Top Banks With 24/7 Customer Support

Customer service hours vary among banks, with many only offering the ability to speak with a representative during business hours. If you prefer wider access to customer service, you might want a bank that allows you to communicate with a live person anytime.

These 12 popular banks, presented alphabetically, offer live 24/7 customer support over the phone or through live online chat.

Axos Bank

Axos Bank is an online-only bank that offers savings checking and savings accounts. It provides over-the-phone customer service 24 hours a day, seven days a week, except for Thanksgiving Day and Christmas Day.

Alliant Credit Union

Alliant Credit Union, an online-only credit union, offers its members around-the-clock support by phone. Membership to Alliant is open to everyone. If you don’t qualify based on living and working in communities near its headquarters in Chicago, Illinois, you can join by making a $5 donation to the Alliant Credit Union Foundation, which the credit union will actually make on your behalf when you apply.

Ally Bank

Customers of Ally Bank, an online-only bank, can reach a representative 24/7 over the phone or through live chat on the bank’s website or mobile app. Clicking on “Contact Us” on its website will show you the phone number to call and the approximate hold time.

American Express National Bank

American Express National Bank, a brand perhaps best known for its credit cards, also offers a high-yield savings account and a rewards checking account. Its banking customers can reach a representative by phone 24 hours a day, seven days a week.

Chime

Chime is a financial services company, not a chartered bank, but it does offer a checking account and a savings account (though federal insurance for your money works differently at a fintech like Chime). Live support is available by phone or through the chat feature in the mobile app 24 hours a day, seven days a week.

Discover Bank

Discover Bank, also a name associated with credit cards, offers a handful of consumer bank accounts, including checking, savings and CDs. Customers of the online bank can reach support over the phone any time, day or night.

KeyBank

KeyBank is a regional bank headquartered in Cleveland, Ohio. It operates nearly 1,000 branches spanning 16 states. It’s not super common for brick-and-mortar banks to offer 24/7 customer service, but you can reach KeyBank over the phone around the clock. 

Marcus by Goldman Sachs

Marcus by Goldman Sachs is an online-only bank that offers a savings account and certificates of deposit (CDs). Marcus’ customer service can be reached by phone on a 24/7 basis.

Navy Federal Credit Union

Navy Federal Credit Union, which maintains more than 300 branches worldwide, offers checking, savings, money market accounts and CDs. Customer support is available anytime via phone (and through online chat from 8 a.m. to 8 p.m. ET). Membership in Navy Federal is open to U.S. military members, veterans and their families as well as Department of Defense employees. 

Synchrony Bank

In addition to credit cards, Synchrony Bank offers a savings account, a money market account and CDs. Customers can reach Synchrony at any time through its online chat service. Customer service by phone is available from 8 a.m. to 10 p.m. ET on weekdays and 8 a.m. to 5 p.m. ET on Saturdays and Sundays. 

TD Bank

TD Bank, one of the nation’s largest banks, provides 24/7 phone support. Plus, about half of its 1,100 branches along the East Coast are open on Sundays.

U.S. Bank

U.S. Bank is the fifth-largest bank in the country by assets, with a large branch network and a large ATM network. U.S. Bank representatives can be reached anytime over the phone regarding the bank’s checking, savings and loan accounts.

Bottom line

Many banks offer help through self-service tools on their websites and mobile apps. However, if you prefer access to a live customer service representative, you may want to find a bank that provides 24/7 support via phone or online chat.

In addition to customer service hours, consider other factors when searching for the right bank for you, including interest rates, account fees, minimum balance requirements and branch access.