It’s 11 PM on a Sunday. You just noticed a suspicious charge on your checking account. Or maybe you’re traveling internationally and your debit card was declined. Or you simply can’t log into your mobile banking app and need help right now — not Monday morning.

This is when 24/7 customer service stops being a nice-to-have feature and becomes essential.

Most traditional banks confine customer service to standard business hours: 8 AM to 6 PM on weekdays, maybe limited weekend coverage. But financial emergencies don’t follow a 9-to-5 schedule. If you value peace of mind and immediate access to help when you need it, a bank with round-the-clock support should be on your shortlist.

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

Alliant Credit Union

Alliant Credit Union is an online-only credit union offering 24/7 phone support to members. Membership is open to nearly anyone — if you don’t qualify based on location or employment, you can join by making a $5 donation to the Alliant Credit Union Foundation (which Alliant makes on your behalf when you apply).

Alliant offers checking accounts, high-yield savings accounts, and certificates of deposit with competitive rates and minimal fees. The credit union’s High-Rate Checking account earns interest and provides access to 80,000+ fee-free ATMs nationwide, with up to $20 monthly in ATM fee reimbursements.

Read our full review of Alliant Credit Union.

Ally Bank

Customers of Ally Bank can reach a representative 24/7 via phone or live chat on the bank’s website or mobile app. The “Contact Us” page displays the current phone number and approximate hold time, so you know what to expect before calling.

Ally is one of the best online banks for checking and savings, offering no monthly fees, no overdraft charges, and access to 75,000+ fee-free ATMs. The bank’s Spending Account earns interest and includes early direct deposit up to two days before your traditional payday.

Read our full review of Ally Bank.

American Express National Bank

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

The American Express High Yield Savings Account consistently offers competitive APYs with no monthly fees or minimum balance requirements. It’s FDIC-insured and backed by American Express’s established customer service infrastructure.

Read our full review of American Express Bank.

Axos Bank

Axos Bank is an online-only bank providing 24/7 phone customer service every day except Thanksgiving and Christmas. The bank offers checking, savings, and money market accounts with competitive features.

Axos Bank’s Essential Checking stands out for unlimited domestic ATM fee reimbursements — use any ATM in the U.S. without worrying about surcharges. The account also has no monthly fees, no overdraft charges, and no minimum opening deposit.

Read our full review of Axos Bank.

Chime

Chime is a financial technology company (not a chartered bank) offering a checking account and savings account with 24/7 customer support via phone or in-app chat. Note that FDIC insurance works differently at fintech companies like Chime — funds are held at partner banks.

Chime offers fee-free banking with no monthly maintenance charges, no overdraft fees, and early direct deposit (up to two days early). The mobile app includes automatic savings features and spending notifications.

Read our review of Chime Checking and Savings.

Discover Bank

Discover Bank, another brand associated with credit cards, offers checking, savings, and CD accounts with 24/7 phone support available any time, day or night.

Discover’s Cashback Debit checking account earns 1% cash back on up to $3,000 in debit card purchases monthly (up to $360 annually). The account has no monthly fees, no minimum balance requirements, and offers access to 60,000+ fee-free ATMs. You can also deposit cash for free at any Walmart location.

Read our full review of Discover Bank.

KeyBank

KeyBank is a regional bank headquartered in Cleveland, Ohio, operating nearly 1,000 branches across 16 states. Unlike most brick-and-mortar banks, KeyBank offers 24/7 phone customer service — a rare combination of physical branches and round-the-clock support.

KeyBank provides full-service banking including checking, savings, CDs, credit cards, mortgages, and business banking. If you live in KeyBank’s footprint (primarily the Northeast, Midwest, and Pacific Northwest), you get both in-person branch access and always-available phone support.

Review our full review of KeyBank.

Marcus by Goldman Sachs

Marcus by Goldman Sachs is an online-only bank offering a high-yield savings account and certificates of deposit with 24/7 phone customer service.

Marcus consistently offers some of the most competitive savings rates with no fees and no minimum deposit to open. The bank is backed by Goldman Sachs’ financial strength and expertise. While Marcus doesn’t offer checking accounts, it’s an excellent choice for maximizing interest on savings.

Read our full review of Marcus by Goldman Sachs.

Navy Federal Credit Union

Navy Federal Credit Union maintains more than 300 branches worldwide and offers 24/7 phone customer support (with online chat available 8 AM to 8 PM ET). The credit union provides checking, savings, money market accounts, CDs, and extensive lending products.

Membership is limited to U.S. military members, veterans, their families, and Department of Defense employees. If you qualify, Navy Federal offers competitive rates, low fees, and comprehensive financial services with always-available phone support.

Read our full review of Navy Federal Credit Union.

Synchrony Bank

In addition to credit cards, Synchrony Bank offers savings accounts, money market accounts, and CDs. Customers can reach Synchrony 24/7 through online chat, while phone support is available from 8 AM to 10 PM ET on weekdays and 8 AM to 5 PM ET on weekends.

Synchrony consistently offers competitive savings rates with no monthly fees and no minimum balance requirements. The bank frequently runs promotional bonus offers for new customers.

Read our full review of Synchrony Bank.

TD Bank

TD Bank, one of the nation’s largest banks, provides 24/7 phone support alongside its extensive branch network. About half of TD Bank’s 1,100 East Coast branches are open on Sundays—another convenience advantage.

TD Bank offers full-service banking including checking, savings, CDs, credit cards, mortgages, and business accounts. The combination of physical branches (many with Sunday hours), robust ATM network, and 24/7 phone support makes TD Bank particularly convenient for East Coast customers.

Read our full review of TD Bank.

U.S. Bank

U.S. Bank is the fifth-largest bank in the country by assets, with extensive branch and ATM networks. U.S. Bank representatives are available 24/7 by phone for checking, savings, and loan account support.

U.S. Bank provides comprehensive banking services across 26 states, with particular strength in the Midwest and West. The bank offers competitive checking and savings products, robust mobile banking, and the security of a large national institution with always-available phone support.

Read our full review of U.S. Bank.

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.