Normal banking hours are from 9:00 a.m. to 4:30 p.m. (Monday to Friday) and 9:00 a.m. to 12:30 p.m. (Saturday). Automated teller machines (ATMs) are located everywhere, and many allow direct withdrawal from overseas accounts. Travelers' checks may be the safest and easiest way to carry funds to Hong Kong in order to open an account. Personal checks drawn on overseas banks will usually take three to four weeks to clear.