When Bank of America branches are closed

Bank of America branches are closed on Sundays and on federal holidays. Most branches open Monday through Friday between 9 a.m. and 5 p.m., and Saturday hours run 9 a.m. to 1 p.m., but individual branch hours vary by location. The fastest way to check whether your specific branch is open right now is to visit the Bank of America locator tool on their website, enter your address or ZIP code, and select the branch — it will show today's hours and whether it is currently open.

If you need to reach Bank of America outside branch hours, you can call their customer service line at 1-800-432-1000 (available 24/7), use their mobile app to check balances and transfer money, or visit an ATM to withdraw cash or deposit checks. Many transactions that require a teller — like opening an account, getting a cashier's check, or discussing a loan — can only happen during branch hours.

Key Takeaways

  • Bank of America branches close on Sundays and all federal holidays, and most locations close by 5 p.m. on weekdays.
  • The Bank of America website locator tool shows real-time hours for your nearest branch and whether it is open now.
  • Customer service by phone is available 24/7 at 1-800-432-1000 for account questions, fraud reports, and payment issues.
  • ATMs and the mobile app work around the clock for withdrawals, deposits, transfers, and balance checks.
  • Transactions requiring a teller — like opening an account or getting a cashier's check — must happen during branch hours.

Federal holidays when all Bank of America branches close

Bank of America closes all branches on New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Some branches may also close on Columbus Day or Veterans Day depending on state or local observance, though this varies by location. If a federal holiday falls on a Saturday, the branch typically closes on Friday instead; if it falls on a Sunday, the closure moves to Monday.

If you need to make a payment or transfer money on a holiday, use your mobile app or online banking to move funds between your own accounts, pay bills, or send money to another person. Payments submitted online or through the app on a holiday will usually process the next business day. If you need to deposit a check, you can use a Bank of America ATM that accepts mobile check deposit, or wait until the branch reopens.

What to do if you need banking services right now

If your branch is closed and you need immediate help, call 1-800-432-1000 to reach a customer service representative. They can help you report fraud, dispute a transaction, answer questions about your account, or process certain requests over the phone. For money transfers between your own accounts or to pay bills, log into your online banking portal or use the Bank of America mobile app — both work 24/7.

If you need to deposit a check and cannot wait for the branch to open, use the mobile app's check deposit feature if your account is set up for it. You photograph the front and back of the check, and the funds typically appear in your account within one to two business days. For cash deposits or other transactions that require a teller, you will need to visit during branch hours.

How to find your nearest Bank of America branch and its hours

Go to bankofamerica.com and click the "Locations" or "Find a Branch" link. Enter your ZIP code, city, or street address. The search results will show all nearby branches with their full hours for each day of the week, phone numbers, and services offered at each location. You can also see whether the branch has a drive-through, accepts walk-in appointments, or offers specialized services like wealth management or small business banking.

If you are traveling or in an unfamiliar area, the locator tool also shows ATM locations, which are often more numerous than branches and available 24/7. Some Bank of America ATMs are inside grocery stores, pharmacies, or other retail locations, so you may have access to cash or check deposits even when the branch itself is closed.

Online and mobile banking when branches are closed

Bank of America online banking and the mobile app are available around the clock. You can check your balance, view recent transactions, transfer money between your own accounts, pay bills, send money to other people through Zelle or Bank of America's transfer service, and deposit checks using your phone's camera. You can also freeze or unfreeze your debit card, report a lost or stolen card, and review fraud alerts without speaking to anyone.

If you set up bill pay through your online account, you can schedule payments to be sent on a future date — even if that date is a weekend or holiday. The payment will process on the next business day. For urgent issues like fraud or a lost card, call the 24/7 customer service line rather than waiting for the branch to open.

ATM access when Bank of America is closed

Bank of America ATMs are open 24/7 and accept deposits, withdrawals, and balance inquiries. You can deposit checks, cash, or both at most ATMs. Check deposits made before midnight typically post to your account the next business day; deposits made after midnight may not post until the day after that. Withdrawals are available immediately, though your account balance may take a moment to update.

If an ATM is out of service or you cannot find one nearby, use the locator tool to find the nearest working machine. Bank of America also participates in ATM networks with other banks, so you may be able to use ATMs from partner banks without a fee, depending on your account type. Check your account terms or call customer service to confirm which ATMs are fee-free for your specific account.

Frequently Asked Questions

Can I deposit a check at a Bank of America ATM on a Sunday?

Yes. Bank of America ATMs are open 24/7, including Sundays. You can deposit checks, cash, or both at any time. A check deposited before midnight on Sunday will usually post to your account by Monday; deposits after midnight may not post until Tuesday.

What do I do if I need cash and the branch is closed?

Use any Bank of America ATM, which are available 24/7. If you do not have your debit card, call 1-800-432-1000 and ask about emergency cash options or visit a Bank of America branch during business hours to withdraw from your account with a photo ID.

Will my bill payment process if I submit it on a holiday?

If you submit a bill payment through online banking or the mobile app on a holiday, it will process on the next business day. If you need the payment to arrive by a specific date, submit it at least one business day before that date to account for processing time.

Can I open a new account if the branch is closed?

No. Opening an account requires speaking with a banker during branch hours. However, you can call 1-800-432-1000 to ask about account options and get information about what you will need to bring when you visit.

Is Bank of America customer service available on weekends?

Yes. The customer service phone line at 1-800-432-1000 is available 24/7, including weekends and holidays. Online banking and the mobile app are also available around the clock.