Bank of America branches close early on Christmas Eve and are fully closed on Christmas Day
Most Bank of America branches operate on a shortened schedule on Christmas Eve (December 24) and close entirely on Christmas Day (December 25). The exact closing time on Christmas Eve varies by location — some branches close at noon, others at 3 p.m. — so you need to check your specific branch before you go.
Christmas Day is a federal holiday, and Bank of America treats it as a full closure. No branches open, no tellers work, and no in-person services are available. ATMs and online banking remain active on both days, so you can still withdraw cash, check balances, and move money between accounts without visiting a branch.
If you need to handle something in person, plan to visit on December 23 or wait until December 26. The day after Christmas, branches return to normal hours.
Key Takeaways
- Bank of America branches close early on Christmas Eve, typically between noon and 3 p.m., but the exact time depends on your location.
- All Bank of America branches are closed on Christmas Day with no in-person services available.
- ATMs work on both Christmas Eve and Christmas Day, and you can use online banking and the mobile app to transfer money or pay bills.
- Call your specific branch or check the Bank of America website to confirm Christmas Eve hours before you visit.
- Branches return to regular hours on December 26.
How to find your branch's Christmas Eve hours
Bank of America does not publish a single Christmas Eve closing time for all branches. You have three ways to find out when your location closes.
The fastest method is to visit bankofamerica.com, click "Locations," enter your zip code or address, and select your branch. The hours listed there reflect the holiday schedule. You can also call your branch directly — the phone number appears in the location results — and ask a representative what time they close on December 24.
If you use the Bank of America mobile app, you can search for nearby branches and see their hours there as well. Do this a few days before Christmas Eve so you have time to plan a visit if you need one.
What you can do without visiting a branch
Bank of America's online banking and mobile app remain open 24/7, including Christmas Eve and Christmas Day. You can pay bills, transfer money between your own accounts, deposit checks using mobile check deposit, and review your account balance and transaction history.
ATMs are also available around the clock. You can withdraw cash, deposit cash or checks (at ATMs equipped for deposits), and check your balance. If you need to move money or pay a bill, these options let you handle it without stepping into a branch.
Wire transfers, loan payments, credit card payments, and most routine transactions can all be done through online banking or the app. The only things you cannot do remotely are services that require a teller or manager — such as opening a new account, ordering a cashier's check, or discussing a loan application.
What happens if you need cash or a service on Christmas Day
If you need cash on Christmas Day, use an ATM. Bank of America ATMs are available 24/7, and you can withdraw from any Bank of America ATM without a fee. If you do not have a Bank of America card, you can still use the ATM but may be charged a fee by your own bank.
If you need a service that requires a teller — such as a cashier's check, a wire transfer, or account help — you will have to wait until December 26. Plan ahead if you know you will need something specific. For example, if you need a cashier's check to close on a house purchase, arrange it before December 24.
If you have an urgent banking problem on Christmas Day, call Bank of America's customer service line at 1-800-432-1000. A representative can help with account questions, fraud concerns, or lost card issues, even though branches are closed.
Planning ahead for holiday banking needs
If you know you need to handle something in person before the holiday, visit your branch on December 23 or earlier. This gives you time to complete transactions without the rush of last-minute holiday traffic.
Common things people need to do before Christmas include withdrawing cash for holiday spending, depositing checks, ordering cashier's checks for payments, and discussing loan or credit matters. All of these require a teller or manager, so they cannot wait until after the holiday.
If you are expecting a check or payment to arrive around Christmas, remember that the mail does not run on Christmas Day, and banks do not process deposits on that day either. A check that arrives on December 25 will not be deposited until December 26 at the earliest.
Other Bank of America closures and holiday hours
Bank of America also closes on other federal holidays: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), and Thanksgiving Day (fourth Thursday in November).
On most of these holidays, branches close entirely. Some holidays may have shortened hours instead — check your branch's schedule on the Bank of America website or by phone to be sure.
Frequently Asked Questions
Can I use my Bank of America debit card on Christmas Day?
Yes. Your debit card works at any ATM and at any store 24/7, including Christmas Day. You can withdraw cash from ATMs and make purchases anywhere that accepts your card. Only in-person branch services are unavailable on Christmas Day.
Will my online bill payment go through if I schedule it for Christmas Day?
It depends on who you are paying. If you schedule a bill payment through Bank of America's online banking for Christmas Day, the bank will process it, but the recipient may not receive it until December 26 or later because their bank is also closed. Schedule payments for December 23 if they need to arrive before the holiday.
What if I need to report a lost or stolen card on Christmas Day?
Call Bank of America's customer service line at 1-800-432-1000. Representatives are available 24/7 to report fraud, lost cards, or suspicious activity. They can freeze your card immediately to prevent unauthorized use.
Can I deposit a check at an ATM on Christmas Eve or Christmas Day?
Yes, if your ATM has a deposit slot. Bank of America ATMs that accept deposits work 24/7. The check will be processed and deposited into your account, though it may not be available until December 26 because the bank does not process deposits on Christmas Day itself.
Are Bank of America customer service phone lines open on Christmas Day?
Yes. Call 1-800-432-1000 to reach a representative 24/7, including Christmas Day. They can help with account questions, fraud reports, lost cards, and other urgent issues, even though branches are closed.