Bank of America branches are closed on Black Friday
Bank of America closes all U.S. branches on Black Friday, the day after Thanksgiving. This is a company-wide closure — you will not find an open branch that day, regardless of location. The bank treats Black Friday the same way it treats other major holidays like Christmas, New Year's Day, and Independence Day.
If you need to handle banking on Black Friday, you have options that do not require a physical branch. Bank of America's digital channels — the mobile app, website, and phone banking — remain open 24/7, even on holidays. You can transfer money, pay bills, check balances, and deposit checks remotely without visiting a branch.
Key Takeaways
- All Bank of America branches close on Black Friday; no exceptions by location or branch type.
- Online banking, the mobile app, and phone banking stay open around the clock on Black Friday.
- If you need cash or a service that requires in-person verification, plan ahead by visiting a branch the day before.
- ATMs operate normally on Black Friday, so you can withdraw cash or deposit checks at any Bank of America ATM.
- The bank reopens at its normal weekday hours the following Saturday morning.
What you can do on Black Friday without a branch
The Bank of America mobile app and website let you handle most banking tasks from home. You can send money to other people, pay bills from your account, transfer funds between your own accounts, check your balance, review recent transactions, and set up alerts. These functions work the same way on Black Friday as they do on any other day.
Remote check deposit — the feature that lets you photograph a check and deposit it through the app — also works on Black Friday. The check will process when the bank reopens, but you can submit it anytime. Phone banking, available by calling the number on the back of your debit card, operates 24/7 as well.
ATM access on Black Friday
Bank of America ATMs stay open and functional on Black Friday. You can withdraw cash, deposit cash or checks, transfer money between accounts, and change your PIN at any ATM in the network. ATM transactions process immediately for withdrawals and usually within one business day for deposits, though deposits made on Black Friday will not clear until the bank reopens.
If you use a non-Bank of America ATM, you may face out-of-network fees depending on your account type. Bank of America's Preferred Rewards members and those with certain account tiers have access to a wider network of fee-free ATMs, so check your account details if you are unsure.
Services that require a branch visit
Some banking tasks cannot be done remotely and require a physical branch. These include opening a new account in person, applying for a loan or credit card with in-person verification, replacing a lost debit card at the counter, notarizing documents, or discussing complex financial matters with an advisor. If you need any of these services, visit a branch on Thursday or the following Saturday.
If you have an urgent situation — such as a lost card and no access to cash — call Bank of America's customer service line. They can sometimes issue a temporary card number or arrange emergency cash access, though options are limited on holidays.
Planning ahead for Black Friday banking
If you know you will need cash on Black Friday, withdraw it from an ATM on Thursday or earlier in the week. If you need a new debit card or have questions that require speaking to someone in person, handle that before the holiday. Most people do not need a branch on Black Friday, but those who do should plan accordingly.
Black Friday itself is typically a high-traffic day at branches on Thursday and Saturday, so if you can visit on a different day, you will likely spend less time waiting. Wednesday or Monday are usually quieter times to handle banking needs.
What happens to pending transactions on Black Friday
Transactions you initiate on Black Friday through digital channels will process, but the timing depends on the type. Transfers between your own Bank of America accounts happen immediately. Transfers to other banks and bill payments typically process the next business day, which means they will not clear until Saturday or Monday depending on the receiving bank.
Deposits made on Black Friday — whether through ATM, mobile app, or mail — will not be credited to your account until the bank reopens. Checks deposited on Black Friday will not clear until at least the following business day, and sometimes longer depending on the check's origin.
Frequently Asked Questions
Can I use my Bank of America debit card on Black Friday?
Yes. Your debit card works at any merchant, ATM, or online retailer on Black Friday. The bank closure only affects branch locations, not card processing or ATM access. You can shop, withdraw cash, and make purchases normally.
What if I need to dispute a transaction on Black Friday?
You can report a fraudulent or incorrect transaction through the mobile app or website, or by calling customer service. The dispute process starts immediately, though the bank's investigation will not begin until the branch reopens. Calling is faster if you need to speak to someone right away.
Will my paycheck deposit on Black Friday?
Direct deposits scheduled for Black Friday will process, but the funds may not appear in your account until Saturday or Monday depending on your employer's bank and processing time. Check with your employer about their payroll schedule around the holiday.
Can I open a new account on Black Friday?
You cannot open an account at a branch on Black Friday. You may be able to open certain accounts online through the Bank of America website, though some account types require in-person verification. Check the website to see which accounts can be opened remotely.
What time do branches reopen after Black Friday?
Bank of America branches reopen on Saturday at their normal weekend hours, which vary by location but typically start between 9 a.m. and 10 a.m. Check your specific branch's hours on the Bank of America website or call ahead to confirm.