Bank of America branches close early on Christmas Eve and are fully closed on Christmas Day
Most Bank of America branches operate on a reduced schedule on Christmas Eve—typically closing at 2 p.m. instead of the usual 5 or 6 p.m.—and are completely closed on Christmas Day itself. The exact closing time on Christmas Eve varies by location, so calling your branch directly is the fastest way to confirm. Christmas Day is a federal holiday, and all Bank of America locations nationwide are closed.
If you need to handle banking on or around Christmas, plan ahead. ATMs and the Bank of America mobile app work 24/7, so you can withdraw cash, check balances, and transfer money between your own accounts without visiting a branch. Online bill pay also runs continuously, though payments scheduled for Christmas Day will process on the next business day (December 26).
Key Takeaways
- Bank of America branches close early on Christmas Eve (usually around 2 p.m.) and are fully closed on Christmas Day.
- ATMs and the mobile app remain available around the clock, even when branches are closed.
- Payments scheduled through online bill pay on Christmas Day will process on December 26 instead.
- Calling your specific branch before Christmas Eve is the only way to confirm its exact closing time, since hours vary by location.
- Wire transfers and other time-sensitive transactions should be completed before Christmas Eve to avoid delays.
What you can do without visiting a branch
Bank of America ATMs operate 24/7, including Christmas Eve and Christmas Day. You can withdraw cash, deposit checks (at ATMs equipped with mobile deposit or check deposit slots), and transfer money between your own accounts. The mobile app lets you check your balance, view transactions, pay bills online, and transfer funds to other Bank of America customers instantly.
If you need to send money to someone outside Bank of America, use Zelle (which processes transfers in minutes through the app) or schedule a wire transfer before the holiday. Wires initiated on Christmas Eve after the branch closes will not process until December 26. The same applies to ACH transfers to other banks—they will not move until the next business day.
When wire transfers and ACH payments process
Wire transfers initiated before your branch's Christmas Eve cutoff time (usually 2 p.m. or earlier) may process the same day, depending on the receiving bank. Any wire started after the branch closes on Christmas Eve will not leave Bank of America until December 26. The receiving bank may then take an additional day to credit the funds.
ACH transfers (payments to other banks or bill pay to most companies) scheduled for Christmas Day will sit in queue and process on December 26 at the earliest. If you need money to reach someone by Christmas, initiate the transfer by mid-morning on Christmas Eve at the latest, and confirm with the recipient that their bank processes same-day transfers.
How to find your branch's exact Christmas Eve hours
Call your local Bank of America branch directly—the number is on your debit card, in the app, or on bankofamerica.com. Ask specifically about Christmas Eve closing time, since some branches in certain markets may have different hours. Do not rely on Google Maps or third-party sites, as holiday hours are often listed incorrectly.
You can also visit bankofamerica.com, enter your zip code, and click on your branch to see posted hours. If the site does not show Christmas Eve hours, the branch's phone number will be listed—calling takes two minutes and removes all doubt.
What happens if you need a teller on Christmas Eve afternoon
If your branch closes at 2 p.m. on Christmas Eve and you arrive after that time, you cannot access a teller. Your options are to use the ATM outside the branch (which works 24/7) or wait until December 26 when the branch reopens. Most branches reopen at their normal time on December 26, though some may open an hour later.
For transactions that require a teller—such as cashing a check, opening a new account, or getting a cashier's check—plan to visit before 2 p.m. on Christmas Eve or after the branch reopens on December 26. If you need a cashier's check urgently, some Bank of America locations can issue one through the mobile app or online, though this varies by account type.
Holiday schedule for the rest of the year
Bank of America follows the federal holiday calendar. In addition to Christmas Day, branches are closed on 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 these holidays, branches are fully closed and ATMs are the only option. On the day before a holiday (like Christmas Eve), most branches close early, though the exact time varies. Check your branch's hours on the Bank of America website or call ahead if you are unsure.
Frequently Asked Questions
Can I deposit a check on Christmas Day using the ATM?
Yes, if your ATM has a check deposit slot or mobile deposit capability. Mobile deposit (through the app) works 24/7. The check will be processed and credited to your account on December 26 or later, depending on when the bank processes deposits.
Will my bill payment go through if I schedule it for Christmas Day?
No. Bill payments scheduled for Christmas Day will not process until December 26. Schedule payments for December 23 or earlier if the bill is due by Christmas. If the due date is December 25, contact the company directly to ask for a grace period or pay by phone before the holiday.
What if I need cash on Christmas Day and the ATM is out of money?
ATM outages are rare, but if one occurs, you will need to wait until December 26 when the branch reopens. To avoid this, withdraw cash on Christmas Eve before the branch closes. If you are traveling, locate a Bank of America ATM in advance and withdraw what you need early.
Do Bank of America customer service lines stay open on Christmas?
No. Bank of America phone support is closed on Christmas Day. If you have an urgent issue (such as a fraudulent transaction), call the number on the back of your debit card—it may route to a holiday support line. For non-urgent issues, contact the bank on December 26.
Can I open a new account on Christmas Eve?
Not after your branch closes. New accounts require a teller and cannot be opened through the ATM or app. Visit your branch before it closes on Christmas Eve, or wait until December 26 when normal hours resume.