Bank of America is closed on Columbus Day

Bank of America observes Columbus Day as a federal holiday and closes all branches on that day. If you need to visit a branch, you will need to go on a different day. Online banking, ATMs, and mobile apps remain available 24/7, so you can handle most transactions without visiting a physical location.

Columbus Day falls on the second Monday in October each year. In 2024, that is October 14. In 2025, it is October 13. The closure applies to all Bank of America locations nationwide, including drive-through windows.

Key Takeaways

  • All Bank of America branches close on Columbus Day, but ATMs and online banking stay open around the clock.
  • Columbus Day is the second Monday in October, so the exact date changes each year.
  • If you need to deposit a check or withdraw cash, you can use an ATM or mobile deposit on the holiday itself.
  • Transactions you submit online or through the app on Columbus Day will process on the next business day.
  • Call Bank of America's customer service line before the holiday if you have questions about a specific transaction.

What you can do on Columbus Day without a branch

Bank of America's ATM network operates 24/7, including on Columbus Day. You can withdraw cash, deposit checks (if your ATM has a check deposit slot), transfer money between accounts, and check your balance at any ATM in the network.

Mobile deposit through the Bank of America app lets you photograph the front and back of a check and submit it without visiting a branch. The deposit posts to your account, though the funds may not be available until the next business day. This works on Columbus Day just as it does any other day.

Online banking through your computer or phone lets you pay bills, transfer money, set up alerts, and review transactions. Any action you take on Columbus Day will process on the next business day if it requires human review or involves another bank.

When deposits and payments actually post

Timing matters if you are trying to meet a deadline. A check you deposit via ATM or mobile app on Columbus Day will not be available for withdrawal until at least the next business day, and sometimes longer depending on the check amount and your account history. Bank of America typically holds mobile deposits for one business day.

Bill payments you schedule online on Columbus Day will not leave your account until the next business day at the earliest. If you are paying a bill that is due on Columbus Day itself, you should have submitted the payment before the holiday. If you miss the deadline, contact the biller directly to explain the delay and ask about late fees.

Wire transfers initiated on Columbus Day will not send until the next business day, since the Federal Reserve does not process wires on federal holidays. If you need money to move urgently, plan ahead and send it before the holiday.

Branches that may have different hours

A small number of Bank of America branches in certain locations may have different holiday schedules. Some branches in areas with large populations that observe different holidays may stay open. The safest approach is to check the hours for your specific branch on the Bank of America website or by calling ahead.

Use the branch locator tool on bankofamerica.com, enter your zip code, and click on the branch you plan to visit. The page will show holiday hours if they differ from the regular schedule. You can also call the branch directly at the number listed.

Planning ahead for Columbus Day transactions

If you know you will need cash or need to deposit a check on or around Columbus Day, handle it before the holiday. Withdraw extra cash on Friday if the holiday falls on Monday. Deposit checks a day or two early so they clear before you need the funds.

If you have a time-sensitive payment due on or shortly after Columbus Day, submit it online at least one business day before the deadline. Do not wait until the holiday itself. For bills due on Columbus Day, contact the biller in advance and ask whether they accept payments submitted the day before.

Set calendar reminders for the Columbus Day date each year so you do not forget the closure. Bank of America's website lists all federal holiday closures, so you can plan for Memorial Day, Independence Day, Thanksgiving, Christmas, and New Year's Day the same way.

What to do if you have an urgent issue on Columbus Day

Bank of America's customer service line operates on Columbus Day. Call 1-800-432-1000 to reach a representative who can answer questions about your account, help with fraud concerns, or discuss urgent issues. Wait times may be longer than usual because fewer staff are available.

If you have a fraud concern or suspect unauthorized activity, report it immediately through the app, online banking, or by calling customer service. Bank of America monitors accounts for fraud 24/7 even on holidays. The sooner you report it, the sooner they can freeze the card or account and begin an investigation.

For non-urgent questions, wait until the branch reopens the next business day. You will reach someone faster and may have more options for resolving the issue in person if needed.

Frequently Asked Questions

Can I use my debit card at other banks' ATMs on Columbus Day?

Yes. Your Bank of America debit card works at ATMs in the Allpoint, MoneyPass, and other networks on Columbus Day. You may pay a fee if you use an out-of-network ATM, but the transaction will go through. Check your account settings to see which ATM networks your card can access without a fee.

What if I need to dispute a transaction on Columbus Day?

Report the dispute through online banking or the mobile app by selecting the transaction and choosing "Report as Unauthorized" or "Dispute This Transaction." You can also call customer service at 1-800-432-1000. The dispute process starts immediately, though the investigation may not begin until the next business day.

Do Bank of America's customer service phone lines stay open on Columbus Day?

Yes. Call 1-800-432-1000 anytime on Columbus Day to reach a representative. Wait times are typically longer than on regular business days because fewer staff are working. Have your account number and ID ready before you call.

Will my paycheck deposit on time if my employer uses direct deposit on Columbus Day?

Direct deposits submitted by your employer on Columbus Day will not post to your account until the next business day. If your paycheck is scheduled to arrive on Columbus Day, it will arrive on Tuesday instead. Contact your employer's payroll department if you need to confirm the timing.

Can I open a new account on Columbus Day?

No. You cannot open a new account at a closed branch on Columbus Day. You can start the process online through the Bank of America website, though final verification and activation may not complete until the next business day when a representative can review your information.