Bank of America branches close on Juneteenth
Bank of America observes Juneteenth (June 19) as a federal holiday, so all branches are closed on that day. If Juneteenth falls on a weekend, the bank observes the holiday on the nearest weekday — usually the Friday before if it lands on Saturday, or the Monday after if it lands on Sunday.
This means you cannot visit a physical branch, use the drive-through, or speak to a banker in person on Juneteenth. However, you can still access your account through other channels.
Key Takeaways
- All Bank of America branches close on Juneteenth; if the holiday falls on a weekend, the bank closes on the nearest weekday instead.
- You can still use ATMs, online banking, the mobile app, and phone banking on Juneteenth without interruption.
- Transactions you initiate online or through ATMs on Juneteenth will process normally, though some may not settle until the next business day.
- If you need cash or in-person service, plan ahead by withdrawing money or handling banking tasks the day before.
What you can do on Juneteenth without a branch
Bank of America ATMs operate 24/7, including on Juneteenth. You can withdraw cash, deposit checks (at ATMs with deposit capability), transfer money between accounts, and check your balance at any time.
Online banking and the Bank of America mobile app work normally on the holiday. You can pay bills, transfer funds between your own accounts, send money to other people, deposit checks by photo, and view your account history. These actions are available whether or not a branch is open.
Phone banking through Bank of America's automated system is also available on Juneteenth. You can check balances, make transfers, and handle routine account questions by calling the number on the back of your card.
When transactions settle if you bank on Juneteenth
Transactions you make on Juneteenth through ATMs, online banking, or the app will be recorded in your account immediately or within a few hours. However, settlement — when the money actually leaves or arrives at another bank — may not happen until the next business day because the Federal Reserve does not process interbank transfers on federal holidays.
This matters most for bill payments, transfers to other banks, and checks you deposit. If you pay a bill on Juneteenth, the payment will show as pending in your account that day, but the payee's bank may not receive the funds until Friday (or Monday if Juneteenth is on a Friday). For time-sensitive payments, send them the day before the holiday.
Deposits you make at an ATM on Juneteenth will be credited to your account the same day, but the check will not clear until the next business day or later, depending on the check's origin bank.
Planning ahead for holiday banking
If you know you will need cash, a cashier's check, or in-person service around Juneteenth, handle it on the business day before. Withdraw extra cash from an ATM, get a cashier's check if you need one for a payment, or ask questions of a banker while the branch is open.
If you have a time-sensitive payment due on or shortly after Juneteenth, send it at least one business day early. A bill payment sent on Juneteenth may not reach the creditor until the day after the holiday, which could be late depending on the due date and the creditor's processing timeline.
For deposits, use ATM deposit if available, or wait until the next business day to deposit at a branch. The timing difference is usually small, but if you are depositing a large check or need the funds urgently, depositing the day before gives you an extra day for the check to clear.
Reaching Bank of America customer service on Juneteenth
Bank of America's phone banking line operates on Juneteenth, though you will reach an automated system rather than a live representative. You can check balances, make transfers, and handle account questions through the automated menu.
If you need to speak to a live banker, you will have to wait until the next business day. Some issues — like reporting a lost card, disputing a transaction, or asking about a specific account problem — may require a live representative, so plan accordingly if the issue is not urgent.
Bank of America also offers chat support through its website and mobile app. Check whether chat support is staffed on Juneteenth; if not, your message will be queued for a representative to answer the next business day.
What happens if Juneteenth falls on a weekend
When Juneteenth lands on a Saturday, Bank of America typically observes the holiday on Friday. When it lands on a Sunday, the bank observes it on Monday. Check the Bank of America website or call ahead to confirm the observed date for your branch, as some branches may have different schedules.
Even though the branch is closed on the observed date, ATMs, online banking, and the mobile app continue to work normally. The only difference is that any transactions requiring a live banker or in-person service will have to wait until the next business day.
Frequently Asked Questions
Can I use my Bank of America debit card on Juneteenth?
Yes. Your debit card works at any merchant, ATM, or online retailer on Juneteenth. The transaction will process normally, though it may take until the next business day to settle if the merchant's bank is also closed for the holiday.
Will my direct deposit arrive on Juneteenth?
Direct deposits scheduled for Juneteenth may arrive a day late because the Federal Reserve does not process transfers on federal holidays. If your payday falls on Juneteenth, your employer's bank will likely send the deposit on the next business day instead. Check with your employer's payroll department if you are unsure.
What if I need to report a lost or stolen card on Juneteenth?
Call the number on the back of your card to reach Bank of America's automated fraud line, which operates 24/7. You can report a lost or stolen card and request a replacement through the automated system. A live representative can help if the automated system cannot resolve your issue, but you may have to wait until the next business day.
Can I still pay my credit card bill on Juneteenth?
Yes. You can pay through online banking, the mobile app, or an ATM on Juneteenth. The payment will show as pending that day, but it may not settle at the credit card company until the next business day. If your payment is due on Juneteenth, send it the day before to avoid a late fee.