Bank of America branches close on Labor Day, but online banking and ATMs stay available
Bank of America closes all physical branches on Labor Day (the first Monday in September in the United States). If you need to visit a branch, deposit a check in person, or speak to a teller, you cannot do that on Labor Day itself. However, your online account, mobile app, and ATM access remain active 24/7, so you can check balances, transfer money, pay bills, and withdraw cash without interruption.
The bank also closes on other federal holidays: New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas. If Labor Day falls on a weekend, the bank observes the holiday on the nearest weekday — usually the following Tuesday if Labor Day is on a Sunday, or the previous Friday if it is on a Saturday.
Key Takeaways
- Bank of America branches are closed on Labor Day, but ATMs and online banking work normally.
- You can still transfer money, pay bills, check balances, and deposit checks through the mobile app on Labor Day.
- If you need to speak to a representative, customer service phone lines are also closed on Labor Day.
- Plan ahead if you need cash or in-person services — visit a branch or ATM before the holiday.
What you can and cannot do on Labor Day
On Labor Day, you cannot walk into a Bank of America branch and speak to a teller, deposit a check at the counter, or access a safe deposit box. You also cannot reach customer service by phone — the bank's phone lines are closed. If you have a question about your account or need help with a transaction, you will have to wait until the branch reopens the next day.
What remains open: ATMs work around the clock, so you can withdraw cash, check your balance, and deposit checks using the mobile app's check deposit feature (if your account supports it). Online banking through the website or mobile app lets you transfer money between accounts, pay bills, set up payments, and view transaction history. If you use Zelle or another peer-to-peer payment service linked to your Bank of America account, those transfers go through normally.
Mobile check deposit is particularly useful on holidays. Take a photo of the front and back of your check through the Bank of America app, and the deposit posts to your account within one business day — though the funds may not be available until the next business day after that.
Planning ahead for Labor Day banking needs
If you know you will need cash, a deposit, or in-person service on or around Labor Day, visit your branch the business day before. Withdraw enough cash to cover the holiday weekend. If you need to deposit a check, use mobile check deposit through the app or visit an ATM that accepts deposits (not all do).
For bill payments due on Labor Day, set them up a few days in advance through online banking. Most bill payments take one to three business days to process, so if a payment is due on Labor Day, initiate it by the Friday before to ensure it arrives on time. If you are paying a credit card, loan, or utility bill, check the due date carefully — some companies count the holiday as a business day, while others extend the deadline to the next business day.
If you have a time-sensitive issue — a fraudulent charge, a locked account, or a problem with a payment — and it happens on Labor Day, you will need to wait until Tuesday to reach customer service by phone. However, you can still report fraud through the mobile app or online banking, and the bank will investigate once staff returns.
ATM access and cash withdrawal on Labor Day
Every Bank of America ATM is open on Labor Day. You can withdraw cash, deposit cash or checks (if the ATM accepts deposits), transfer money between accounts, and check your balance. There are no daily withdrawal limits imposed specifically for holidays, but your account may have a standard daily ATM withdrawal limit — usually $500 to $1,000 depending on your account type and history.
If you need more cash than your daily limit allows, withdraw what you can on the Friday or Sunday before Labor Day. If you use ATMs outside the Bank of America network, you may be charged a fee by both Bank of America and the other bank — typically $2 to $3 per transaction.
Online and mobile banking on Labor Day
The Bank of America website and mobile app function normally on Labor Day. You can log in, view your account balance, review recent transactions, transfer money between your own accounts, and send money to other people through Zelle or external transfers. Bill payments initiated through online banking on Labor Day will be scheduled for processing the next business day.
If you encounter a technical issue with the app or website on Labor Day, you cannot reach technical support by phone until Tuesday. However, you can try the app's chat feature if it is available, or send a message through secure messaging in online banking — a representative will respond when the bank reopens.
What to do if you have an urgent banking problem on Labor Day
If your card is lost or stolen, or if you notice fraudulent charges on Labor Day, report it through the mobile app or online banking immediately. Bank of America monitors accounts for fraud around the clock, and reporting it in writing creates a record that protects you. Card replacement can be expedited once you contact the bank on Tuesday.
If your account is locked or you cannot log in, try resetting your password through the login page. If that does not work, you will need to call customer service on Tuesday. If the problem is urgent and involves a payment that cannot wait, consider using a different payment method (another bank account, credit card, or peer-to-peer payment app) to cover the immediate need, then resolve the Bank of America issue when the bank reopens.
Frequently Asked Questions
Can I deposit a check on Labor Day?
Yes, through mobile check deposit in the Bank of America app. Take photos of the front and back of the check and submit them through the app. The deposit posts within one business day, though funds may not be available until the next business day. Physical ATM check deposits also work if your ATM supports them.
Will my bill payment go through if it is due on Labor Day?
It depends on the payee. Set up payments a few days in advance through online banking. Most payments take one to three business days to process. If the due date is Labor Day, the payee may accept it as on-time if it posts by end of business that day, or they may extend the deadline to the next business day. Check your payee's policy.
Can I reach customer service on Labor Day?
No. Phone lines are closed on Labor Day. You can use secure messaging through online banking or the app to send a message, and a representative will respond when the bank reopens on Tuesday. For urgent fraud or card issues, report them through the app immediately.
Are Bank of America ATMs open on Labor Day?
Yes. All ATMs are open 24/7, including on Labor Day. You can withdraw cash, deposit checks or cash, transfer money, and check your balance without any interruption.
What if I need cash and do not have time to visit before Labor Day?
Withdraw cash from any Bank of America ATM on Labor Day itself. If you need more than your daily ATM limit allows, withdraw the maximum on Friday or Sunday before the holiday. You can also use ATMs from other banks, though you will pay a fee.