Bank of America branches close on Memorial Day
Bank of America closes all U.S. branches on Memorial Day, which falls on the last Monday of May. In 2024, that's May 27. In 2025, it's May 26. The bank treats Memorial Day as a federal holiday, so you won't be able to walk into a branch, speak to a teller, or use the safe deposit box on that day.
ATMs and online banking stay open around the clock, so you can still withdraw cash, check balances, transfer money between your own accounts, and pay bills from your computer or phone. Mobile deposits also work on the holiday. The closure affects only in-person branch services.
If you need to deposit a check or handle something that requires a teller, plan to do it the day before or the day after. Checks deposited through the ATM or mobile app on Memorial Day will process the next business day, which is Tuesday.
Key Takeaways
- Bank of America branches are closed on Memorial Day, but ATMs and online banking work 24/7.
- You can deposit checks through the ATM or mobile app on the holiday; they'll process the next business day.
- If you need a teller, plan your visit for the day before or after Memorial Day.
- Wire transfers and bill payments through online banking proceed normally on the holiday.
- Call ahead to confirm your specific branch's hours if you're unsure, since some locations may have different schedules.
What you can and cannot do on Memorial Day
Online banking, bill pay, and transfers between your own accounts work without interruption. You can log into your account from any device, move money, set up payments, and check your balance. Mobile check deposit also functions normally—photograph the front and back of the check through the app, and it enters the processing queue.
ATM withdrawals, deposits, and balance inquiries work the same way they do any other day. If you need cash or want to deposit an envelope of checks into the ATM, you can do that on Memorial Day. The ATM does not close for holidays.
What stops working: speaking to a teller in person, accessing a safe deposit box, applying for a new account or credit card in the branch, getting a cashier's check, or resolving account problems that require a person. If you have a question only a representative can answer, you'll need to wait until Tuesday.
When checks and transfers actually post
A check deposited through the ATM or mobile app on Memorial Day enters the system as a Monday deposit, but it won't actually post to your account until Tuesday morning. The bank does not process deposits on federal holidays, even though you can submit them electronically.
Wire transfers initiated through online banking on Memorial Day may also delay. Outgoing wires typically process the next business day, so a wire sent on Monday the 27th will leave your account on Tuesday the 28th. Incoming wires from other banks may arrive on Tuesday or later, depending on the sending bank's schedule.
ACH transfers (the standard way most bills and payroll deposits move) scheduled for Memorial Day will process on Tuesday instead. If you set up a bill payment to go out on May 27, the bank will send it May 28. Check with the company receiving the payment to see if a one-day delay affects your due date.
How to reach Bank of America on the holiday
The main customer service phone line (1-800-432-1000) is closed on Memorial Day. You cannot reach a representative by phone on the holiday itself. However, you can still use the automated phone system to check balances and make transfers if you know your account number and PIN.
Online chat and email support may have limited availability or delayed responses on Memorial Day. Your best option for urgent questions is to call on Tuesday morning or use the mobile app to troubleshoot on your own. The app can handle most common tasks without a representative.
If you have a true emergency—such as fraud on your account or a card that's been compromised—call the fraud line on the back of your card. That line operates 24/7, even on holidays, because fraud is treated as an urgent matter.
Planning ahead to avoid Memorial Day problems
If you need cash, withdraw it on Friday or Saturday before the holiday. If you need a cashier's check or a safe deposit box, handle it before Memorial Day. If you're expecting a wire transfer or a large deposit, assume it won't arrive until Tuesday and plan accordingly.
For bill payments, submit them by Friday if the due date is close to Memorial Day. A payment sent on Monday may not post until Tuesday, and if your bill is due on Tuesday, a one-day delay could trigger a late fee. Most billers give you a grace period, but it's safer not to test it.
If you're traveling over the long weekend and need to access your account, use the mobile app or online banking. Both work everywhere as long as you have internet. You won't need to find a branch.
Other Bank of America holiday closures
Bank of America closes branches on all federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. ATMs and online banking remain open on all of these days.
Some branches may also close on Good Friday or other religious holidays depending on local custom, though this is less common. If you're unsure about a specific date, call your branch ahead of time or check the Bank of America website for your location's holiday schedule.
Frequently Asked Questions
Can I use my Bank of America debit card on Memorial Day?
Yes. Your debit card works at any ATM and any merchant on Memorial Day. The holiday closure affects only the physical branch, not the card itself or the ATM network.
Will my direct deposit arrive on Memorial Day?
No. Payroll deposits scheduled for Memorial Day will post on Tuesday instead. Ask your employer's payroll department when they submit the deposit; if they submit it on Monday, it won't reach your account until Tuesday morning.
What if I need to dispute a charge on Memorial Day?
Call the fraud line on the back of your card—it operates 24/7. For non-fraud disputes, you can report the issue through online banking or the mobile app, and a representative will contact you on Tuesday.
Can I open a new account on Memorial Day?
No. New accounts and credit card applications require a representative and can only be opened when the branch is staffed. You can start the process online, but final approval and activation happen during business hours.
Do Bank of America's partner ATMs close on Memorial Day?
No. ATMs in the Allpoint network and other partner networks stay open. You can withdraw cash from any ATM on the holiday, though your Bank of America ATM may charge a fee if it's not in the Bank of America or Allpoint network.