Bank of America is closed on Presidents Day
Bank of America branches are closed on Presidents Day, which falls on the third Monday in February each year. In 2024, that's February 19. In 2025, it's February 17. The bank observes this federal holiday the same way it observes Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas, and New Year's Day — all branches shut down and no in-person services run.
If you need to handle banking on or around Presidents Day, you have options that don't require a branch visit. ATMs work 24/7, even when branches are closed, so you can withdraw cash, deposit checks using mobile deposit, and check your balance. Online banking and the Bank of America mobile app stay open around the clock. Bill payments, transfers between accounts, and peer-to-peer payments through Zelle all process normally.
The one thing you cannot do on Presidents Day is speak to a person at a branch, use a teller, open a new account in person, or handle anything that requires a banker's signature or verification. If you need those services, plan ahead and visit on Friday before the holiday or Tuesday after.
Key Takeaways
- All Bank of America branches close on Presidents Day; the exact date changes each year because it falls on the third Monday in February.
- ATMs, online banking, and the mobile app work normally on Presidents Day, so you can withdraw cash, deposit checks remotely, and transfer money without visiting a branch.
- Bill payments and Zelle transfers process on the holiday, though they may post to the receiving account the next business day.
- If you need to speak to a banker, open an account, or handle anything requiring in-person verification, visit on the Friday before or Tuesday after the holiday.
What you can do on Presidents Day without a branch
ATM withdrawals and deposits work the same on Presidents Day as any other day. You can pull cash from any Bank of America ATM or from ATMs in the Allpoint network (which includes thousands of machines outside Bank of America locations). Deposits made through an ATM that accepts envelopes are processed the next business day.
Mobile check deposit — taking a photo of the front and back of a check through the Bank of America app — works on Presidents Day. The check clears on the next business day, the same as if you deposited it on a Friday. You can also use the app to transfer money between your own accounts, send money to another person via Zelle, or pay bills. These transactions process immediately or on the next business day depending on the receiving bank.
Online banking at bankofamerica.com lets you view account balances, review transaction history, set up automatic payments, and manage alerts. None of these actions require a branch to be open. If you need to dispute a transaction or report fraud, you can start that process through the app or website, though you may need to follow up with a phone representative on the next business day.
What requires a branch visit and cannot wait
Opening a new checking or savings account requires a banker to verify your identity and set up the account in person or over the phone with a representative. You cannot do this through the app or website alone. If you need a new account before Presidents Day, visit on Friday. If it can wait, go on Tuesday.
Cashier's checks, money orders, and certified checks require a teller. These are not available through ATMs or online. If you need one for a closing, a large payment, or a wire transfer, plan to get it before the holiday.
Safe deposit box access requires a banker to open the vault. If you need to retrieve or store documents or valuables, do it before Presidents Day. Mortgage applications, loan applications, and credit decisions that require a banker's review cannot move forward on the holiday.
Planning around Presidents Day closures
If you have a bill due on Presidents Day itself, pay it online or through the app at least one business day before. Most billers process payments that arrive on a holiday as if they arrived on that day, but some treat them as arriving the next business day. Check your bill's due date and the biller's payment terms to be safe.
If you receive a direct deposit that normally hits on Presidents Day, it will arrive on the next business day instead. Payroll processors know federal holidays and adjust automatically, but the money may not show in your account until Tuesday morning.
If you have a check to deposit, use mobile deposit through the app on Presidents Day itself. The check will clear on the next business day. Do not wait until Tuesday to deposit it, because that delays the clearing process by another day.
Calling Bank of America on Presidents Day
Bank of America's phone lines are open on Presidents Day, though wait times are often longer than usual because fewer representatives are working. You can call 1-800-432-1000 to reach customer service. Have your account number and a form of ID ready.
You can report fraud, dispute a transaction, ask about a pending payment, or get account information over the phone. You cannot open a new account or complete anything that requires a banker to access your file in person, but you can start the process and schedule a follow-up for the next business day.
Frequently Asked Questions
Can I use a Bank of America ATM on Presidents Day?
Yes. ATMs work 24/7, including on Presidents Day. You can withdraw cash, check your balance, and deposit checks using an envelope-accepting ATM. Deposits process the next business day.
Will my direct deposit hit on Presidents Day?
No. Direct deposits scheduled for Presidents Day arrive the next business day instead. Payroll processors adjust automatically for federal holidays, so you do not need to contact your employer.
Can I pay a bill due on Presidents Day through online banking?
Yes. Pay through the Bank of America app or website at least one business day before the due date to be safe. Most billers treat payments received on a federal holiday as on-time, but some may count them as late.
What if I need to report fraud on Presidents Day?
Call 1-800-432-1000 to reach a representative. Phone lines are open, though wait times may be longer. You can report the fraud and start a dispute over the phone; a banker will follow up the next business day with details.
Can I open a new account on Presidents Day?
No. New accounts require a banker to verify your identity and set up the account. Visit a branch on Friday before the holiday or Tuesday after to open an account in person.