Bank of America branches close on Veterans Day
Bank of America closes all U.S. branches on Veterans Day, which falls on November 11 each year. If November 11 is a Saturday or Sunday, the bank observes the holiday on the nearest weekday — usually the Friday before or the Monday after. This means you cannot visit a physical branch to deposit checks, withdraw cash, or speak with a banker in person on that day.
The bank's customer service phone lines and online banking remain available on Veterans Day, so you can still check your balance, transfer money between accounts, or pay bills from home. ATMs work normally and do not close for the holiday. Wire transfers and other digital transactions process as usual, though they may take longer if they require manual review.
Key Takeaways
- Bank of America branches close on November 11 (Veterans Day) or the nearest weekday if the holiday falls on a weekend.
- Online banking, mobile app, ATMs, and customer service phone lines remain open and functional on Veterans Day.
- If you need cash or a teller service, plan ahead by visiting your branch the day before the holiday.
- Wire transfers and checks deposited on Veterans Day may not process until the next business day.
What you can still do on Veterans Day
Online banking works normally on Veterans Day. You can log into your account through the Bank of America website or mobile app, check balances, transfer money between your own accounts, and pay bills to merchants or other people. These transactions process immediately or on the schedule you set, depending on the type of transfer.
ATMs are available 24/7 and do not close for holidays. You can withdraw cash, deposit checks or cash into an ATM-enabled envelope, and check your balance at any Bank of America ATM or at ATMs in the Allpoint network. Mobile check deposit through the Bank of America app also works on Veterans Day — you photograph the front and back of a check and submit it through the app, and the funds typically appear in your account within one business day.
Customer service by phone is open on Veterans Day. Call 1-800-432-1000 for general customer service questions. Wait times may be longer than usual because fewer staff are working, but the line is staffed and can help with account questions, fraud reports, or lost card replacement.
When deposits and checks clear on Veterans Day
Checks deposited on Veterans Day do not clear until the next business day. If you deposit a check through an ATM, mobile app, or at a branch the day before Veterans Day, it typically clears by the next business day (which would be November 12). If you deposit on Veterans Day itself through mobile check deposit, the bank does not process it until November 12, and it may not clear until November 13 depending on the check's origin bank.
Direct deposits scheduled for Veterans Day may arrive on time or one day late, depending on your employer's payroll system and the bank's processing schedule. Most employers submit payroll the day before payday, so if your payday is November 11, the deposit usually arrives on schedule. If your payday falls on a weekend and your employer pays on the nearest business day, that day might be November 12 instead.
Wire transfers initiated on Veterans Day are queued but do not leave your account until the next business day. Incoming wire transfers from other banks may also be delayed if the sending bank is closed on Veterans Day.
Planning ahead for Veterans Day closures
If you need cash, visit your branch on November 10 or the last business day before the holiday. Withdraw enough cash to cover the holiday and the weekend if Veterans Day falls on a Friday. ATMs will have cash available, but if you need a large withdrawal or a cashier's check, you must go in person before the branch closes.
If you need a cashier's check, certified check, or other teller service, request it before Veterans Day. Cashier's checks can take one business day to issue, so plan at least one day ahead. Some Bank of America branches offer Saturday hours, so check your local branch's schedule — a few locations are open on Saturday mornings and can help you before the holiday.
If you have a scheduled appointment with a banker or loan officer, confirm whether it will be rescheduled to November 12 or another date. The bank typically notifies customers of holiday closures in advance, but calling ahead removes doubt.
Bank of America's full holiday closure schedule
| Holiday | Date (2024) | Branch Status |
|---|---|---|
| New Year's Day | January 1 | Closed |
| Martin Luther King Jr. Day | Third Monday in January | Closed |
| Presidents' Day | Third Monday in February | Closed |
| Memorial Day | Last Monday in May | Closed |
| Juneteenth | June 19 | Closed |
| Independence Day | July 4 | Closed |
| Labor Day | First Monday in September | Closed |
| Veterans Day | November 11 | Closed |
| Thanksgiving | Fourth Thursday in November | Closed |
| Christmas | December 25 | Closed |
Bank of America observes all federal holidays. If a holiday falls on a Saturday, the bank closes on Friday. If it falls on a Sunday, the bank closes on Monday. Some branches may have different hours on the day before or after a holiday, so check your local branch's schedule on the Bank of America website or call ahead.
What to do if you have an urgent banking need on Veterans Day
If you have a fraud issue or suspect unauthorized charges on your account, call 1-800-432-1000 to report it immediately. The fraud department operates on holidays and can freeze your card or account to prevent further charges. Have your card and account number ready.
If you need to dispute a transaction or report a lost or stolen card, the phone line is open on Veterans Day. Card replacement can be expedited — you can request a rush card to arrive in one to two business days, or use a temporary digital card in your mobile app while you wait for the physical card.
If you need to pay a bill or transfer money urgently, use online banking or the mobile app. Most bill payments and transfers process immediately or on the schedule you set. If the payment is due on Veterans Day and you have not yet sent it, submit it through online banking before midnight to ensure it processes on time.
Frequently Asked Questions
Can I use my debit card on Veterans Day if the branch is closed?
Yes. Your debit card works at any merchant, ATM, or online retailer on Veterans Day. The branch closure does not affect card transactions. You can swipe, insert, or tap your card at stores, restaurants, and gas stations as usual.
Will my paycheck deposit on time if Veterans Day is my payday?
Most likely yes. Direct deposits are processed by your employer's payroll system and typically arrive on schedule even if the bank is closed. However, if your employer submits payroll late or if your payday is a weekend that shifts to Veterans Day, the deposit may arrive one day late. Contact your employer's payroll department if you are unsure when your deposit will arrive.
What if I need to deposit a check on Veterans Day?
Use mobile check deposit through the Bank of America app — photograph both sides of the check and submit it. The check will not process until November 12, but it will be in the queue. If you need the funds immediately, visit an ATM the day before and deposit the check there instead.
Are Bank of America ATMs open on Veterans Day?
Yes. All Bank of America ATMs and ATMs in the Allpoint network are open 24/7, including Veterans Day. You can withdraw cash, deposit checks or cash, and check your balance at any time.
Can I call customer service on Veterans Day?
Yes. Call 1-800-432-1000 for customer service on Veterans Day. Wait times may be longer than usual because fewer staff are working, but the line is open and staffed to help with account questions, fraud reports, and other issues.