Most Bank of America branches close at 2 p.m. on Christmas Eve

Bank of America branches do not keep regular hours on Christmas Eve (December 24). Most locations close at 2 p.m., but some close earlier — as early as noon — and a small number close all day. The exact time depends on your branch location and state. There is no single company-wide closing time, so calling ahead is the only way to know for certain.

If you need to visit a branch on Christmas Eve, plan to arrive before noon. This gives you a buffer in case your branch closes earlier than 2 p.m. or if you encounter a line. For anything that can wait, handle it before December 24 or after December 26, when branches return to normal hours.

Key Takeaways

  • Most Bank of America branches close at 2 p.m. on Christmas Eve, though some close as early as noon or remain closed all day depending on location.
  • Call your specific branch directly to confirm Christmas Eve hours before you travel, because closing times vary significantly by state and individual location.
  • ATMs and the Bank of America mobile app work 24/7 on Christmas Eve, allowing you to withdraw cash, deposit checks, transfer money, and pay bills without visiting a branch.
  • If you need to speak to a person on Christmas Eve, call customer service at 1-800-432-1000 before 2 p.m. your local time; after that, you reach an automated system.
  • Bank of America branches are completely closed on Christmas Day (December 25) and New Year's Day (January 1), but ATMs and mobile banking remain available around the clock.

How to find your specific branch's Christmas Eve hours

The most reliable method is to call your branch directly. Find the phone number on your debit card, the Bank of America website, or by searching "Bank of America near me" in Google Maps. When you call, ask specifically about Christmas Eve hours — staff can tell you the exact closing time for that location.

You can also check the Bank of America website or mobile app using the branch locator tool. Search for your location, and some branches list holiday hours in their details. However, not all branches post this information online, and what appears may not be current. A phone call takes two minutes and removes doubt.

If you cannot reach your branch by phone, visit the Bank of America website and look for a holiday hours notice. The company sometimes posts a general statement about Christmas Eve closures, though it will not give you your branch's specific time.

What you can do on Christmas Eve without visiting a branch

Bank of America ATMs operate 24/7, including on Christmas Eve. You can withdraw cash, check your account balance, and transfer money between your own accounts at any ATM. The ATM network includes Bank of America machines and partner ATMs nationwide.

Mobile check deposit through the Bank of America app lets you deposit checks without stepping into a branch. Take a photo of the front and back of the check, submit it through the app, and the deposit typically posts within one to two business days. This works on Christmas Eve, Christmas Day, and any other day the app is available.

Use the mobile app or online banking to pay bills, transfer money to other people, and schedule payments for future dates. If a bill is due on December 25 or 26, schedule the payment to arrive on time before Christmas Eve. You can also set up automatic payments so you never have to think about holiday closures again.

Customer service phone lines on Christmas Eve

Bank of America customer service is available at 1-800-432-1000 during regular business hours on Christmas Eve. Most branches close at 2 p.m., so call before then if you need to speak to a person. After 2 p.m., you will reach an automated system that can handle some requests but cannot connect you to a live representative.

For issues that require a person — such as disputing a charge, reporting a lost card, or asking about a specific account problem — call before your branch's closing time. If you miss the window, you can call back on December 26 when full customer service resumes. For lost or stolen cards, the automated system can process a replacement order 24/7.

When Bank of America is completely closed

Bank of America branches close all day on Christmas Day (December 25) and New Year's Day (January 1). These are federal holidays, and the company does not operate branch locations on these dates. ATMs and mobile banking remain available 24/7 on both days.

If you have checks to deposit or need to speak to a teller, do this before December 24 or wait until December 26. Plan ahead for any year-end transactions — do not wait until December 24 afternoon to handle something that requires a branch visit.

Planning ahead to avoid holiday branch closures

Set up automatic bill payments now if you have recurring bills due around the holidays. This removes the need to visit a branch or log into online banking during shortened hours. Automatic payments work on schedule regardless of branch closures.

For one-time bills or payments, use the mobile app to schedule them for the correct date well in advance. If a payment is due December 26, schedule it on December 23 or earlier. This gives the payment time to process and arrive on time, even if branches are closed.

Deposit checks using the mobile app instead of waiting for a branch visit. Mobile check deposit works anytime, takes two minutes, and removes the pressure to visit during holiday hours. Keep receipts of your mobile deposits in case you need proof of deposit.

Frequently Asked Questions

Can I use a Bank of America ATM on Christmas Eve afternoon?

Yes. ATMs work 24/7, including Christmas Eve afternoon and evening. You can withdraw cash, check your balance, and transfer money between your own accounts anytime, even when all branches are closed.

What if I need cash on Christmas Day?

Use a Bank of America ATM or any ATM in the network. ATMs work around the clock on Christmas Day. If you need a large amount of cash, withdraw it on December 24 before branches close, or use an ATM on Christmas Day itself.

Can I deposit a check on Christmas Eve if my branch is closed?

Yes, use mobile check deposit through the Bank of America app. Take photos of the front and back, submit through the app, and the deposit posts within one to two business days. This works on Christmas Eve, Christmas Day, and any day the app is available.

Are all Bank of America branches closed at the same time on Christmas Eve?

No. Closing times vary by location and state. Some branches close at 2 p.m., others close at noon or earlier, and a few may close all day. Call your specific branch to confirm the exact time.

What happens if I need to report fraud on Christmas Eve afternoon?

Call 1-800-432-1000 before your branch closes. If you miss that window, the automated system can process a lost or stolen card report 24/7. For fraud disputes, call back on December 26 when a representative can help you file a claim.