Bank of America branches are closed on Presidents Day

Bank of America closes all U.S. branches on Presidents Day, which falls on the third Monday in February. In 2024, that is February 19. In 2025, it is February 17. The bank treats Presidents Day as a federal holiday, so physical locations do not open for in-person service.

Online banking, mobile app access, and ATM withdrawals continue to work on Presidents Day — you can check your balance, transfer money between accounts, and pull cash from any Bank of America ATM without interruption. Phone banking is also available, though wait times may be longer than usual because fewer staff are working.

If you need to deposit a check or handle something that requires a teller, you will need to wait until the next business day. Checks deposited through the mobile app or ATM on Presidents Day will process according to the bank's standard deposit timeline, which typically means the funds appear in your account by the next business day or the day after, depending on when you deposit.

Key Takeaways

  • Bank of America branches close on Presidents Day (the third Monday in February), and no in-person services are available that day.
  • ATMs, online banking, and the mobile app work normally on Presidents Day, so you can withdraw cash and check balances without visiting a branch.
  • Checks deposited through the mobile app or ATM on Presidents Day will process on the bank's standard timeline, usually by the next business day or the day after.
  • Phone banking is open on Presidents Day but may have longer wait times because fewer staff members are available.

What you can and cannot do on Presidents Day

You can withdraw cash from any Bank of America ATM, check your account balance online or through the mobile app, transfer money between your own accounts, pay bills through online banking, and deposit checks using the mobile app's photo capture feature. You can also call Bank of America's phone banking line, though you may wait longer than on a regular business day.

You cannot visit a branch to speak with a teller, deposit cash in person, open a new account at a branch, get a cashier's check, or handle disputes that require a teller's help. If you need any of these services, plan to visit on Tuesday or later in the week.

Planning ahead for Presidents Day banking needs

If you know you will need cash on Presidents Day, withdraw it the day before. ATMs dispense money 24 hours a day, so you can pull cash on Presidents Day itself, but if the ATM is out of service or you need a large amount, having cash in hand beforehand is safer.

If you need to deposit a check, use the mobile app's mobile deposit feature on Presidents Day itself. Take a photo of the front and back of the check, and the bank will process it according to its standard deposit timeline. Checks deposited on a holiday typically post by the next business day or the day after, depending on when you submit them and the bank's processing schedule.

If you have a time-sensitive payment or transfer, complete it before Presidents Day. Bank of America processes online bill payments and transfers on the schedule you set, but if you schedule something for Presidents Day itself, it may not process until the next business day.

Other federal holidays when Bank of America closes

Bank of America closes on all federal holidays recognized by the U.S. government. These include New Year's Day, Martin Luther King Jr. Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. The bank also closes on Good Friday, which is not a federal holiday but is observed by most banks.

On each of these days, branches are closed and in-person services are not available. ATMs, online banking, and mobile app access continue to work. If you are unsure whether a specific day is a Bank of America holiday, check the bank's website or call the phone banking line.

How to find your nearest Bank of America branch and its hours

Use the Bank of America branch locator on the bank's website. Enter your zip code or address, and the tool will show you nearby branches, their addresses, phone numbers, and regular business hours. The locator also indicates which branches have extended hours or Saturday service.

Call your branch directly at the number listed in the locator. Staff can tell you whether the branch has any special hours or closures coming up beyond the standard federal holidays. Some branches may have different hours than others, so it is worth checking your specific location rather than assuming all branches operate the same way.

What to do if you have an urgent banking need on Presidents Day

If you need to report fraud or a lost card on Presidents Day, call Bank of America's fraud line immediately. The number is on the back of your debit or credit card. Fraud reporting is available 24 hours a day, 7 days a week, and does not close for holidays.

If you need to dispute a transaction, you can report it through online banking or the mobile app on Presidents Day. Document the transaction and the reason for the dispute, and submit it through your account. Bank of America will begin investigating once staff return to work on the next business day.

If you have locked yourself out of your account or forgotten your password, use the "Forgot Password" or "Unlock Account" option on the Bank of America login page. You can reset your access through email or security questions without calling a branch. If you cannot reset it yourself, call phone banking and a representative will help you, though wait times may be longer on a holiday.

Frequently Asked Questions

Can I use my Bank of America debit card on Presidents Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Presidents Day. The bank holiday only affects branch locations and in-person services, not card transactions or ATM access.

Will my direct deposit process on Presidents Day?

Direct deposits scheduled for Presidents Day may post a day late, depending on your employer's payroll schedule and the bank's processing timeline. If your employer normally deposits on Monday and Presidents Day falls on Monday, the deposit may arrive on Tuesday instead. Check with your employer about their holiday schedule.

Can I open a new Bank of America account on Presidents Day?

You cannot open an account in person at a branch on Presidents Day. You can open an account online through the Bank of America website or mobile app, and the process works the same way it does on any other day. Account opening through the app or website does not require a branch visit.

What if I need to speak to someone about my account on Presidents Day?

Call Bank of America's phone banking line. Representatives are available on Presidents Day, though wait times are typically longer than on regular business days. Have your account number and identification ready when you call.

Do Bank of America ATMs charge fees on Presidents Day?

No. ATM fees do not change on holidays. If you use an out-of-network ATM, you will pay the same out-of-network fee you would on any other day. Bank of America ATMs do not charge fees for Bank of America customers.