Saturday is not a business day at Bank of America
Bank of America does not process transactions on Saturday. The bank's standard business days are Monday through Friday. If you submit a deposit, transfer, or payment on Saturday, it will not be processed until Monday morning.
This matters because timing affects when money actually moves. A check you deposit on Saturday sits in the system until Monday. A bill payment you schedule for Saturday may not leave your account until Monday or later. Wire transfers submitted on Saturday will not go out until the next business day.
Some Bank of America services run on Saturday — you can use the ATM, make mobile deposits through the app, and access online banking. But these actions do not move money immediately. They queue up for processing when the bank reopens Monday morning.
Key Takeaways
- Bank of America's business days are Monday through Friday; Saturday transactions are not processed until Monday.
- ATM withdrawals and deposits work on Saturday, but deposited checks do not clear until Monday at the earliest.
- Scheduled payments and transfers set for Saturday will process on Monday, so plan accordingly if you have a deadline.
- Mobile check deposits submitted on Saturday enter the queue but do not post to your account until Monday morning.
- Wire transfers cannot be sent on Saturday; the bank will process them Monday morning at the earliest.
What happens when you deposit a check on Saturday
If you use a Bank of America ATM to deposit a check on Saturday, the deposit is captured and held. The check image is transmitted to the bank's processing center, but the funds do not post to your account until Monday. The bank's system logs the deposit with a Saturday timestamp, but the actual credit to your balance waits for Monday morning processing.
Mobile check deposits work the same way. You photograph the check through the Bank of America app on Saturday, and the app confirms receipt. The check enters the processing queue, but your account balance does not update until Monday. The bank typically posts mobile deposits by 9 a.m. Monday, though some deposits may take until Tuesday depending on the check amount and your account history.
If you need the money by Saturday, a Saturday deposit will not help. Plan deposits for Friday if you need same-day or next-business-day access to the funds.
Scheduled payments and transfers on Saturday
When you schedule a bill payment or transfer for Saturday through online banking or the mobile app, the bank queues it for Monday processing. The payment does not leave your account on Saturday. If you have a bill due on Saturday and you schedule the payment for Saturday, it will likely arrive late because the bank does not process it until Monday.
To pay a bill due on Saturday, schedule the payment for Friday or earlier. Most billers allow a few days of processing time, so a Friday payment usually arrives by the due date. If you are unsure, contact the biller and ask how many days they need to receive payment.
Transfers between your own Bank of America accounts also wait until Monday if scheduled for Saturday. External transfers to other banks take even longer — typically one to three business days after Monday processing begins.
Wire transfers and Saturday
Bank of America does not send wire transfers on Saturday. If you request a wire on Saturday through online banking or at a branch, the bank will process it Monday morning. Wire transfers are time-sensitive, so a Saturday request that should have gone out Friday can cause real problems — especially if you are paying a deadline or sending money internationally.
If you need a wire to go out on Friday, submit it by 2 p.m. Friday Eastern Time. After 2 p.m., the bank may not process it until Monday. International wires have earlier cutoff times, often around 11 a.m. or noon, so call ahead if you are sending money overseas on a Friday.
ATM access and cash on Saturday
Bank of America ATMs work 24/7, including Saturday. You can withdraw cash, check your balance, and deposit cash or checks at any time. However, cash deposits do not post to your account until the bank processes them — usually by 9 a.m. the next business day, which would be Monday if you deposit on Saturday.
Check deposits made at an ATM on Saturday follow the same timeline as mobile deposits: the check is captured and processed Monday, with funds posted by Monday morning or Tuesday depending on the check amount.
When Saturday falls on a holiday
If Saturday is a federal holiday (which is rare, since federal holidays usually fall on weekdays), Bank of America branches are closed. ATMs still work. Any transactions queued for processing wait until the next business day, which would be Monday if Saturday is a holiday and Sunday is not.
The bank observes federal holidays including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. If any of these fall on a Saturday, the bank does not open that day, but ATMs remain available.
Planning around Saturday and business days
If you need money to move by a specific date, do not rely on Saturday processing. Submit deposits, payments, and transfers on Friday or earlier. Build in extra time for checks to clear — the bank's standard is two to three business days, which means a check deposited Friday may not clear until Wednesday or Thursday.
For bills due on a specific date, schedule payment for at least two business days before the due date. For wire transfers, submit by mid-Friday at the latest. For checks you are mailing, mail them even earlier — the postal service adds days on top of the bank's processing time.
If you are unsure whether a transaction will process in time, contact Bank of America customer service or call your branch. They can tell you the exact processing timeline for your specific transaction.
Frequently Asked Questions
Can I make a mobile deposit on Saturday and have it available Saturday?
No. Mobile deposits submitted on Saturday are processed Monday morning. The funds typically post to your account by 9 a.m. Monday, but the bank does not process them on Saturday itself. If you need money on Saturday, deposit it on Friday.
What time does Bank of America process Saturday deposits on Monday?
The bank begins processing deposits Monday morning, typically by 9 a.m. Eastern Time. Exact timing varies, but most deposits post within the first few hours of Monday business. Deposits submitted late Saturday or early Sunday morning may process slightly later on Monday.
If I schedule a payment for Saturday, will it be late?
It depends on your biller's processing time. The payment leaves your Bank of America account Monday, so it arrives at the biller Monday or later. If your bill is due Saturday, a Saturday-scheduled payment will almost certainly be late. Schedule payments for Friday or earlier.
Can I wire money on Saturday?
No. Bank of America does not send wires on Saturday. If you submit a wire request on Saturday, the bank processes it Monday morning. For Friday wires, submit by 2 p.m. Eastern Time. For international wires, submit earlier — cutoff times are usually 11 a.m. or noon.
Are Bank of America branches open on Saturday?
Many Bank of America branches are open Saturday morning, but hours vary by location. Some branches close Saturday entirely. Check your branch's hours online or call ahead. Even if a branch is open Saturday, transactions like wire transfers and large deposits may not process until Monday.