Bank of America branches close on Veterans Day
Bank of America closes all of its branches on Veterans Day, which falls on November 11 each year. If November 11 lands on a weekend, the bank observes the holiday on the nearest weekday — usually the Friday before if it falls on a Saturday, or the Monday after if it falls on a Sunday.
This means you cannot visit a physical branch, use the drive-through, or speak to a banker in person on that day. However, you can still access your account through the Bank of America mobile app, website, or ATM.
If you need to handle banking business on Veterans Day, plan ahead. Deposits made through the ATM or mobile app will process, but transfers between banks and bill payments may not clear until the next business day.
Key Takeaways
- Bank of America branches are closed on Veterans Day (November 11), with no in-person banking available that day.
- If November 11 falls on a weekend, the bank observes the holiday on the nearest weekday instead.
- You can still use ATMs, the mobile app, and the website to check balances, transfer money between your own accounts, and deposit checks remotely.
- Transfers to other banks and bill payments initiated on Veterans Day will not process until the next business day.
- Customer service phone lines are also closed on Veterans Day, so call ahead if you need to speak with someone.
What you can and cannot do on Veterans Day
On Veterans Day, you lose access to tellers and loan officers, but most self-service options remain open. ATMs work normally — you can withdraw cash, check your balance, and deposit checks using the mobile app's remote deposit feature or an ATM that accepts deposits.
You can log into your account online or through the mobile app to view transactions, transfer money between your own Bank of America accounts, and pay bills to merchants. However, payments sent to other banks (ACH transfers) and bill payments to external accounts will not leave your account until the next business day, even if you schedule them on Veterans Day.
Customer service phone lines are closed, so if you need to report fraud, dispute a transaction, or ask a question that requires a person, you will have to wait until the next day the bank is open.
Planning ahead for Veterans Day banking
If you know you will need cash on Veterans Day, withdraw it the day before. If you have checks to deposit, use the mobile app's remote deposit feature — take a photo of the front and back, and the bank will process it when it reopens.
If you need to send money to someone else's bank account, initiate the transfer on the business day before Veterans Day. The same applies to bill payments to utilities, credit card companies, or other vendors outside Bank of America. Scheduling them in advance ensures they leave your account on time and do not miss a due date.
If you have a loan payment due on Veterans Day, check your loan agreement or call the bank before the holiday to confirm whether the due date shifts to the next business day or whether you should pay early to avoid a late fee.
When Bank of America reopens after Veterans Day
The bank reopens the next business day after Veterans Day closes. If Veterans Day falls on a Tuesday through Friday, the bank reopens the following day. If it falls on a Monday, the bank reopens on Tuesday. If it falls on a Saturday or Sunday, the bank observes it on the nearest weekday and reopens the day after that.
Any transactions you scheduled for processing on Veterans Day — such as bill payments or transfers to other banks — will process when the bank reopens, usually within one business day. Check your account online or through the app to confirm the transactions went through.
How to handle time-sensitive payments around Veterans Day
If a bill payment or loan payment is due on or near Veterans Day, do not wait until that day to submit it. Most creditors and lenders count a payment as on-time only if it reaches them by the due date, and a bank holiday does not extend the deadline.
Pay at least one business day before Veterans Day to ensure the payment clears on time. If you are unsure whether your payment will process in time, call the creditor or lender directly — they can tell you whether they have received your payment and whether it counts as on-time.
For recurring payments like mortgage, car loan, or utility bills, check whether you can set them to process on a different day of the month to avoid Veterans Day altogether. Many lenders allow you to change your payment date through their website or by calling customer service.
Frequently Asked Questions
Can I use my Bank of America debit card on Veterans Day?
Yes. Your debit card works at merchants, ATMs, and online retailers on Veterans Day. The bank's closure only affects branch services and customer service phone lines, not card transactions or ATM access.
Will my direct deposit process on Veterans Day?
Direct deposits scheduled for Veterans Day may be delayed by one day. Contact your employer's payroll department to confirm the deposit date. If your employer sends payroll on Veterans Day, it typically posts to your account the next business day.
What if I need to report fraud on Veterans Day?
Call Bank of America's fraud line or use the mobile app to report unauthorized transactions. The app allows you to lock or unlock your card immediately. A representative will follow up the next business day when customer service reopens.
Can I still pay my Bank of America credit card bill on Veterans Day?
Yes, through the website or mobile app. However, if your payment due date is Veterans Day, confirm with the bank whether the due date automatically moves to the next business day or whether you should pay early to avoid a late fee.
Are Bank of America ATMs open on Veterans Day?
Yes. ATMs operate 24/7, including on Veterans Day. You can withdraw cash, check your balance, and deposit checks (if the ATM accepts deposits) at any time.