When Bank of America branches close

Most Bank of America branches close at 5 or 6 p.m. on weekdays, though some locations stay open until 7 p.m. Saturday hours are usually 9 a.m. to 1 p.m., and most branches are closed on Sundays. The exact closing time depends on your specific branch location, because hours vary by neighborhood, traffic patterns, and staffing.

To find your branch's exact hours, go to bankofamerica.com, click "Locations," enter your address or ZIP code, and select your branch from the results. The hours appear on the branch details page. You can also call your branch directly or use the Bank of America mobile app, which shows hours for branches near you.

If you need to do banking after hours, Bank of America operates ATMs 24/7 at most locations. You can withdraw cash, deposit checks and cash through the mobile app or ATM, transfer money, and check your balance without visiting a teller. ATM deposits are usually available in your account within one business day.

Key Takeaways

  • Weekday closing times are most often 5 or 6 p.m., with some branches open until 7 p.m., and hours vary by location.
  • Saturday hours typically run 9 a.m. to 1 p.m., and most branches do not open on Sunday.
  • You can find your specific branch's hours on bankofamerica.com by searching your location, or call the branch directly.
  • Bank of America ATMs are open 24/7 and handle deposits, withdrawals, transfers, and balance checks without a teller.

How to reach customer service outside branch hours

Bank of America customer service by phone is open Monday through Friday 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. The phone number is 1-800-432-1000 for general customer service. You can reach fraud reporting at 1-800-432-1000 as well, and that line operates 24/7.

The Bank of America mobile app lets you handle many tasks without calling: transfer money between accounts, pay bills, deposit checks by photo, lock or unlock your debit card, and message your branch directly. Messages sent through the app are answered during business hours, usually within a few hours on weekdays.

For urgent issues outside phone hours—a lost card, suspected fraud, or a transaction you need to dispute immediately—use the mobile app to lock your card or report fraud. The fraud line answers 24/7, and locking your card takes seconds and stops new charges right away.

What you can and cannot do at the ATM after hours

Bank of America ATMs handle cash withdrawals, balance checks, PIN changes, and account transfers at any time. You can also deposit checks and cash through most ATMs, and the deposit is recorded immediately in your account, though the funds may not be available until the next business day depending on the deposit type and time of day.

You cannot open a new account, apply for a loan, order a new debit card, or dispute a transaction at an ATM. You also cannot make large cash deposits over a certain amount—the limit varies by ATM and account type, but most machines accept up to $5,000 per transaction. If you need to deposit more, you must visit a branch during business hours or call customer service to arrange a deposit.

If an ATM keeps your card, call 1-800-432-1000 immediately. The fraud line is open 24/7 and can lock your account and arrange a replacement card. Do not leave the ATM area until you have spoken to someone, because they may ask you to check the machine or provide details about what happened.

Holiday hours and closures

Bank of America branches close on federal holidays: 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. On these days, branches do not open, but ATMs remain available 24/7.

Some branches may also close early on the day before a holiday or have reduced hours on certain observances. Check your specific branch's hours on bankofamerica.com or call ahead if you need to visit on or near a holiday, because hours can change year to year.

If you have a time-sensitive transaction on a holiday—paying a bill that is due, depositing a check before a deadline—use the mobile app or ATM. You can also schedule bill payments in advance through the app so they process on the date you choose, even if that date falls on a holiday.

Differences between branch types and locations

Bank of America operates full-service branches, express branches, and financial centers. Full-service branches offer all services: account opening, loans, investment advice, and teller services. Express branches are smaller and may have limited hours or fewer services. Financial centers are located inside other businesses like grocery stores and may have different hours than standalone branches.

Urban branches often stay open later than suburban or rural ones. A downtown branch in a major city might close at 6 or 7 p.m., while a branch in a smaller town might close at 5 p.m. Branches in high-traffic areas like airports or train stations may have extended hours. Always check your specific location, because two branches in the same city can have different schedules.

Planning ahead for time-sensitive transactions

If you need to deposit a check before a certain date, use mobile check deposit through the Bank of America app instead of waiting for a branch visit. Take a photo of the front and back of the check, enter the amount, and submit. The deposit posts to your account immediately, though the funds may take one to two business days to clear depending on the check amount and your account history.

For bill payments, set up automatic payments or schedule a one-time payment through the app or online banking. You can choose the exact date the payment should process, so you do not have to rush to a branch or ATM before closing time. If you schedule a payment for a weekend or holiday, it will process on the next business day.

If you need cash on a weekend or after hours, withdraw it from an ATM before your branch closes. Bank of America ATMs are in most neighborhoods and shopping areas, and you can find the nearest one through the mobile app by entering your location.

Frequently Asked Questions

Are all Bank of America branches open at the same time?

No. Most branches close between 5 and 6 p.m. on weekdays, but some stay open until 7 p.m. Saturday hours are usually 9 a.m. to 1 p.m., though a few branches may have different schedules. Check your specific branch on bankofamerica.com or call to confirm.

Can I deposit a check after the branch closes?

Yes, through the mobile app or ATM. Mobile check deposit is fastest—take photos of both sides and submit through the app. ATM deposits also work, though some ATMs have daily limits. Funds typically appear in your account within one business day.

What do I do if my card gets stuck in an ATM after hours?

Call 1-800-432-1000 immediately. The fraud line is open 24/7 and will lock your account and arrange a replacement card. Stay near the ATM until you have spoken to someone, as they may need details about what happened.

Can I open a new account or apply for a loan outside branch hours?

No. Account opening and loan applications require a teller or banker and can only happen during branch hours. You can start an application through the mobile app or website, but you will need to visit a branch or call to complete it.

Do Bank of America branches open on Sundays?

Most do not. The vast majority of Bank of America branches are closed on Sundays. A very small number of locations in major cities may have Sunday hours, so check your specific branch on bankofamerica.com if you need Sunday service.