Bank of America branch hours and when they close

Most Bank of America branches are open Monday through Friday from 9 a.m. to 5 p.m., with Saturday hours typically from 9 a.m. to 1 p.m. Sunday hours vary by location — some branches open at 11 a.m. and close at 3 p.m., while others stay closed. Individual branches can set their own hours within Bank of America's guidelines, so the exact closing time at your location may differ.

You can find your specific branch's hours by visiting the Bank of America website, entering your zip code or address, and selecting the branch. The hours listed there reflect that particular location's schedule. If you call the branch directly, staff can confirm whether they're open on a given day and what time they close.

Drive-through windows often close earlier than the lobby — typically 30 minutes to an hour before the branch itself closes. If you need to use the drive-through, arrive with time to spare before the posted closing time.

Key Takeaways

  • Most Bank of America branches close at 5 p.m. on weekdays and 1 p.m. on Saturday, but hours vary by location.
  • Drive-through windows close before the lobby does, usually 30 minutes to an hour earlier.
  • Bank of America closes all branches on federal holidays including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • You can check your branch's exact hours on the Bank of America website or by calling the branch directly.
  • ATMs and online banking remain available 24/7 even when branches are closed.

Federal holidays when Bank of America closes

Bank of America closes all branches on the following federal holidays: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).

When a federal holiday falls on a Saturday or Sunday, the bank typically observes the holiday on the nearest weekday. If you need to conduct business on or around a holiday, plan ahead by visiting a branch or using online banking before the closure.

What you can do when branches are closed

Bank of America ATMs work 24 hours a day, seven days a week, regardless of branch hours or holidays. You can withdraw cash, deposit checks (at ATMs equipped with mobile check deposit or envelope deposit), transfer money between accounts, and check your balance at any time.

Online banking through the Bank of America website or mobile app is also available around the clock. You can pay bills, transfer funds between accounts, deposit checks by photograph, view statements, and manage your accounts without visiting a branch. Wire transfers, ACH transfers, and bill payments initiated online may process immediately or on the next business day depending on the type of transaction and the time you submit it.

If you need to speak with someone outside branch hours, Bank of America offers phone support. The number is typically on the back of your debit card or on your statements. Wait times may be longer during evenings and weekends.

Planning ahead for time-sensitive transactions

If you need to deposit a check or handle a transaction that requires a teller, check your branch's hours before you go. Deposits made at ATMs or through mobile deposit process overnight, so a check deposited Friday evening will typically be available Monday morning (or Tuesday if Monday is a holiday).

For wire transfers or other urgent payments, use online banking if the deadline allows. Wires initiated before the bank's cutoff time (usually 2 p.m. or 3 p.m. on business days) may process the same day. After hours or on weekends, the wire will process on the next business day.

If you're traveling or in an unfamiliar area, use the Bank of America locator tool to find branches and their hours. Many grocery stores and pharmacies also host Bank of America ATMs, which operate independently of branch hours.

What happens if you need cash on a holiday

Use any Bank of America ATM to withdraw cash on a holiday. If you don't have a Bank of America card, you may be able to use an ATM from another bank in the Allpoint network or MoneyPass network, though you may be charged a fee by both your bank and the ATM operator.

If you need a large cash withdrawal and the ATM daily limit is too low, plan ahead by withdrawing cash before the holiday. Most Bank of America ATMs have daily withdrawal limits ranging from $500 to $1,000, though limits vary by account type and can be adjusted through online banking or by calling the bank.

Frequently Asked Questions

Can I deposit a check at Bank of America on a Sunday?

Yes, if your branch is open on Sunday. Some branches have Sunday hours from 11 a.m. to 3 p.m., but not all do. You can also deposit checks 24/7 using a Bank of America ATM or the mobile app's check deposit feature, which processes overnight.

What time does the drive-through close?

Drive-through windows typically close 30 minutes to an hour before the branch lobby closes. If the branch closes at 5 p.m., the drive-through usually closes between 4 p.m. and 4:30 p.m. Check your specific branch's hours to confirm.

Is Bank of America open on Christmas Eve?

Most branches are open on Christmas Eve with regular hours unless it falls on a weekend. Christmas Day itself is a federal holiday and all branches are closed. Check your branch's hours online or call ahead to confirm.

Can I pay my bill if the branch is closed?

Yes. You can pay bills through online banking, the mobile app, or by phone 24/7. Payments initiated before the bank's cutoff time on a business day typically process the same day; otherwise they process on the next business day.