Bank of America branch closures follow a regular schedule, not random shutdowns

Bank of America branches close on weekends and federal holidays, and most locations have shorter hours on weekdays than they did ten years ago. If a branch near you is closed today, it is almost certainly because today is Saturday, Sunday, or a federal holiday—not because of an emergency or a problem specific to that location. The bank publishes its holiday schedule in advance, and you can check your specific branch's hours on the Bank of America website or by calling the branch directly.

Some branches have also closed permanently as the bank has consolidated locations. If you have visited a particular branch before and cannot find it today, search the Bank of America branch locator to see whether it still operates, and find the nearest open location.

Key Takeaways

  • Bank of America branches are closed on Saturdays, Sundays, and federal holidays including Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Most branches open at 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., though hours vary by location and some branches have reduced hours.
  • You can check your specific branch's hours and holiday schedule on the Bank of America website or by calling the branch.
  • If a branch you have used before is no longer listed, it has closed permanently; use the branch locator to find the nearest open location.
  • You can handle most banking tasks online, by phone, or at an ATM without visiting a branch, even when branches are closed.

Federal holidays when Bank of America branches close

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), Independence Day (July 4), Labor Day (first Monday in September), 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 the day before, or use online banking, mobile banking, or ATMs, which operate 24/7.

Regular weekly hours and why they vary by location

Most Bank of America branches open at 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., depending on the location. Saturday hours, where available, typically run from 9 a.m. to 1 p.m. or 2 p.m. Some branches in urban areas or shopping centers have extended hours, while branches in smaller towns or rural areas may have shorter hours or be open only certain days of the week.

The bank does not publish a single system-wide schedule because hours are set by individual branches based on local demand and staffing. To find the exact hours for your branch, enter your zip code or address into the Bank of America branch locator on their website, or call the branch directly. Hours can also change seasonally or due to staffing changes, so checking before you visit is always the safest approach.

What to do if you need banking services when branches are closed

Bank of America ATMs operate 24 hours a day, seven days a week. You can withdraw cash, deposit checks (at ATMs equipped with mobile deposit or check-deposit features), transfer money between accounts, and check your balance at any time. If you have a Bank of America debit card, you can also use ATMs outside the Bank of America network, though you may be charged a fee by the other bank.

Online banking and the Bank of America mobile app let you pay bills, transfer money, deposit checks by photograph, and manage your accounts without visiting a branch. You can also call Bank of America customer service at the number on the back of your debit card or on your account statements; phone support is available 24/7 for most account services. For complex transactions or in-person services like notarization or safe deposit box access, you will need to visit during branch hours.

Permanent branch closures and how to find a replacement location

Bank of America has closed hundreds of branches over the past decade as more customers use online and mobile banking. If a branch you have used is no longer open, the bank has consolidated that location into a nearby branch. Use the Bank of America branch locator on their website to search by zip code or address and see all open locations near you, including their hours and services offered.

Some branches offer limited services—for example, a branch may not have a safe deposit box or mortgage services. If you need a specific service, the locator will tell you which nearby branches offer it. You can also call customer service to ask which branch is closest to you and whether it offers the service you need.

Temporary closures due to staffing or maintenance

Occasionally, a branch may close temporarily for renovations, staffing shortages, or other operational reasons. These closures are usually announced on the Bank of America website and in the branch locator, which will show a note about the closure and its expected end date. If you see a branch listed as temporarily closed, the locator will direct you to the nearest alternative location.

If you arrive at a branch and find it unexpectedly closed, check the door for a notice or call the branch number to learn when it will reopen. You can also contact Bank of America customer service by phone to report the issue and get directions to the nearest open branch.

Frequently Asked Questions

Is Bank of America open on holidays like Thanksgiving or Christmas?

No. Bank of America closes all branches on major federal holidays including Thanksgiving, Christmas, New Year's Day, Independence Day, and Labor Day. ATMs and online banking remain available 24/7 on holidays.

Can I deposit a check when the branch is closed?

Yes, if you have a Bank of America debit card and the mobile app, you can photograph and deposit checks anytime through mobile check deposit. You can also deposit checks at Bank of America ATMs equipped with deposit features, which operate around the clock.

What if I need to speak to someone and the branch is closed?

Call Bank of America customer service at the number on the back of your debit card or on your account statements. Phone support is available 24/7 for most account questions and transactions. For services that require in-person verification, you will need to visit during branch hours.

How do I know if a Bank of America branch has closed permanently?

Use the Bank of America branch locator on their website and search for your branch by name or location. If it does not appear in the results, it has closed. The locator will show you the nearest open branches and their hours.

Do all Bank of America branches have the same hours?

No. Hours vary by location based on local demand and staffing. Most branches open at 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., but some have extended hours and others have shorter hours. Check your specific branch on the Bank of America website.