Bank of America branches have regular hours, and most are open today unless it is a federal holiday

Bank of America does not close permanently on specific days. Individual branches operate on set schedules — typically Monday through Friday from 9 a.m. to 5 p.m., with Saturday hours at some locations and no Sunday service. If you cannot reach your branch, the reason is usually that it is outside business hours, not that it has shut down.

The fastest way to check is to visit bankofamerica.com, enter your zip code in the branch locator, and look at the hours listed for your location. You can also call the branch directly or use the Bank of America mobile app, which shows real-time status. If today is a federal holiday — Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas, or New Year's Day — most branches will be closed.

If you need to handle something urgent outside branch hours, Bank of America offers 24/7 phone banking at 1-800-432-1000 and online account access through their website and app. ATMs are available around the clock at most locations.

Key Takeaways

  • Bank of America branch hours vary by location, but most open at 9 a.m. on weekdays and close by 5 p.m.
  • The branch locator on bankofamerica.com shows current hours and whether your specific branch is open today.
  • Federal holidays close most branches, but phone banking and online services remain available 24/7.
  • If you cannot reach a branch by phone, try calling back during posted hours or use the mobile app to handle routine transactions.
  • ATMs and online banking work around the clock, even when physical branches are closed.

How to Find Your Branch's Hours Right Now

Go to bankofamerica.com and select "Locations" from the main menu. Enter your zip code or city name, and the site will show all nearby branches with their hours for today. The listing includes phone numbers, addresses, and whether the branch offers specific services like safe deposit boxes or notary services.

The mobile app shows the same information and often displays whether a branch is currently open or closed. If you are already a customer, you can save your preferred branch so the app shows its hours automatically when you open it.

Calling the branch directly is also reliable. Most branches answer during business hours and can tell you if they are open today or if a holiday is affecting their schedule. The main customer service line at 1-800-432-1000 can also confirm branch status and direct you to the nearest location if yours is closed.

What to Do If Your Branch Is Closed

If your branch is closed and you need to handle something today, check whether you can do it online or through the app. Deposits, transfers, bill payments, and balance checks all work through digital channels. The mobile app lets you deposit checks by taking a photo, and you can send money to other people or accounts when ready.

For transactions that require a physical location — withdrawing large amounts of cash, opening a new account, or signing documents — find another Bank of America branch that is open. The branch locator shows hours for all nearby locations, so you can pick one that fits your schedule.

If you need help outside business hours, call 1-800-432-1000. Phone representatives handle account questions, fraud reports, card blocks, and many other issues without requiring a branch visit. This line operates 24/7, including weekends and holidays.

Federal Holidays When Bank of America Branches Close

Bank of America closes all branches on these 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), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).

On these days, physical branches do not open, but online banking, the mobile app, and phone customer service remain available. ATMs continue to work. If you need to deposit a check on a holiday, use mobile deposit through the app, and the funds will post when the branch reopens.

When Bank of America Actually Closes Locations Permanently

Bank of America does occasionally close individual branches permanently, usually when a location is underused or when the bank consolidates nearby branches. When this happens, the bank notifies customers by mail at least 90 days before the closure date. The notification includes information about the nearest alternative branch and any special services available at that location.

If you have not received a closure notice and your branch is not answering, it is almost certainly just closed for the day, not permanently shut down. Check the branch locator on the website — if the branch still appears in the system with posted hours, it is operating normally.

To confirm whether a specific branch has closed permanently, call customer service at 1-800-432-1000 or check the branch locator. If a branch no longer appears in the locator and you have not received a closure notice, contact the bank directly to ask about its status.

Using Online and Mobile Banking When Branches Are Closed

Bank of America's online platform and mobile app handle most everyday banking tasks without a branch visit. You can check balances, review transactions, transfer money between accounts, pay bills, and deposit checks by photograph. The app also lets you freeze or unfreeze your debit card, report fraud, and message customer service.

If you need to withdraw cash and no branch is open, use any Bank of America ATM. The network includes thousands of machines nationwide, and most are available 24/7. You can also withdraw cash at many retail locations that accept debit cards — grocery stores, pharmacies, and other merchants often offer cash back at no charge.

For questions that require a person, call 1-800-432-1000 at any time. Wait times are usually shorter during off-peak hours — early morning, late evening, or weekday afternoons. Have your account number and a form of ID ready when you call.

Frequently Asked Questions

Is Bank of America closing all branches today?

No. Bank of America operates thousands of branches with regular hours. If you cannot reach your specific branch, it is likely closed for the day or outside business hours. Check the branch locator on bankofamerica.com to see today's hours for your location.

Can I do my banking if the branch is closed?

Yes. Online banking, the mobile app, and phone customer service work 24/7. You can deposit checks by photograph, transfer money, pay bills, and handle most transactions without visiting a branch. ATMs are also available around the clock.

How do I know if my branch closed permanently?

Bank of America notifies customers by mail at least 90 days before closing a branch. If you have not received a notice and the branch still appears in the online locator with posted hours, it is open. Call 1-800-432-1000 to confirm the status of any branch.

What should I do if I need cash and the branch is closed?

Use a Bank of America ATM, which are available 24/7 at most locations. You can also withdraw cash at retail stores by using your debit card and requesting cash back at checkout — no fee applies at most merchants.

Are Bank of America services available on holidays?

Physical branches close on federal holidays, but online banking, the mobile app, phone customer service, and ATMs remain available. If you deposit a check on a holiday using mobile deposit, it will post when the branch reopens.