Most Bank of America branches close at 2 p.m. on Christmas Eve

Bank of America branches typically open at their regular time on December 24th but close at 2 p.m. instead of their normal closing time. Christmas Eve is not a federal banking holiday, so branches do stay open — but the bank shortens the day. Some individual branches may close even earlier or remain closed all day depending on location and local decisions, which is why calling ahead is the only reliable way to know your specific branch's schedule.

If you need to handle banking in person on Christmas Eve, plan to arrive in the morning or early afternoon. Waiting until late afternoon almost guarantees you will find the branch closed or closing within minutes.

Key Takeaways

  • Most Bank of America branches open at their regular time on Christmas Eve but close at 2 p.m., so you need to visit in the morning or early afternoon.
  • Individual branches vary in their Christmas Eve hours, so calling your local branch the day before is the only way to confirm what time they close.
  • ATMs and the Bank of America mobile app work 24/7 on Christmas Eve, even when the physical branch is closed.
  • You can withdraw cash, deposit checks, transfer money, and pay bills through ATMs or the mobile app without visiting a branch.
  • Bank of America is fully closed on Christmas Day (December 25th) if it falls on a weekday, since Christmas is a federal banking holiday.

How to find your branch's Christmas Eve hours

Call your local branch directly — this is the fastest and most accurate way to confirm. Find the phone number on the Bank of America website by using the branch locator tool (enter your zip code) or look at a recent statement or your debit card. Call during regular business hours, ideally the day before Christmas Eve, and ask specifically what time your branch closes on December 24th.

You can also visit your branch in person a few days before Christmas and ask a teller about their holiday schedule. Many branches post holiday hour notices on their doors or windows in early December, so check the next time you visit. Some branches may have different hours than others in the same city, so do not assume all locations close at the same time.

Using ATMs and mobile banking when the branch is closed

Bank of America ATMs operate 24 hours a day, seven days a week, including on Christmas Eve. You can withdraw cash, deposit checks, and transfer money between your own accounts at any Bank of America ATM without needing the branch to be open. This is often the fastest option if you only need cash or want to deposit a check.

The Bank of America mobile app and online banking website are also available around the clock. You can pay bills, transfer money between accounts, check your balance, and handle most routine transactions from your phone or computer. If you need to speak with a customer service representative, you can call the number on the back of your debit card or on your statement — though wait times are typically longer on holidays, so calling early in the day is wise.

Planning ahead for time-sensitive banking

If you have checks to deposit, bills to pay in person, or anything that requires speaking with a teller, handle it before December 24th. Branches become crowded in the days leading up to Christmas Eve as people rush to finish banking before the holiday, so you may face longer waits if you wait until the last few days.

Bank of America is fully closed on Christmas Day (December 25th) if it falls on a weekday, since Christmas is a federal banking holiday. If you have time-sensitive banking needs, complete them by December 23rd. Branches return to normal hours on December 26th (or December 27th if the 26th is a Sunday).

What happens to transactions submitted on Christmas Eve

Transactions you submit on Christmas Eve — such as bill payments, wire transfers, or account transfers — may not process until after the holiday. The exact timing depends on when you submit the transaction and what type it is. Checks you deposit at an ATM on Christmas Eve typically post to your account the next business day.

If you are expecting a deposit or payment to arrive before Christmas, contact the sender about their timeline. Bank transfers and ACH payments (like payroll deposits) normally take one to three business days even during regular weeks. The holiday may add additional delay, so do not count on money arriving on a specific date if it is being sent close to Christmas.

Direct deposit and paycheck timing over the holiday

Direct deposits typically post on the scheduled day regardless of holidays, though the exact timing depends on your employer's payroll system and the bank's processing schedule. If your regular payday falls on Christmas Day (December 25th), your deposit usually arrives on December 24th instead. If you are unsure when your paycheck will arrive, contact your employer's payroll department — they can tell you the exact date and time to expect the deposit.

Do not assume your paycheck will arrive early just because of the holiday. Some employers adjust payroll dates in advance, while others do not. Confirming with your employer is the only way to know for certain.

Frequently Asked Questions

Can I do everything I need at an ATM on Christmas Eve?

You can withdraw cash, deposit checks, and transfer money between your own accounts at an ATM. You cannot open a new account, dispute a transaction, or speak with a teller. For those tasks, you need to visit during regular branch hours or call customer service.

What if I need to reach customer service on Christmas Eve?

Bank of America's customer service phone line is open on Christmas Eve. Call the number on the back of your debit card or on your statement. Wait times are usually longer on holidays, so calling early in the day gives you a better chance of reaching someone quickly.

Will my paycheck deposit on Christmas Eve if I use direct deposit?

Direct deposits typically post on the scheduled day regardless of holidays. If your payday falls on Christmas Day, the deposit usually arrives on December 24th instead. Contact your employer's payroll department if you are unsure when to expect your deposit.

Are Bank of America branches open on December 26th?

Yes. Branches return to normal hours on December 26th (or December 27th if the 26th is a Sunday). Only Christmas Day itself is a federal banking holiday when all branches close completely.

What if my branch closes earlier than 2 p.m. on Christmas Eve?

Some branches do close earlier than 2 p.m. based on local decisions. This is why calling ahead is essential — your branch's hours may differ from the standard 2 p.m. closing time. Call the day before to confirm.