Bank of America closes most branches on Veterans Day

Bank of America observes Veterans Day as a federal holiday and closes most of its physical branches on November 11. If November 11 falls on a weekend, the bank typically observes the holiday on the nearest weekday — usually the Friday before or the Monday after. Online banking, mobile apps, and ATMs remain available 24/7, so you can transfer money, check balances, and withdraw cash even when branches are closed.

The closure affects in-person services like speaking with a teller, opening new accounts, or getting a cashier's check. If you need to handle something that requires a person, plan ahead by visiting on the business day before the holiday or the day after.

Key Takeaways

  • Bank of America branches close on November 11 (or the observed date if it falls on a weekend), but ATMs and online banking work normally.
  • You can still deposit checks through mobile deposit, transfer money between accounts, and pay bills online during the closure.
  • If you need to speak with someone or handle a transaction that requires a teller, visit the day before or the day after the holiday.
  • Some Bank of America locations in military communities may have special hours — call your local branch ahead of time to confirm.

What you can and cannot do when branches are closed

Online and mobile banking work exactly as they do on any other day. You can log into your account, transfer money between your own accounts, send money to other people through Zelle or wire transfer, pay bills, deposit checks through mobile deposit, and set up automatic payments. ATMs dispense cash and accept deposits 24 hours a day, regardless of whether the branch is open.

What you cannot do is walk into a branch and speak with a teller or banker. This means you cannot open a new account, close an account, order a cashier's check, report a lost or stolen card in person, or discuss loan options face-to-face. If you need any of these services on Veterans Day itself, you will need to wait until the next business day or handle what you can through the phone or app.

How to find your local branch's exact hours

Bank of America's website has a branch locator tool where you can enter your zip code and see the hours for every location near you. Search "Bank of America near me" or go to bankofamerica.com and click the branch locator link. The page shows regular hours and will note if a specific branch has different holiday hours.

Some branches in areas with large military populations or near military bases may have adjusted schedules or special observances on Veterans Day. Calling your local branch directly is the fastest way to confirm — the number appears in the locator tool. A quick call the day before the holiday takes the guesswork out.

What to do if you need cash or a deposit on Veterans Day

Use an ATM. Bank of America ATMs work around the clock, and you can withdraw cash, deposit checks, and deposit cash (at most locations). If you need to deposit a check and do not have access to an ATM, use mobile deposit through the Bank of America app — you photograph the front and back of the check and submit it, and the funds usually appear in your account within one business day.

If you absolutely need to speak with someone on Veterans Day, call Bank of America's customer service line. The number is on the back of your debit card or on the website. Phone support is available, though wait times may be longer than usual because branches are closed and more people are calling.

Planning ahead for common Veterans Day transactions

If you need a cashier's check, order it the day before the holiday. If you are opening a new account, do it before November 11 or wait until the day after. If you have a question about a transaction or your account, call customer service rather than waiting to visit a branch in person.

For payroll deposits or automatic bill payments, the holiday does not affect those — they process on their normal schedule. If payday falls on Veterans Day, your employer's deposit will still land in your account as scheduled (though it may post a day later if the bank's processing systems are running on a reduced schedule).

Frequently Asked Questions

Can I use my Bank of America debit card on Veterans Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Veterans Day just like any other day. The branch closure does not affect card transactions or ATM access.

Will my direct deposit still go through on Veterans Day?

Yes. Direct deposits process on schedule even when the bank is closed. If Veterans Day falls on a weekday, your employer's deposit will land in your account as normal, though it may post slightly later in the day than usual.

What if I need to report a fraudulent transaction on Veterans Day?

Call Bank of America's fraud line when ready — the number is on the back of your card. Phone support is available 24/7. You do not need to visit a branch to report fraud or dispute a charge.

Are Bank of America ATMs open on Veterans Day?

Yes. All Bank of America ATMs are open 24 hours a day, every day, including Veterans Day. You can withdraw cash, deposit checks, and deposit cash at most ATM locations.

Do I need to do anything special to use online banking on Veterans Day?

No. Log in and use the app or website exactly as you normally would. There are no special steps or restrictions on Veterans Day.