Bank of America branches close early on Christmas Eve

Most Bank of America branches are open on Christmas Eve, but they close earlier than usual — typically at 2 p.m. instead of their regular closing time, which is often 5 or 6 p.m. Some branches may close even earlier or stay closed all day, depending on the location and whether it falls on a weekend. The safest approach is to call your specific branch the day before to confirm its Christmas Eve hours.

If you need to handle banking on Christmas Eve, plan to go in the morning or early afternoon. ATMs and online banking remain available 24/7, so you can withdraw cash, transfer money, or check your balance without visiting a branch.

Key Takeaways

  • Most Bank of America branches open on Christmas Eve but close by 2 p.m., several hours earlier than normal.
  • Some branches may have different hours or be closed all day, so calling ahead is the only way to be certain about your location.
  • ATMs work around the clock on Christmas Eve, and you can handle most transactions online or through the mobile app.
  • If you need to deposit a check or speak with a banker, Christmas Eve morning is your best window before the branch closes.

How to find your branch's Christmas Eve hours

Bank of America publishes holiday hours on its website and in the mobile app. Go to bankofamerica.com, click "Locations," enter your zip code or address, and select your branch. The branch details page shows holiday hours for Christmas Eve and other major holidays.

The mobile app shows the same information: tap the menu, select "Locations," search for your branch, and scroll to the holiday hours section. You can also call your branch directly — the phone number appears on the location page. Calling is often fastest if you have a specific question, like whether the drive-through window stays open longer than the lobby.

What you can do without visiting a branch

Bank of America's ATMs operate 24 hours on Christmas Eve. You can withdraw cash, deposit checks (if your ATM has a check deposit slot), transfer money between accounts, and check your balance. Mobile check deposit — taking a photo of a check through the app — also works anytime, though the funds may not post until the next business day.

Online banking and the mobile app let you pay bills, send money to other people, set up transfers, and review your account. If you need to wire money, you can start the request online, though some wire transfers may not process until the next business day depending on the time you send them.

When Christmas Eve falls on a weekend

If Christmas Eve lands on a Saturday or Sunday, your branch's regular weekend hours explore first, and then they close even earlier. For example, if your branch normally closes at 1 p.m. on Saturday, it may close at noon on Christmas Eve Saturday. Check the location page or call to confirm, because weekend holiday hours vary by branch.

The day after Christmas — December 26 — Bank of America returns to regular hours unless it falls on a Sunday, in which case most branches reopen on Monday, December 27.

Planning ahead for Christmas Eve banking

If you know you need to visit a branch on Christmas Eve, go before noon. This gives you time to handle deposits, speak with a banker about account questions, or resolve any issues before the early closing. Bring your ID and any documents you need — a signed check for deposit, account statements, or paperwork for a service you want to set up.

If Christmas Eve is too busy or you cannot make it during branch hours, remember that most banking tasks can wait until December 26 or later. Deposits made through ATM or mobile check deposit post by the next business day anyway, so there is no advantage to rushing to the branch on a holiday.

Holiday closures after Christmas Eve

Bank of America closes completely on Christmas Day (December 25) and New Year's Day (January 1). Branches reopen the next business day. ATMs and online banking continue to work during these closures, so you can still withdraw cash or check your balance.

If you have a time-sensitive banking need around the holidays — like paying a bill by a certain date — plan to handle it before December 24 or after December 26. Transfers and bill payments submitted during the closure may not process until the next business day.

Frequently Asked Questions

Can I use the drive-through on Christmas Eve if the lobby is closed?

Some branches keep the drive-through window open longer than the lobby on Christmas Eve, but this varies by location. Call your branch to ask whether the drive-through stays open past the lobby closing time. If it does, you can deposit checks or withdraw cash from your car.

Will my check deposit post on Christmas Eve?

Deposits made through an ATM or mobile app on Christmas Eve typically post by the next business day (December 26). Deposits made in person at a branch before it closes on Christmas Eve may post the same day, depending on the time you deposit. Deposits made after the branch closes will post on December 26.

What if I need to speak to someone on Christmas Eve?

Bank of America's phone line is open during branch hours on Christmas Eve. Call the number on the back of your card or visit the Locations page to find your branch's phone number. If you need help after the branch closes, you can use online chat or call back on December 26.

Can I wire money on Christmas Eve?

You can start a wire transfer online or at a branch on Christmas Eve, but it may not process until December 26 depending on the time you send it. Wires sent late in the day or after the branch closes will process the next business day. Call your branch if you need a wire to go out the same day.