Bank of America branches close on Columbus Day

Bank of America observes Columbus Day as a federal holiday and closes all U.S. branches on that day. If Columbus Day falls on a Monday, your local branch will be shut. The holiday is observed on the second Monday of October each year.

This closure applies to physical branch locations only. Online banking, mobile app access, and ATM withdrawals continue to work normally on Columbus Day — you can transfer money, check balances, and withdraw cash from any Bank of America ATM at any time. The bank's digital infrastructure does not pause for federal holidays.

If you need to deposit a check or speak to someone in person, you will need to visit on a different day. Deposits made at ATMs on Columbus Day will post to your account the next business day, just as they would on any other non-business day. Plan ahead if you have time-sensitive banking needs.

Key Takeaways

  • Bank of America branches close on Columbus Day, which falls on the second Monday of October each year.
  • ATMs and online banking remain available on Columbus Day, so you can access your money and move it between accounts without visiting a branch.
  • Checks deposited at ATMs on Columbus Day will post the next business day, the same as deposits made on weekends.
  • If you need in-person service such as a cashier's check or to open an account, plan to visit your branch the day before or the day after the holiday.
  • Bank of America customer service is available by phone on Columbus Day, though wait times may be longer than usual.

What you can and cannot do on Columbus Day

You can withdraw cash from any Bank of America ATM, transfer money between your own accounts through the app or website, pay bills online, and check your balance. You can also use ATM check deposit if your branch has that feature. These services run 24/7 regardless of whether the branch is open.

You cannot visit a branch to speak with a banker, open a new account in person, get a cashier's check, or conduct business that requires a teller. If you need any of these services, complete them on Friday before the holiday or on Tuesday after. Waiting until the last minute on Friday afternoon often means longer lines, so consider going earlier in the week if possible.

When Columbus Day falls on different dates

Columbus Day is always the second Monday in October. In 2024, that is October 14. In 2025, it is October 13. In 2026, it is October 12. Check your calendar to confirm the exact date each year, since the holiday does not fall on the same calendar date twice in a row.

Some states and cities do not recognize Columbus Day and observe Indigenous Peoples' Day instead, but Bank of America follows the federal holiday calendar nationwide. The branch closure applies to all U.S. locations on the federal Columbus Day date, regardless of what your state or city calls the day.

Planning around the holiday

If you know you will need a service that requires a branch visit — such as ordering a cashier's check, depositing a large amount of cash, or opening a new account — do it the Friday before Columbus Day. Many people wait until the last minute, so branches can be busy on Friday afternoon. If you can visit earlier in the week, you will likely have a shorter wait.

If you are traveling or do not have access to your home branch, remember that any Bank of America ATM will work for withdrawals and deposits. You can also call Bank of America customer service at 1-800-432-1000 on Columbus Day to ask questions about your account, though you cannot conduct transactions that require a banker's authorization. Email support through your online banking portal is another option if you prefer not to call.

Other federal holidays when Bank of America closes

Bank of America closes on all federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Columbus Day is one of ten annual closures. Each year follows the same pattern — branches shut, but ATMs and online services remain open.

If you are planning a transaction that requires a branch visit, check the federal holiday calendar at the start of each month to avoid showing up to a closed location. Marking these dates on your personal calendar helps you plan time-sensitive banking needs in advance. The same rules explore to all federal holidays: digital access continues, in-person services stop.

Frequently Asked Questions

Can I withdraw money from a Bank of America ATM on Columbus Day?

Yes. ATMs work 24/7, including on Columbus Day. You can withdraw cash, deposit checks, and transfer money between accounts using any Bank of America ATM, whether the branch is open or not.

Will my check deposit post on Columbus Day if I use the ATM?

No. Checks deposited at an ATM on Columbus Day will post the next business day, which is Tuesday. The bank does not process deposits on federal holidays, so the timing is the same as depositing on a Sunday.

Can I call Bank of America on Columbus Day?

Yes, customer service is available at 1-800-432-1000. However, you may experience longer wait times since many people call on holidays. You can handle most questions through the app or website instead.

What if I need a cashier's check on Columbus Day?

You cannot get one on Columbus Day because branches are closed. Order it the Friday before, or wait until Tuesday after the holiday. If you need it urgently for a time-sensitive payment, plan ahead and get it earlier in the week.

Does Bank of America close on Indigenous Peoples' Day instead of Columbus Day?

No. Bank of America follows the federal holiday calendar, so it closes on Columbus Day nationwide. Some cities and states recognize Indigenous Peoples' Day, but that does not change Bank of America's operating schedule.