Bank of America branches close on Juneteenth

Bank of America observes Juneteenth (June 19th) as a federal holiday, which means physical branches are closed on that day. If Juneteenth falls on a weekend, the bank observes the holiday on the nearest weekday — usually the Friday before if it lands on Saturday, or the Monday after if it lands on Sunday.

This closure applies to all Bank of America retail locations. You cannot visit a branch, speak to a teller, or use in-branch services on the observed holiday. However, your account remains active and accessible through other channels.

Key Takeaways

  • All Bank of America branches close on Juneteenth, observed on June 19th or the nearest weekday if it falls on a weekend.
  • You can still access your money through ATMs, the mobile app, online banking, and phone banking on Juneteenth.
  • Deposits made at ATMs or through mobile deposit will process when the bank reopens, not when ready.
  • If you need cash or in-person service on Juneteenth, plan ahead by withdrawing money the day before.

What you can and cannot do on Juneteenth

Bank of America's digital services run 24/7, even when branches are closed. You can log into your account online or through the mobile app, check balances, transfer money between your own accounts, pay bills, and send money to other people. These transactions process normally.

What you cannot do is visit a branch, deposit checks in person, speak to a banker about a loan or account issue, or access safe deposit boxes. ATMs work normally on Juneteenth — you can withdraw cash and deposit checks at any Bank of America ATM. Mobile deposits (photographing a check through the app) also work, though the check will not clear until the bank reopens.

If you need to deposit a large check or handle something that requires a banker's judgment, you will need to wait until the branch reopens on the next business day.

When deposits and transfers actually process

Transactions you initiate on Juneteenth follow different timelines depending on the method. Transfers between your own Bank of America accounts process when ready and show in your account right away, even though no staff member is working.

Checks deposited at an ATM or through mobile deposit on Juneteenth will not clear until the bank reopens. The deposit is recorded in your account, but the funds are not available until the next business day at the earliest. Wire transfers initiated on Juneteenth may also be delayed — outgoing wires typically process the next business day, and incoming wires depend on the sending bank's schedule.

Bill payments scheduled for Juneteenth will send on that day if you set them up in advance, but if you are paying a company that also observes the holiday, they may not process the payment until they reopen.

Planning ahead if you need cash or services

The simplest approach is to withdraw cash from an ATM the day before Juneteenth if you know you will need it. Bank of America ATMs dispense cash 24/7, and there is no daily limit on ATM withdrawals (though your account balance is the practical limit).

If you need to deposit a check and cannot use mobile deposit or an ATM, you will have to wait until the branch reopens. If the check is time-sensitive — for instance, it has a date limit or you need the funds urgently — deposit it as soon as the branch opens on the next business day.

For account issues that require a banker's help, call Bank of America's customer service line before Juneteenth. Phone banking is available during normal business hours on the day before the holiday, and representatives can sometimes resolve issues or schedule a callback for when branches reopen.

Other banks and financial institutions on Juneteenth

Most major banks — Chase, Wells Fargo, Citibank, US Bank — close on Juneteenth. Credit unions vary; some observe it and some do not, so check with your specific credit union. Online banks like Ally and Charles Schwab do not have physical branches, so Juneteenth does not affect their services, though wire transfers and ACH transfers may process more slowly.

The Federal Reserve, which clears checks and processes wire transfers between banks, is also closed on Juneteenth. This means that even if your bank is open, transfers between different banks may be delayed.

What happens if you need emergency access to money

If you have a genuine emergency on Juneteenth — you need cash when ready and have no ATM access, or your debit card is lost — Bank of America's customer service line is staffed even on holidays. Call 1-800-432-1000 to reach a representative. They cannot open a branch for you, but they can discuss options like having money wired to you or enabling a temporary card replacement.

If you are locked out of your online account or mobile app, customer service can help reset your access. If your debit card is compromised, they can freeze it when ready and discuss replacement options, though a new card will not arrive until after the holiday.

Frequently Asked Questions

Can I use my Bank of America debit card on Juneteenth?

Yes. Your debit card works at any merchant, ATM, or point of sale on Juneteenth. The bank closure does not affect card transactions. You can swipe, tap, or insert your card normally, and the transaction will process.

Will my direct deposit hit my account on Juneteenth?

Direct deposits scheduled for Juneteenth may arrive, depending on your employer's payroll system and the bank's processing schedule. Some employers process payroll the day before a holiday, so your deposit might arrive on June 18th instead. Check with your employer's payroll department if you are unsure.

What if I need to dispute a transaction on Juneteenth?

Call Bank of America's customer service line at 1-800-432-1000. Representatives can document a dispute and start an investigation even though branches are closed. You will need your account number and details of the transaction in question.

Can I open a new account on Juneteenth?

No. Opening an account requires in-person verification or a video call with a banker, and Bank of America does not schedule these on federal holidays. You can open an account online through their website on Juneteenth, but you may need to complete verification steps when a branch reopens.

Do Bank of America's ATMs charge fees on Juneteenth?

No. ATM fees are the same on Juneteenth as any other day. If you use a Bank of America ATM, there is no fee. If you use an out-of-network ATM, you will be charged the standard out-of-network fee, which varies by account type.