Bank of America branches are closed on Labor Day

Bank of America observes Labor Day as a federal holiday and closes all U.S. branches on that day. Labor Day falls on the first Monday in September each year. In 2024, that's September 2. In 2025, it's September 1.

If you need to visit a branch, do your banking the business day before or after the holiday. If you need cash or have an urgent transaction, you have other options that work on Labor Day itself.

Key Takeaways

  • All Bank of America branches close on Labor Day; the exact date changes each year because it's always the first Monday in September.
  • ATMs and the Bank of America mobile app work on Labor Day, so you can withdraw cash, check balances, and transfer money without visiting a branch.
  • Online bill pay, mobile check deposit, and Zelle transfers all function normally on the holiday.
  • If you have a time-sensitive issue like a fraud dispute or account lock, call the customer service number on the back of your card — phone support is available on Labor Day.

What you can do on Labor Day without a branch

Bank of America ATMs run 24/7, including on Labor Day. You can withdraw cash, deposit checks (if your ATM has mobile deposit), check your balance, and transfer money between your own accounts at any ATM in the network.

The Bank of America mobile app and website both work on Labor Day. You can pay bills, transfer money to other people, deposit checks by photograph, check your account balance, and freeze or unfreeze your debit card. These services don't depend on branch staff.

Zelle transfers through Bank of America also process on Labor Day, though the receiving bank may not post the money until the next business day. If you need to send money urgently, Zelle is faster than waiting for a branch to reopen.

When you actually need to call or visit in person

Most routine questions can be handled through the app or website. But if you need to dispute a transaction, report a lost or stolen card, unlock a frozen account, or discuss something that requires a signature, you'll need either phone support or a branch visit.

Bank of America customer service is available by phone on Labor Day. The number is on the back of your debit or credit card. Wait times may be longer than on regular business days because more people call when branches are closed.

If your issue can wait until the next business day, visiting a branch in person is usually faster than calling on the holiday. Branches reopen the day after Labor Day with normal hours.

Planning ahead for holiday banking

If you know you'll need a branch visit around Labor Day, handle it on Friday before the holiday or Tuesday after. This avoids the rush of people who waited until the last minute.

If you're traveling over the Labor Day weekend and might need cash, withdraw it before you leave. ATMs are available, but if your card gets declined or lost, a branch won't be open to help you until Tuesday.

Check your account for any pending bills or transfers that might be affected by the holiday. Most automatic payments and transfers still go through on schedule, but knowing what's coming helps you avoid overdrafts.

Other Bank of America services on Labor Day

Bank of America investment and brokerage services (through Merrill Edge) operate on Labor Day, though the stock market itself is closed. You can view your portfolio and place trades, but they won't execute until the market reopens on Tuesday.

Mortgage and loan services don't have branch hours on Labor Day, but you can still log into your account online to view statements, make payments, or send a message to your loan officer. They'll respond when they return to work.

Frequently Asked Questions

Can I deposit a check at a Bank of America ATM on Labor Day?

Yes, if your ATM has a deposit slot. You can deposit checks 24/7 at most Bank of America ATMs. The check will be processed and credited to your account, though the timing depends on when you deposit it relative to the bank's processing schedule.

Will my automatic bill payment go through on Labor Day?

Yes. Automatic payments and transfers scheduled for Labor Day will process normally. The money leaves your account on the date you set, even though branches are closed. If a payment is due on Labor Day and you haven't scheduled it yet, set it up through the app or website before the holiday.

What if I need cash but the ATM is out of service on Labor Day?

ATM outages do happen, but they're rare and not specific to holidays. If an ATM near you is down, use the ATM locator in the Bank of America app to find another one nearby. Most areas have multiple ATMs within a short distance.

Can I open a new account on Labor Day?

You cannot open an account at a branch on Labor Day because branches are closed. You can open certain accounts through the Bank of America website or app, but the process may take longer because it requires verification steps that sometimes need a phone call from a staff member.

Are Bank of America customer service phone lines open on Labor Day?

Yes. Customer service is available by phone on Labor Day. Call the number on the back of your card. Response times may be slower than on regular business days because of higher call volume.