Bank of America branches close on Memorial Day

Bank of America branches are closed on Memorial Day, which falls on the last Monday of May each year. In 2024, that is May 27. In 2025, it is May 26. If you need to visit a branch, you will need to go on a different day.

The bank treats Memorial Day as a federal holiday, the same way it handles Thanksgiving, Christmas, and New Year's Day. This means physical locations do not open, and you cannot speak to a banker in person or use the branch's services that day.

However, you can still use Bank of America's digital services — your online account, the mobile app, and ATMs work normally on Memorial Day. You can also call customer service, though wait times may be longer than usual because the bank runs a reduced staff.

Key Takeaways

  • Bank of America branches close on Memorial Day, which is the last Monday of May each year.
  • ATMs, online banking, and the mobile app remain available on Memorial Day, even though branches are closed.
  • Customer service phone lines are staffed on Memorial Day but may have longer wait times.
  • If you need to speak to someone in person, plan your visit for the day before or the day after the holiday.
  • Check your local branch's hours on the Bank of America website or app to confirm it reopens at its normal time the next business day.

What you can and cannot do on Memorial Day

You cannot walk into a Bank of America branch on Memorial Day to deposit a check, withdraw cash, open an account, or speak to a banker about a loan or account issue. The physical location will be locked, and no staff will be present.

You can still deposit checks through the mobile app by taking a photo of the front and back. You can transfer money between your own accounts online or through the app. You can pay bills, check your balance, and set up alerts. You can also withdraw cash from any Bank of America ATM or from ATMs in the Allpoint network, which Bank of America customers can use without a fee.

If you have an urgent problem — a fraudulent charge, a locked account, or a payment that needs to go through — call Bank of America's customer service line. The number is on the back of your debit card or credit card. Wait times will likely be longer than on a regular business day, so call early if you can.

Planning ahead for Memorial Day weekend

If you know you will need to visit a branch around Memorial Day, go on Friday before the holiday or on Tuesday after. Branches typically reopen at their normal time on Tuesday morning. You can find your branch's hours on the Bank of America website or in the mobile app by entering your zip code.

If you need to deposit a large check or cash, do it before Friday. If you are waiting for a wire transfer or a payment to post, remember that nothing will process on the holiday itself — transactions that would normally clear on Monday will clear on Tuesday instead.

If you are traveling over Memorial Day weekend and think you might need cash, withdraw it before you leave. ATMs work on the holiday, but it is safer to have cash in hand before you travel than to rely on finding an ATM in an unfamiliar place.

Other federal holidays when Bank of America closes

Bank of America closes on the same days every year for federal holidays. These are New Year's Day (January 1), Martin Luther King Jr. Day (the third Monday in January), Presidents' Day (the third Monday in February), Memorial Day (the last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (the first Monday in September), Thanksgiving (the fourth Thursday in November), and Christmas (December 25).

On each of these days, branches are closed but ATMs and online services remain available. If a holiday falls on a weekend, the bank observes it on the nearest weekday — usually the Friday before or the Monday after.

Using ATMs and digital banking on the holiday

Bank of America ATMs work 24 hours a day, 7 days a week, including Memorial Day. You can withdraw cash, deposit checks, and transfer money between accounts at any Bank of America ATM. You can also use ATMs in the Allpoint network, which includes more than 55,000 machines worldwide, without paying a fee.

The mobile app and online banking work the same way on Memorial Day as any other day. Log in, and you can see your balance, transfer money, pay bills, deposit checks by photo, and manage your accounts. If you forget your password, you can reset it online. If you have trouble logging in, call customer service.

Frequently Asked Questions

Will my direct deposit post on Memorial Day?

No. Direct deposits that would normally post on Monday will post on Tuesday instead, when the bank reopens. If you are counting on a Monday deposit to cover a bill, plan ahead and make sure you have enough in your account before the holiday weekend.

Can I still use my debit card on Memorial Day?

Yes. Your debit card works at any merchant, ATM, or online store on Memorial Day. The bank's branch is closed, but the payment system is running normally. Transactions will process as usual.

What if I need to report fraud on Memorial Day?

Call the customer service number on the back of your card. A representative will be available, though wait times may be longer than usual. They can freeze your card, dispute a charge, or help with other urgent issues.

Do Bank of America's partner banks close on Memorial Day too?

Bank of America does not have partner branches in the traditional sense. However, if you use another bank's ATM, that bank's branch may or may not be open on Memorial Day depending on their own holiday schedule. ATMs generally work regardless of whether the branch is open.

Will checks I deposit on Tuesday clear faster because of the holiday?

No. Checks deposited on Tuesday will follow the normal clearing timeline — usually one to two business days depending on the amount and the bank the check is drawn from. The holiday does not speed up the process.