Bank of America branches close early on New Year's Eve and stay closed on New Year's Day

Most Bank of America branches operate on a reduced schedule on December 31st and close entirely on January 1st. The exact closing time on New Year's Eve varies by location — some branches close at 2 p.m., others at 3 p.m., and a few may stay open until their normal closing time. You should check your specific branch's hours before you go, because the bank does not publish a single company-wide New Year's Eve schedule.

New Year's Day is a federal holiday, so all Bank of America branches are closed. ATMs and online banking remain available 24/7, so you can withdraw cash or transfer money without visiting a branch. If you need to speak to someone on January 1st, you can call customer service at 1-800-432-1000, though wait times are typically longer on holidays.

Key Takeaways

  • Bank of America branches close early on December 31st, usually between 2 p.m. and 3 p.m., but the exact time depends on your location.
  • All branches are closed on January 1st because it is a federal holiday.
  • ATMs work 24/7, so you can withdraw cash or check your balance even when branches are closed.
  • Online banking and the mobile app are available around the clock, so you can pay bills or transfer money without visiting a branch.
  • If you need to speak to a representative on a holiday, call 1-800-432-1000, but expect longer wait times.

How to find your branch's New Year's Eve hours

The fastest way is to use the Bank of America branch locator on their website or mobile app. Enter your zip code or city, select your branch, and the hours for that location appear — including any holiday adjustments. The locator updates in real time, so the hours you see are current.

You can also call your branch directly. The phone number appears in the locator results. Staff can confirm whether they are open on December 31st and what time they close. If you call on December 30th or earlier, you will reach someone quickly.

What you can do without visiting a branch

Bank of America ATMs are open 24/7, even on holidays. You can withdraw cash, deposit checks (at ATMs equipped with mobile deposit or check deposit slots), transfer money between accounts, and check your balance. If your ATM card is lost or stolen, you can order a replacement through the mobile app or online banking.

Online banking and the mobile app let you pay bills, transfer funds, deposit checks by photo, and review transactions at any time. You can also set up direct deposit, change your PIN, or freeze your debit card through the app if needed. These services do not depend on branch hours.

If you need to dispute a transaction or report fraud, you can start the process online or by calling 1-800-432-1000. The bank investigates disputes even if branches are closed, though the investigation timeline does not change because of the holiday.

When to plan ahead for year-end banking

If you need a cashier's check, notary service, safe deposit box access, or a signature on loan documents, you must visit a branch before December 31st closes early. These services are not available through ATMs or online banking. Plan your visit for December 29th or 30th to avoid the New Year's Eve rush and may support you have time if your first choice branch is busy.

If you are expecting a wire transfer or deposit that needs to clear by a specific date, remember that the bank does not process transactions on January 1st. A deposit made on December 31st may not post until January 2nd, depending on the time it is received and the type of deposit. Check with your employer or the sending bank about their important date if timing matters.

Holiday schedule for other days around New Year's

Bank of America observes the following federal holidays with full branch closures: New Year's Day (January 1st), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19th), Independence Day (July 4th), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11th), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25th).

On some holidays, branches may open with reduced hours instead of closing entirely. Check the branch locator or call ahead if you are unsure about a specific date.

What to do if you have an urgent banking need on January 1st

If you need to report fraud, a lost card, or suspicious activity, call 1-800-432-1000. The bank staffs this line 24/7, including holidays. Have your account number and a description of the issue ready. The representative can freeze your card, dispute a transaction, or file a fraud report when ready.

If you need cash and your ATM card is not working, look for a Bank of America ATM at a grocery store, gas station, or shopping center — these are often in high-traffic areas and less likely to be out of service. If you use an out-of-network ATM, Bank of America charges a fee, but it may be worth it if you have an urgent need.

If your issue can wait until January 2nd, that is usually the better choice. Branches reopen with normal hours, wait times are shorter, and you have access to all services. Most banking needs are not truly urgent on a holiday.

Frequently Asked Questions

Can I deposit a check at a Bank of America ATM on New Year's Eve or New Year's Day?

Yes, if your ATM has a check deposit slot or mobile deposit capability. Mobile deposit (taking a photo of the check through the app) works 24/7. Checks deposited at ATMs on December 31st or January 1st typically post on January 2nd, not the same day, because the bank does not process deposits on federal holidays.

Will my direct deposit hit my account on January 1st if it is scheduled for that day?

No. Direct deposits scheduled for January 1st are delayed until January 2nd because the bank does not process transactions on federal holidays. If your paycheck is due on January 1st, ask your employer to schedule it for December 31st or January 2nd instead.

What if I need to pay a bill before the bank closes on New Year's Eve?

Use online banking or the mobile app to pay bills — both are available 24/7 and do not depend on branch hours. Payments made online before midnight on December 31st are processed on January 2nd (the next business day). If the bill is due on January 1st, contact the creditor to ask for a grace period or pay through their website directly instead of through your bank.

Can I order a new debit card on New Year's Eve if mine is lost?

Yes, through the mobile app or online banking. You can order a replacement card and request expedited shipping. If you need cash when ready and cannot wait for the card to arrive, use an ATM to withdraw funds, or call 1-800-432-1000 to discuss emergency options.

Are Bank of America customer service representatives available on New Year's Day?

Yes. Call 1-800-432-1000 for account questions, fraud reports, or card issues. Wait times are longer on holidays, so call early in the day if possible. Online chat may also be available through the website or app, though response times vary.