Bank of America is closed on Veterans Day

Bank of America branches close on Veterans Day, which falls on November 11 each year. If November 11 lands on a weekend, the bank observes the holiday on the nearest weekday — usually the Friday before if it falls on a Saturday, or the Monday after if it falls on a Sunday.

This means you cannot visit a branch in person, use the drive-through, or speak with a banker at a physical location on that day. However, you can still use ATMs, mobile banking, and online banking services, which run 24/7 regardless of holidays.

Key Takeaways

  • All Bank of America branches close on Veterans Day (November 11), or the observed date if the 11th falls on a weekend.
  • ATMs and online banking remain available on Veterans Day, so you can withdraw cash and check your account anytime.
  • If you need to speak with someone or handle a transaction that requires a banker, plan ahead and visit on the business day before or after the holiday.
  • Bank of America's customer service phone line may have reduced hours or longer wait times on or around the holiday.

What you can and cannot do on Veterans Day

On Veterans Day, you lose access to in-person banking only. Your debit card works at any ATM that accepts it, so you can withdraw cash from Bank of America ATMs or other banks' ATMs (though you may pay a fee for out-of-network use). You can also transfer money between your own accounts, check your balance, deposit checks using mobile deposit, and pay bills through online banking or the mobile app.

What you cannot do is speak to a banker, open a new account, explore for a loan, dispute a transaction in person, or resolve issues that require a staff member. If you need any of these services, you must visit on a different day or call customer service during regular business hours.

Planning around the holiday

If you know you need to handle something in person before Veterans Day, visit your branch the day before. Many people wait until the last minute, so branches can be busier than usual on the business day before a holiday.

If the holiday falls on a weekday and you cannot visit before it, you can go the day after. If Veterans Day falls on a Friday, branches reopen on Monday. If it falls on a Monday, branches close that day and reopen Tuesday. If it falls on a Saturday or Sunday, the bank observes the holiday on the nearest weekday, so plan accordingly.

Using customer service on or around Veterans Day

Bank of America's phone line (1-800-432-1000) may have reduced staffing or longer wait times on Veterans Day itself. If you call, you may reach an automated system that can handle basic requests like balance checks or card blocking, but you might wait longer to speak with a representative.

If your issue is not urgent, calling the day after the holiday usually means shorter wait times. For account emergencies — like fraud or a lost card — the phone line operates even on holidays, though you may experience delays.

Other Bank of America holidays to know

Bank of America closes on the same federal holidays every year: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. The bank also closes on Good Friday, which is not a federal holiday but is observed by most banks.

If any of these holidays fall on a weekend, the bank observes on the nearest weekday. You can find the full holiday schedule on Bank of America's website or by calling your local branch.

Planning major transactions before a holiday

If you are depositing a check, transferring a large sum, or waiting for a wire transfer to arrive, remember that processing may be delayed around holidays. A check deposited on the business day before Veterans Day may not clear until after the holiday. Wire transfers sent on the day before a holiday typically do not process until the day after.

If timing matters — for example, you need funds to arrive by a certain date — deposit or send money at least two business days before the holiday. This gives the bank time to process the transaction before the closure.

Frequently Asked Questions

Can I use my debit card on Veterans Day if the branch is closed?

Yes. Your debit card works at ATMs and stores on Veterans Day. You can withdraw cash from any ATM, make purchases, and use online banking. Only in-person services at the branch are unavailable.

What if I need to deposit a check on Veterans Day?

You can use mobile deposit through the Bank of America app to photograph and deposit a check anytime, including on Veterans Day. The check will be processed after the holiday. If you need to deposit cash, you must wait until the branch reopens.

Will my automatic payments go through on Veterans Day?

Yes. Automatic bill payments, direct deposits, and recurring transfers continue on schedule even when branches are closed. The bank's systems process these transactions 24/7.

How do I know if my local branch is closed on Veterans Day?

All Bank of America branches close on Veterans Day or the observed date. You do not need to check your specific branch — the closure applies nationwide. You can confirm the exact date by visiting bankofamerica.com or calling 1-800-432-1000.

What if I have an emergency on Veterans Day?

Call Bank of America's customer service line at 1-800-432-1000. For fraud, a lost or stolen card, or other urgent issues, the phone line operates on holidays. You may experience longer wait times, but a representative can help with emergencies.