Bank of America branches close early on Christmas Eve

Most Bank of America branches operate on a reduced schedule on Christmas Eve (December 24). Many locations close at 2 p.m. or 3 p.m. instead of their normal closing time, which is typically 5 p.m. or 6 p.m. Some branches may close entirely if December 24 falls on a weekend or if the branch is in a location that observes the holiday differently.

The exact hours depend on your specific branch location. Bank of America does not set a single company-wide closing time for Christmas Eve—each branch manager has some discretion based on local traffic and staffing. The safest approach is to check your branch's hours directly rather than assume a standard time.

If you need to handle banking on December 24, plan to visit in the morning or early afternoon. ATMs and online banking remain available 24/7, so you can deposit checks, transfer money, or check balances without visiting a branch.

Key Takeaways

  • Bank of America branches typically close 2 to 3 hours earlier than usual on Christmas Eve, often at 2 p.m. or 3 p.m., though hours vary by location.
  • Check your specific branch's schedule on the Bank of America website using the branch locator tool or by calling your branch directly.
  • ATMs and online banking work normally on Christmas Eve, so you can withdraw cash, deposit checks, transfer money, and pay bills without visiting a physical branch.
  • If you need to see a teller or a banker on December 24, arrive before noon to be safe.
  • Bank of America's customer service line operates 24/7 if you have questions about your account on Christmas Eve afternoon.

How to find your branch's Christmas Eve hours

Visit bankofamerica.com and use the branch locator tool. Enter your zip code or address, and the search results will show your nearest branches with their hours listed. Click on the specific branch to see whether it has special holiday hours posted for December 24.

You can also call your branch directly. The phone number appears in the branch locator results. A staff member can confirm the exact closing time for December 24 and let you know if any services (like notary or safe deposit box access) will be unavailable that day.

If you're unsure whether your branch will be open at all on Christmas Eve, calling ahead takes two minutes and removes the risk of traveling to a closed location.

What you can do without visiting a branch

Bank of America's ATMs operate around the clock on Christmas Eve. You can withdraw cash, deposit checks using the mobile app or ATM, transfer money between your accounts, and check your balance at any time. ATM deposits are processed on the next business day.

Online banking through the website or mobile app lets you pay bills, send money to other people, set up transfers, and review transactions. If you need to deposit a check, use mobile check deposit through the app—photograph the front and back, and the funds typically post within one business day.

For questions about your account or transactions, you can call Bank of America's customer service line, which operates 24/7. The number is on the back of your debit card or on your statement. Representatives can help with account questions, fraud concerns, and most service requests even when branches are closed.

What closes on Christmas Day itself

Bank of America branches are closed on Christmas Day (December 25) when it falls on a weekday. If Christmas falls on a weekend, branches are closed on the observed holiday (usually the following Monday).

ATMs and online banking remain open. If you need cash or need to move money on Christmas Day, use the ATM or your phone. Any transactions you make online will process on the next business day, which may be December 26 or later depending on the day of the week.

If you have an urgent account issue on Christmas Day, call customer service. While they cannot process some requests like notary services, they can address fraud, account access problems, and other time-sensitive concerns.

Planning ahead for holiday banking

If you know you'll need to deposit a large check, transfer money, or handle account changes before the holiday, do it earlier in the week. December 23 or earlier gives you a full business day to resolve any issues before the branch closes for the holiday.

If you're traveling over the holidays, let Bank of America know in advance through your online account settings or by calling customer service. This prevents fraud alerts if you use your card in a different state or country. You can also locate Bank of America branches and ATMs at your destination using the branch locator, which shows hours for locations nationwide.

For bill payments scheduled around the holidays, submit them at least one business day early. Payments submitted online after a branch closes may not reach the recipient until the next business day, which could delay arrival if the recipient's bank is also closed.

Frequently Asked Questions

Can I deposit a check on Christmas Eve if the branch is closed?

Yes. Use mobile check deposit through the Bank of America app anytime, even after the branch closes. Photograph the front and back of the check, and it will be processed on the next business day. You can also deposit at an ATM if your branch has one.

Will my online bill payments go through on Christmas Eve?

Payments you schedule online will process, but they may not reach the recipient until the next business day if you submit them after the branch closes. Schedule payments a day or two early if you want to be certain they arrive before Christmas.

What if I need to speak to someone on Christmas Eve afternoon?

Call Bank of America's customer service line at the number on your card. Representatives are available 24/7 to answer questions about your account, even if your local branch is closed. They cannot process some requests like notary services, but they can help with most account issues and fraud concerns.

Are Bank of America ATMs open on Christmas Eve?

Yes. ATMs operate 24/7, including Christmas Eve and Christmas Day. You can withdraw cash, deposit checks, and transfer money at any time, regardless of branch hours.

What happens if I need a notary or safe deposit box access on Christmas Eve?

These services require a staff member and are not available after your branch closes. Plan to visit before the early closing time on December 24, or wait until the branch reopens on December 26 or later. Call your branch to confirm when these services will be available again.