Bank of America customer service hours depend on what you need and how you contact them

Bank of America's phone lines open at 8 a.m. Eastern time on weekdays and close at 9 p.m. Eastern time. Weekend hours are 9 a.m. to 6 p.m. Eastern on Saturday and Sunday. These are the hours for general customer service — account questions, card issues, fraud reports, and routine transactions. The number is 1-800-432-1000 for checking and savings accounts.

Online and mobile banking have no set hours — you can log in and check balances, transfer money, pay bills, or deposit checks any time of day or night. ATMs work 24/7. If you need to speak to a person outside the phone hours listed above, you can visit a Bank of America branch during their local hours, which vary by location but typically run 9 a.m. to 5 p.m. on weekdays and shorter hours on Saturday.

Key Takeaways

  • Phone customer service opens at 8 a.m. Eastern on weekdays and 9 a.m. Eastern on weekends, closing at 9 p.m. and 6 p.m. respectively.
  • Online and mobile banking are available 24/7 for checking balances, transfers, bill pay, and mobile check deposit.
  • ATMs work around the clock for cash withdrawals and deposits.
  • Your local branch has its own hours, which you can find by searching your address on the Bank of America website or calling 1-800-432-1000.
  • Specialized departments like fraud or investment services may have different hours than general customer service.

Phone lines by department and time zone

The 8 a.m. to 9 p.m. Eastern schedule applies to the main customer service line. If you are calling from the Pacific time zone, that translates to 5 a.m. to 6 p.m. your local time. Mountain and Central time zones fall in between. Bank of America does not publish separate opening times for each zone — the times are always stated in Eastern.

Some departments open later or close earlier. Mortgage services, investment accounts, and business banking lines may have different hours. When you call the main number, the automated system will route you to the right department and tell you if that line is currently open. If it is not, you can leave a callback request and a representative will call you back during business hours.

What you can do outside phone hours

If you need to move money or check your account at 2 a.m. on a Tuesday, the mobile app and website let you do that without waiting. You can transfer funds between your own accounts, send money to other people through Zelle, pay bills, deposit checks by photo, and view your full transaction history. These functions do not require a person on the other end.

For urgent issues that require a live person — fraud on your card, a locked account, or a transaction you need to dispute when ready — you have limited options outside phone hours. Some credit card fraud is handled by a separate 24/7 line; when you call the main number, the system will offer to transfer you if fraud is your issue. For other emergencies, you may need to visit a branch if one is open nearby, or wait until phone lines reopen.

Finding your local branch hours

Bank of America branches do not all keep the same hours. A branch in a downtown area might open at 8 a.m. and close at 6 p.m. on weekdays, while a suburban location might open at 9 a.m. and close at 5 p.m. Saturday hours range from 9 a.m. to 1 p.m., and most branches are closed on Sunday. The fastest way to find your branch's exact hours is to go to bankofamerica.com, click "Locations," enter your address or zip code, and select your branch from the results.

You can also call 1-800-432-1000 and ask for your branch location and hours. If you are planning to visit for something specific — depositing a large check, opening a new account, or discussing a loan — it is worth calling ahead to confirm someone will be available to help you, because some branches have limited staff at certain times.

Holiday and special closures

Bank of America closes on federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. On these days, branches are closed and phone lines may have reduced hours or be closed entirely. The website and mobile app continue to work normally.

During major system maintenance, which Bank of America typically schedules for Sunday nights, some online and mobile functions may be temporarily unavailable. The bank usually announces planned maintenance in advance through email or in-app notifications. If you are locked out of your account during maintenance, wait until the window ends — usually by Monday morning — rather than calling customer service, because representatives cannot override a system outage.

Callback requests and wait times

If you call during business hours and the wait is long, you can request a callback instead of holding. Give the system your phone number, and a representative will call you back within the timeframe the system estimates — usually within a few hours during business hours. You do not have to stay on the line. This is useful if you are calling near closing time and do not want to be cut off mid-conversation.

Wait times are longest on Monday mornings and Friday afternoons. If you have a non-urgent question, calling on a Wednesday or Thursday afternoon typically means a shorter wait. If you call after 8 p.m. Eastern on a weekday, you will reach an automated system that can handle some requests but will direct you to call back during business hours for others.

Frequently Asked Questions

Is Bank of America customer service open on weekends?

Yes. Phone lines are open 9 a.m. to 6 p.m. Eastern on both Saturday and Sunday. Most branches are also open on Saturday, usually 9 a.m. to 1 p.m., but closed on Sunday. Online and mobile banking work 24/7.

What do I do if I need help outside of customer service hours?

Use the mobile app or website to handle routine tasks like transfers, bill pay, and check deposits. For urgent fraud or account lockouts, call the main number and the automated system will tell you if a 24/7 line is available for your issue. Otherwise, leave a callback request and someone will contact you during business hours.

Are the hours the same for all Bank of America phone lines?

The main customer service line is 8 a.m. to 9 p.m. Eastern on weekdays and 9 a.m. to 6 p.m. on weekends. Some specialized departments like fraud or mortgages may have different hours. When you call, the automated system will tell you if your department is currently available.

How do I learn about my branch is open today?

Search your address on bankofamerica.com under "Locations" to see your branch's hours. You can also call 1-800-432-1000 and ask for your nearest branch and its hours. Hours vary by location, so do not assume all branches keep the same schedule.

Can I deposit a check outside of customer service hours?

Yes, through mobile check deposit in the app, which works 24/7. You can also use an ATM to deposit checks at any time. If you need to deposit a large check or have questions about the deposit, you will need to speak to someone during phone or branch hours.