Bank of America closes branches on federal holidays and Sundays

Bank of America branches are closed on Sundays and on the 11 federal holidays observed by the U.S. government. These holidays are 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. If today is one of these days, that is why your local branch is closed.

The bank's main customer service phone line and online banking remain available on most holidays, though response times may be slower. ATMs and mobile banking work around the clock, regardless of whether branches are open.

Key Takeaways

  • Bank of America branches close on all Sundays and on 11 federal holidays each year, including Christmas, Thanksgiving, and Independence Day.
  • ATMs, online banking, and the mobile app work 24/7, even when branches are closed.
  • Customer service phone lines stay open on most holidays but may have longer wait times.
  • Some Bank of America locations in malls or airports may have different hours than traditional branches.
  • You can check your specific branch's hours on the Bank of America website or by calling ahead.

What you can do when branches are closed

If you need to move money, check your balance, or pay bills, use your Bank of America debit card at any ATM, log into your online account, or use the mobile app. These services do not depend on branch hours. You can also call customer service at 1-800-432-1000, though wait times are typically longer on holidays.

If you need to deposit a check, use mobile check deposit through the app — you photograph the front and back of the check and submit it without visiting a branch. The funds usually appear in your account within one business day.

How to find your branch's actual hours

Some Bank of America locations, especially those inside malls or airports, keep different hours than standalone branches. The most reliable way to check is to visit bankofamerica.com, click "Locations," enter your zip code, and select your branch. The page will show today's hours and the full weekly schedule.

You can also call your branch directly — the phone number appears in the location results — or call the main customer service line at 1-800-432-1000 and ask about a specific branch.

The 11 federal holidays when Bank of America closes

Bank of America observes these holidays each year:

  • New Year's Day (January 1)
  • Martin Luther King Jr. Day (third Monday in January)
  • Presidents' Day (third Monday in February)
  • Memorial Day (last Monday in May)
  • Juneteenth (June 19)
  • Independence Day (July 4)
  • Labor Day (first Monday in September)
  • Columbus Day (second Monday in October)
  • Veterans Day (November 11)
  • Thanksgiving (fourth Thursday in November)
  • Christmas (December 25)

If one of these holidays falls on a Sunday, the bank is already closed that day anyway. If a holiday falls on a Saturday, some branches may close on Friday instead, though this varies by location.

Why banks close on federal holidays

Federal holidays are days when the Federal Reserve — the central banking system of the United States — is closed. Because the Federal Reserve does not process transactions on these days, commercial banks like Bank of America cannot clear checks, process wire transfers, or move money between accounts through the federal system. Keeping branches open would not allow staff to complete most banking tasks.

Banks also close on Sundays by choice, not by law. This is a longstanding industry practice, though some online-only banks and credit unions offer Sunday hours.

What happens to time-sensitive transactions

If you submit a wire transfer, check deposit, or bill payment on a holiday, it will not process until the next business day. The same applies to transactions submitted after business hours on a regular day. If you have a time-sensitive payment due, plan ahead and submit it before the holiday or after-hours cutoff.

Automatic payments and scheduled transfers set up in advance will process on their scheduled date, even if that date is a holiday, because they are handled by the automated system rather than by staff.

Frequently Asked Questions

Can I use my debit card or ATM on a holiday?

Yes. ATMs work 24/7, and debit cards work at any merchant that accepts them. You can withdraw cash, check your balance, and make purchases on any holiday. The only thing you cannot do is visit a physical branch or speak to a teller.

Will my direct deposit arrive on a federal holiday?

Direct deposits scheduled for a federal holiday will usually arrive on the next business day instead. Check with your employer about their payroll schedule if your payday falls on a holiday.

What if I need to speak to someone today and the branch is closed?

Call customer service at 1-800-432-1000. Wait times are longer on holidays, but representatives are available. For urgent issues, some Bank of America locations have 24-hour customer service lines listed on their branch page.

Do Bank of America ATMs charge extra fees on holidays?

No. ATM fees do not change based on the day of the week or whether it is a holiday. You will pay the same fee (or no fee, depending on your account type) as you would on any other day.

Can I deposit a check on a holiday using the mobile app?

Yes. Mobile check deposit works 24/7 through the Bank of America app. Take photos of the front and back of the check and submit them. The funds typically appear in your account within one business day, though processing may take longer if you deposit on a holiday.