How to learn about your Bank of America location is open right now
Bank of America branches operate on different schedules depending on the day of the week and the specific location. Most branches are open Monday through Friday from 9 a.m. to 5 p.m., but many also have Saturday hours, usually 9 a.m. to 1 p.m. On Sunday, most branches are closed. However, these are general patterns — your nearest branch may have different hours.
The fastest way to check if a specific branch is open today is to visit the Bank of America location finder on their website or mobile app. Enter your zip code or city, and the tool will show you every branch nearby with its exact hours for today. The app also tells you whether the branch is currently open or closed, and how long until it opens or closes. If you are already a customer, you can also call your branch directly — the phone number appears in the location finder results.
If you need banking services and your local branch is closed, Bank of America offers alternatives. Their customer service phone line operates 24/7 at 1-800-432-1000. ATMs are available around the clock at most Bank of America locations and at partner networks. Online banking through their website or mobile app lets you transfer money, pay bills, and check balances at any time.
Key Takeaways
- Most Bank of America branches open at 9 a.m. on weekdays and close at 5 p.m., but Saturday and Sunday hours vary by location.
- The Bank of America website location finder shows real-time hours for your specific branch and tells you whether it is currently open.
- Customer service by phone is available 24 hours a day, seven days a week at 1-800-432-1000 for account questions and transactions.
- ATMs and online banking work around the clock, so you can access your money even when branches are closed.
What you can do at a branch versus online or by phone
Some banking tasks require you to visit a branch in person. Opening a new account, explore for a loan or credit card, and resolving disputes about transactions usually need a face-to-face meeting or a notarized document. If you need to deposit cash or checks, you can do this at a branch, at an ATM (for checks), or through mobile deposit on your phone. Withdrawing large amounts of cash may also require a branch visit, though you can request cash at any ATM up to your daily limit.
Many routine tasks do not require a branch. You can transfer money between your own accounts, pay bills, check your balance, freeze or unfreeze your debit card, and report fraud through online banking or the mobile app. You can also call customer service to make these changes over the phone. If you need to speak to someone about your account but do not need to be there in person, the phone line is faster than waiting for a branch appointment.
Branch hours on holidays and special days
Bank of America closes most branches on federal holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some branches may also close on other holidays depending on local observance. On the day before or after a major holiday, hours may be shortened.
The location finder on the Bank of America website shows holiday hours for your branch, usually updated several weeks in advance. If you are planning a banking task around a holiday, check the location finder or call your branch ahead of time to confirm it will be open. If your branch is closed on a holiday, you can still use ATMs, online banking, and the 24-hour customer service line.
Using Bank of America ATMs when branches are closed
Bank of America ATMs are available 24 hours a day at most branch locations and at many other sites. You can withdraw cash, deposit checks, transfer money between accounts, and check your balance at any Bank of America ATM. If you use an ATM owned by another bank, you may be charged a fee — Bank of America charges a non-customer fee, and your own bank may charge you as well.
Bank of America is part of the Allpoint ATM network, which means you can use thousands of ATMs worldwide without a fee if you have a Bank of America checking account. The mobile app has an ATM locator that shows you nearby Allpoint machines and Bank of America ATMs. If you need cash outside business hours, this is your most direct option.
Mobile app and online banking hours
Bank of America online banking and the mobile app work 24 hours a day, seven days a week. You can log in at any time to check your balance, transfer money, pay bills, deposit checks by taking a photo, and manage your accounts. However, some transactions may not process when ready. Transfers between Bank of America accounts usually go through within minutes, but transfers to other banks may take one to three business days.
If you encounter a problem while using online banking or the app, you can contact customer service by phone at 1-800-432-1000 at any time. Live representatives are available 24/7, though wait times may be longer during off-hours. You can also use the in-app messaging feature to contact customer service, though responses during business hours are faster.
Scheduling an appointment at your branch
If you need to meet with someone at a Bank of America branch, you can schedule an appointment through the mobile app or website. This is useful if you want to discuss a loan, open an account, or handle a complex transaction without waiting in line. Appointments are usually available within a few days, though availability depends on your location and how busy the branch is.
To schedule an appointment, go to the location finder, select your branch, and look for the appointment scheduling option. You can choose the date and time that works for you. If you cannot find an appointment slot that suits your schedule, call the branch directly — staff can sometimes fit you in or suggest alternative times.
Frequently Asked Questions
Are Bank of America branches open on Saturday?
Most Bank of America branches are open on Saturday from 9 a.m. to 1 p.m., but some locations have different hours or are closed on Saturday. Check the location finder for your specific branch to see Saturday hours.
Can I do everything online that I can do at a branch?
Most routine tasks like transfers, bill pay, and balance checks work online. However, opening a new account, explore for loans, and handling disputes usually require a branch visit or a phone call with a representative who can document your request.
What is the customer service phone number and when can I call?
The main customer service line is 1-800-432-1000 and is available 24 hours a day, seven days a week. Wait times are typically shorter during business hours, but you can reach someone at any time.
Can I deposit cash at an ATM?
Bank of America ATMs accept check deposits but do not accept cash deposits. To deposit cash, you must visit a branch during business hours or use a teller-assisted ATM if your branch has one.
How long does it take for money to arrive when I transfer it to another bank?
Transfers to other banks typically take one to three business days. Transfers between Bank of America accounts usually process within minutes. The exact timing depends on the receiving bank and whether you initiate the transfer on a business day.