Bank of America observes federal holidays and selected state holidays across its U.S. network, impacting in-branch services, drive-throughs, and personal banking appointments. During these days, most retail locations remain closed, though digital platforms and customer support options often remain available.
Below is a structured overview of how key holiday dates, service levels, and channel availability align for planning personal and business banking needs.
| Holiday | Typical Date | Branch Status | Digital & ATM Service |
|---|---|---|---|
| New Year’s Day | January 1 | Closed | Online and mobile banking available; ATMs operational |
| Memorial Day | Last Monday in May | Closed | Online and mobile banking available; ATMs operational |
| Independence Day | July 4 | Closed | Online and mobile banking available; ATMs operational |
| Labor Day | First Monday in September | Closed | Online and mobile banking available; ATMs operational |
| Christmas Day | December 25 | Closed | Online and mobile banking available; ATMs operational |
Holiday Branch Schedule and Closures
Bank of America branches typically close on all major federal holidays, and many regional offices follow additional state and local observances. Customers should check the branch locator on the website or call ahead, as hours can vary by location and special circumstances.
Online and Mobile Banking Access
Even when branches are closed, digital channels remain a reliable way to manage money, pay bills, and check balances. The Bank of America website and mobile app support secure login, transfers, and customer service chat for most banking needs during holidays.
ATM and Cash Access During Holidays
ATMs generally remain operational on holidays, allowing cash withdrawals and certain deposits. While some in-branch ATMs may be unavailable due to location closures, off-site ATMs typically continue to function, subject to network conditions.
Customer Support Options on Holidays
Phone and digital support options usually remain open on holidays, providing guidance for payments, fraud alerts, and account questions. Reduced staffing may affect wait times, so planning routine tasks outside peak hours can improve the experience.
Planning Your Banking Around Bank of America Holidays
By aligning your banking activities with digital channels and advance planning, you can manage finances smoothly around holiday closures.
- Verify branch hours using the Bank of America branch locator before visiting.
- Use online or mobile banking for payments, transfers, and statements during holidays.
- Rely on ATMs for cash needs, while noting possible location-specific limitations.
- Contact customer service early for urgent issues to avoid peak wait times.
- Save important phone numbers and bookmark digital tools ahead of holiday periods.
FAQ
Reader questions
Are Bank of America branches open on major holidays like July 4 and December 25?
No, most Bank of America branches are closed on federal holidays such as Independence Day and Christmas Day.
Can I deposit a check or make a payment on a holiday when branches are closed?
Yes, you can deposit checks and make payments through online banking or mobile banking, and ATMs may accept deposits depending on location.
Will customer service agents be available if I have an urgent issue on a holiday?
Customer service agents are typically available by phone and digital chat, though response times may be longer during busy holiday periods.
Do ATMs still work on holidays, and are they safe to use at night?
ATMs usually remain operational on holidays, and they are generally safe to use at night, but it is wise to choose well-lit locations and be aware of your surroundings.