Bank of America Hours on Black Friday: What You Need to Know

Bank of America branches are closed on Black Friday

Bank of America closes all of its U.S. branches on Black Friday, the day after Thanksgiving. This is a company-wide policy, not a branch-by-branch decision. If you need to visit a physical location, you will need to go on a different day.

Black Friday falls on the fourth Friday of November each year. In 2024, that is November 29. In 2025, it will be November 28. Bank of America treats this day the same way it treats other federal holidays — branches do not open for in-person service.

The closure applies to all standard banking services at physical locations: deposits, withdrawals, account changes, and speaking with a banker in person. However, you can still use ATMs and online banking throughout the day.

Key Takeaways

• All Bank of America branches close on Black Friday, regardless of which state you are in.
• ATMs remain available 24/7, so you can withdraw cash or deposit checks at any Bank of America ATM on Black Friday.
• Online banking, mobile app transfers, and bill pay work normally on Black Friday with no interruption.
• If you need to speak with someone, you can call Bank of America's customer service line, though wait times may be longer than usual.
• Plan ahead if you need cash or need to complete a transaction that requires a banker — visit on Thursday or the following Monday.

What banking services work on Black Friday

Even though branches are closed, most of your banking does not stop. You can transfer money between your own accounts using the mobile app or online banking. You can pay bills, set up automatic payments, and check your balance at any time.

ATMs work around the clock on Black Friday. You can withdraw cash, deposit checks, and transfer funds at any Bank of America ATM or at ATMs in the Allpoint network (which Bank of America customers can use for free). This is often the fastest way to get cash if you need it on Black Friday itself.

If you have a question or need help, you can call Bank of America's customer service number. The phone line stays open on Black Friday, though you should expect longer wait times than on a regular business day. Check your statement or the back of your debit card for the correct number to call.

Services that require a branch visit

Some transactions can only happen at a physical branch with a banker. These include opening a new account, explore for a loan or credit card, ordering a cashier's check, or discussing investment options. If you need any of these services, you will need to visit on Thursday before the holiday or wait until the following Monday.

If you have a time-sensitive issue — for example, you need to report a lost card or dispute a transaction — call customer service instead of waiting for a branch to open. Bank of America can often handle these matters over the phone or through the app, and the phone line is staffed on Black Friday.

Planning ahead for Black Friday banking

If you know you will need cash on Black Friday, withdraw it on Thursday. If you need to deposit a check, use an ATM or mobile deposit (which lets you photograph the check and submit it through the app). If you are planning to shop and might need a new debit card or have account questions, handle those on Thursday afternoon.

For holiday shopping, remember that most retailers accept debit and credit cards, so you do not necessarily need cash. If you do carry cash, having it on hand before the holiday closes branches makes the day simpler.

Other Bank of America holiday closures

Black Friday is not the only day Bank of America branches close. The bank also closes on New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Hours may also be reduced on the day before or after some holidays, so it is worth checking your specific branch's schedule if you are planning a visit near any major holiday.

You can find your branch's exact hours on the Bank of America website by entering your zip code. The site will show you holiday hours for the next several months, so you can plan around closures.

Frequently Asked Questions

Can I use my Bank of America debit card on Black Friday?

Yes. Your debit card works at any retailer, ATM, or online store on Black Friday. The branch closure does not affect your ability to spend money or access your account through cards or digital payments.

Will I be charged fees if I use an out-of-network ATM on Black Friday?

Bank of America does not charge you to use ATMs in the Allpoint network, which includes over 55,000 ATMs worldwide. If you use a non-Allpoint ATM, you may be charged a fee by that ATM's operator, just as you would on any other day.

What if I need to report fraud on Black Friday?

Call Bank of America's customer service line when ready. The phone line is open on Black Friday and can handle fraud reports, card blocks, and other urgent issues. You do not need to wait for a branch to open.

Can I deposit a check on Black Friday without visiting a branch?

Yes. Use the Bank of America mobile app to photograph the front and back of the check and submit it for mobile deposit. You can also deposit checks at any Bank of America ATM that accepts deposits. Both methods work on Black Friday.

Are Bank of America customer service phone lines open on Black Friday?

Yes, but expect longer wait times than on a regular business day. The phone line is staffed, and representatives can help with account questions, fraud reports, card issues, and other matters that do not require a branch visit.