Bank of America Hours on Christmas Eve: What You Need to Know

Bank of America branches close early on Christmas Eve

Most Bank of America branches are open on Christmas Eve but close earlier than usual. The exact closing time depends on your branch location — some close at 2 p.m., others at 3 p.m., and a few may stay open until 4 p.m. or 5 p.m. You cannot assume a standard time across all locations.

The best way to confirm your specific branch's Christmas Eve hours is to visit the Bank of America website, enter your zip code in the branch locator tool, and click on your branch. The hours listed there reflect what that location observes. You can also call your branch directly to ask.

If you need banking services on Christmas Eve and your branch closes early, you have other options: ATMs work 24 hours, the Bank of America mobile app lets you transfer money and pay bills, and you can use online banking to handle most transactions from home.

Key Takeaways

• Bank of America branches are open on Christmas Eve but close several hours earlier than their normal weekday closing time.
• Closing times vary by branch, so you must check your specific location's hours on the Bank of America website or by calling ahead.
• ATMs, mobile banking, and online banking remain available 24 hours on Christmas Eve if you cannot visit a branch.
• If you need to deposit a check or handle something that requires a teller, plan to visit early in the day on Christmas Eve.

How to find your branch's Christmas Eve hours

Go to bankofamerica.com and use the "Find a location" tool at the top of the page. Enter your zip code or city name, and a list of nearby branches appears. Click on the branch you plan to visit.

The branch details page shows regular hours and any holiday hours. Christmas Eve hours are usually listed separately from the standard Monday–Friday schedule. If the page does not show a specific Christmas Eve time, call the branch directly — the phone number is on that same page.

Calling ahead takes two minutes and removes doubt. Bank of America customer service can also tell you whether your branch will be open if you are unsure which location is closest to you.

What you can do without visiting a branch on Christmas Eve

Bank of America ATMs work around the clock on Christmas Eve. You can withdraw cash, deposit checks (at ATMs with deposit capability), transfer money between your accounts, and check your balance without entering a branch.

The mobile app and online banking let you pay bills, send money to other people, set up transfers, dispute transactions, and manage your accounts from anywhere. These services do not close for holidays. If you need to move money or pay someone on Christmas Eve, you can do it through your phone or computer regardless of branch hours.

The one thing you cannot do remotely is cash a check that requires a teller's signature or deposit cash in person. For those tasks, you need a branch that is open.

Christmas Day and the day after Christmas

Bank of America branches are closed on Christmas Day (December 25) if it falls on a weekday. If Christmas falls on a Saturday or Sunday, branches are already closed on those days, and the observed holiday closure happens on the following Monday.

The day after Christmas (December 26) is a regular business day in most years. Branches return to their normal hours unless December 26 is a Sunday. Check your branch's schedule to be certain, since some locations may observe a delayed holiday closure.

Planning ahead for holiday banking

If you know you need to deposit cash, get a cashier's check, or handle something that requires a teller before the holidays, do it earlier in the week. Christmas Eve is busy, lines are longer, and branches close early — waiting until then creates unnecessary stress.

If you have a time-sensitive payment due around Christmas, use online bill pay or the mobile app instead of waiting for a branch to open. Payments sent electronically usually process within one to two business days, giving you a buffer if the holiday falls on a weekday.

Frequently Asked Questions

Is Bank of America open on Christmas Eve afternoon?

Most branches are open in the morning and early afternoon on Christmas Eve but close by 2 p.m. to 5 p.m., depending on the location. Check your specific branch's hours online or call to confirm before you go.

Can I use my debit card or ATM on Christmas Eve?

Yes. ATMs and debit cards work 24 hours on Christmas Eve. You can withdraw cash, check your balance, and deposit checks at ATMs with that feature, regardless of branch hours.

What if I need to deposit cash on Christmas Eve?

Cash deposits require a teller and must happen at a branch during open hours. Visit early on Christmas Eve before your branch closes, or wait until the day after Christmas if your branch is open then. ATMs do not accept cash deposits.

Will Bank of America be open the day after Christmas?

Yes, December 26 is a regular business day in most years, and branches return to normal hours. If December 26 falls on a Sunday, check whether your branch observes the holiday on Monday instead.

Can I pay bills on Christmas Eve if the branch is closed?

Yes. Use online bill pay or the mobile app to send payments anytime, including Christmas Eve. Payments typically process within one to two business days, so send them early enough to meet any important date.