Bank of America Branch and ATM Hours on Columbus Day

Bank of America is closed on Columbus Day

Bank of America observes Columbus Day as a federal holiday and closes all branch locations on that day. This means you cannot visit a physical branch, speak with a banker in person, or use branch services like depositing checks at the teller window or opening new accounts.

Columbus Day falls on the second Monday in October each year. In 2024, that is October 14. In 2025, it is October 13. The holiday changes dates annually because it is always the second Monday of the month.

ATMs remain available 24/7 on Columbus Day, even though branches are closed. You can withdraw cash, check your balance, transfer money between your own accounts, and deposit checks using the mobile app or ATM envelope at any Bank of America ATM.

Key Takeaways

• All Bank of America branches close on Columbus Day, which falls on the second Monday of October.
• ATMs work normally on Columbus Day and you can use them to withdraw cash, deposit checks, and transfer money between your accounts.
• Online banking and the Bank of America mobile app remain open on Columbus Day for transfers, bill pay, and account management.
• If you need to speak with someone, Bank of America customer service phone lines are typically available on Columbus Day, though wait times may be longer.

What you can and cannot do on Columbus Day

Because branches are closed, you cannot visit in person to deposit cash, order a cashier's check, open a new account, or speak with a banker face-to-face. You also cannot access safe deposit boxes or complete transactions that require a teller.

You can still handle most banking needs through other channels. Online banking lets you transfer money, pay bills, send money to other people, and manage your accounts. The Bank of America mobile app offers the same features plus mobile check deposit, where you photograph both sides of a check and submit it through the app.

ATMs let you withdraw cash, deposit checks using the envelope slot, deposit cash at some locations, transfer money between your own accounts, and check your balance. You can also use ATMs at other banks' networks if you have a Bank of America card, though you may pay an out-of-network fee.

When branches reopen after Columbus Day

Bank of America branches reopen the next business day after Columbus Day closes. If Columbus Day falls on Monday, October 14, branches reopen on Tuesday, October 15 at their normal hours, which are typically 9 a.m. to 5 p.m. Monday through Friday, though hours vary by location.

Some branches have extended hours on certain days. You can check your specific branch's hours on the Bank of America website by entering your zip code or address into the branch locator tool. This also shows you which services that branch offers, since not all branches provide the same services.

Phone and online support on Columbus Day

Bank of America customer service phone lines are typically open on Columbus Day, though you may experience longer wait times than usual. The main customer service number is 1-800-432-1000. You can call to ask questions about your account, report a lost or stolen card, or get help with transactions.

Online banking and the mobile app do not close on Columbus Day. You can log in anytime to check your balance, review transactions, transfer money, pay bills, or deposit checks by phone. Email support may take longer to answer on the holiday.

Planning ahead for Columbus Day banking

If you know you will need to visit a branch on or around Columbus Day, plan your visit for the day before or the day after. This is especially important if you need to deposit cash, order a cashier's check, or handle something that requires speaking with a banker.

If you need to deposit a check on Columbus Day itself, use mobile check deposit through the Bank of America app instead of waiting for a branch to reopen. The check will be processed and the funds typically become available within one to two business days, depending on the amount and your account history.

For time-sensitive transactions like wire transfers or large deposits, contact Bank of America by phone on Columbus Day to ask whether the transaction can be processed or whether you need to wait until the branch reopens.

Other federal holidays when Bank of America closes

Bank of America closes branches on all federal holidays recognized by the U.S. government. These include New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.

ATMs and online banking remain open on all these holidays. If you are unsure whether a specific day is a federal holiday when Bank of America will be closed, you can check the Bank of America website or call customer service to confirm.

Frequently Asked Questions

Can I deposit cash at a Bank of America ATM on Columbus Day?

Some Bank of America ATMs accept cash deposits, but not all locations have this feature. If your nearest ATM has a cash deposit slot, you can use it on Columbus Day. If it does not, you will need to wait until a branch reopens to deposit cash in person.

Will my online bill payments process on Columbus Day?

Yes. If you schedule a bill payment through online banking or the mobile app before Columbus Day, it will process on the date you selected, even if that date is the holiday. However, the receiving company may not process it until the next business day.

Can I open a new Bank of America account on Columbus Day?

You cannot open an account in person at a branch on Columbus Day because branches are closed. However, you may be able to open certain accounts online through the Bank of America website, depending on the account type. Check the website or call customer service to ask which accounts can be opened online.

What if I lose my debit card on Columbus Day?

Call Bank of America customer service at 1-800-432-1000 to report the lost card when ready. They can freeze or cancel the card right away, even though branches are closed. A replacement card will be mailed to you, typically arriving within five to seven business days.

Are Bank of America loan payments due on Columbus Day?

If your loan payment is due on Columbus Day, the due date does not change. However, most lenders give you until the end of the business day after the holiday to make the payment without a late fee. Contact your lender to confirm their policy, or make the payment online before Columbus Day to be safe.