Bank of America Hours on New Year's Eve: What to Expect

Bank of America branches close early on New Year's Eve

Most Bank of America branches operate on reduced hours on December 31st and close earlier than their normal weekday schedule. The exact closing time depends on your branch location — some close at 2 p.m., others at 4 p.m., and a few may stay open until 5 p.m. You should check your specific branch's hours before you go, because they vary by location and are set individually by each branch manager.

Bank of America's customer service phone lines and online banking remain available on New Year's Eve, so you can handle most transactions without visiting a branch. ATMs work 24/7 regardless of branch hours, so you can withdraw cash or deposit checks at any time.

Key Takeaways

• Bank of America branches close early on New Year's Eve, typically between 2 p.m. and 5 p.m., depending on your location.
• You can find your branch's exact closing time by searching for your location on the Bank of America website or calling the branch directly.
• ATMs are available 24/7 on New Year's Eve, so you can withdraw cash or make deposits outside of branch hours.
• Online banking and phone customer service remain open on New Year's Eve for most transactions that don't require a teller.
• Bank of America is closed entirely on January 1st, so plan any urgent banking needs for December 31st or January 2nd.

How to find your branch's New Year's Eve hours

The fastest way to check is to visit bankofamerica.com, click "Locations," and search for your branch by address or ZIP code. The branch details page shows the holiday hours for that specific location. You can also call your branch directly — the phone number appears on that same page.

Do not rely on the regular weekday hours listed on Google Maps or other third-party sites, because those do not always reflect holiday changes. Bank of America updates branch hours on its own website, so that is the source to trust.

What you can do without visiting a branch

Most banking tasks do not require you to go to a physical branch on New Year's Eve. You can transfer money between your own accounts, pay bills, deposit checks using mobile check deposit, and check your balance through the Bank of America app or website at any time.

If you need to speak with someone, call Bank of America's customer service line at 1-800-432-1000. Wait times may be longer than usual on New Year's Eve because many people call before the holiday, but the line is staffed during normal business hours.

Transactions that require a branch visit

Some tasks do need a teller or banker in person. These include opening a new account, getting a cashier's check, closing an account, discussing a loan, or handling a dispute that requires a signature. If you need to do any of these, plan to visit your branch earlier in the day on December 31st, or wait until January 2nd when branches return to normal hours.

If you need a cashier's check urgently, ask whether your branch can issue one in the morning on New Year's Eve. Many branches can handle this quickly if you arrive early, but do not count on it if you show up near closing time.

ATM access on New Year's Eve and New Year's Day

Bank of America ATMs work around the clock on both December 31st and January 1st. You can withdraw cash, deposit checks using the mobile app or ATM envelope, transfer money, and check your balance at any time. There are no holiday restrictions on ATM use.

Keep in mind that if you deposit a check at an ATM on New Year's Eve after business hours, it may not post to your account until January 2nd because the bank is closed on January 1st. The deposit will be processed, but the timing depends on when you deposit it relative to the bank's processing schedule.

Planning ahead for New Year's Day

Bank of America is completely closed on January 1st — all branches, all phone lines, and all in-person services are unavailable. Online banking and ATMs work normally, but you cannot speak to a representative or visit a branch.

If you have something that must be handled by a person, do it on December 31st. If you can wait, January 2nd is the next business day when all services resume at normal hours.

Frequently Asked Questions

Can I use my Bank of America debit card on New Year's Eve if the branch is closed?

Yes. Your debit card works at any merchant, ATM, or online retailer regardless of branch hours. Branch closures do not affect card use — only in-person services at the physical location.

Will my direct deposit go through on New Year's Eve?

Direct deposits scheduled for December 31st typically post on that day, but deposits scheduled for January 1st will post on January 2nd because the bank is closed. Check with your employer about their payroll schedule around the holiday.

What if I need cash and the branch is closed?

Use any Bank of America ATM or an ATM in the Allpoint network (which Bank of America customers can use fee-free). ATMs are available 24/7 on New Year's Eve and New Year's Day.

Can I open a new account on New Year's Eve?

You can open an account online through the Bank of America website at any time, including New Year's Eve. If you need to open an account in person with a banker, you must visit a branch before it closes early on December 31st.

Do Bank of America's phone lines stay open on New Year's Eve?

Customer service is available during regular business hours on December 31st, but the line may close earlier than usual. Call 1-800-432-1000 to confirm current hours or to handle your issue while the line is open.