Bank of America Branch and Customer Service Hours

Standard Bank of America Branch Hours

Most Bank of America branches are open Monday through Friday from 9 a.m. to 5 p.m., and Saturday from 9 a.m. to 1 p.m. Branches are closed on Sundays and federal holidays. However, hours vary by location — some branches in urban areas stay open until 6 p.m. on weekdays, and a few locations open on Sunday afternoons. The only way to know your specific branch's hours is to check the Bank of America website or call the branch directly.

You can find your branch's exact hours by visiting bankofamerica.com, clicking "Locations," entering your zip code or address, and selecting your branch. The hours listed there are the most current. If you're planning to visit for something specific — like opening an account, getting a cashier's check, or speaking with a banker — it's worth calling ahead to confirm the branch is open and that staff can help with what you need.

Key Takeaways

• Most Bank of America branches open at 9 a.m. on weekdays and close at 5 p.m., with Saturday hours from 9 a.m. to 1 p.m.
• Hours vary significantly by branch location, so you must check your specific branch on the Bank of America website or by phone.
• All branches close on Sundays and federal holidays, with no exceptions for holiday weekends.
• Bank of America's customer service phone line is open 24/7, even when branches are closed.

When Bank of America Closes for Federal Holidays

Bank of America branches close on all federal holidays, including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. The bank also closes on the day after Thanksgiving. If a federal holiday falls on a Saturday, most branches close on Friday instead. If it falls on a Sunday, they close on Monday.

Even though branches are closed, you can still use ATMs, mobile banking, and online banking during holidays. If you need to reach customer service on a holiday, the phone line remains open 24/7. However, some services — like speaking with a banker or getting a cashier's check — require a branch visit and won't be available until the branch reopens.

ATM and Online Access When Branches Are Closed

Bank of America ATMs work around the clock, seven days a week, even when branches are closed. You can withdraw cash, deposit checks (at ATMs with mobile deposit or envelope deposit), transfer money between accounts, and check your balance at any time. ATM transactions process when ready or within one business day, depending on the type of transaction.

Online banking and the Bank of America mobile app are also available 24/7. You can pay bills, transfer money, deposit checks using mobile deposit, set up automatic payments, and monitor your accounts from anywhere. Mobile check deposit typically posts within one business day. If you need to move money urgently and a branch is closed, online banking is usually your fastest option.

Customer Service Phone Hours

Bank of America's customer service phone line is open 24 hours a day, seven days a week, including holidays. You can call to ask questions about your account, report a lost or stolen card, dispute a transaction, or get help with online banking. The phone number is on the back of your debit card or credit card, or you can find it on bankofamerica.com.

Wait times are typically shorter during business hours (9 a.m. to 5 p.m. on weekdays), but you can reach someone at any time. If you call outside business hours, you may reach an automated system first, but you can usually press an option to speak with a representative. Some issues — like opening a new account or getting a cashier's check — still require a branch visit and cannot be handled over the phone.

Early Closing and Extended Hours at Specific Locations

Some Bank of America branches close earlier than 5 p.m. on certain days, particularly on Fridays or days before holidays. A few branches in major cities stay open until 6 p.m. or later on weekdays. Some locations also offer limited Sunday hours, typically from 11 a.m. to 3 p.m. These variations are not consistent across the bank, so you cannot assume your branch follows the standard schedule.

The best way to plan your visit is to check your branch's hours on the Bank of America website or call ahead. If you're traveling or visiting a different area, you can search for nearby branches and their hours before you go. This prevents a wasted trip if the branch you planned to visit is closed or has different hours than you expected.

What to Do If You Need Help When Your Branch Is Closed

If you need banking services outside branch hours, your options depend on what you need. For account questions, transfers, bill pay, or card issues, call customer service at 24/7. For urgent matters like a lost card, you can report it over the phone and request a replacement. For check deposits, use mobile deposit through the app if you have a smartphone.

If you need a cashier's check, wire transfer, or other services that require a banker's help, you'll have to wait until the branch reopens. Some of these services can be started online or over the phone, but they may still require a branch visit to complete. If you're in a time crunch, call customer service to ask whether your specific need can be handled remotely or if you must visit in person.

Finding Your Nearest Bank of America Branch

To find a Bank of America branch near you, visit bankofamerica.com and click "Locations." Enter your zip code, city, or address, and the website will show all nearby branches with their hours, phone numbers, and services offered. Some branches are full-service locations with all banking services, while others are smaller and may not offer everything.

The location page also shows which branches have a Safe Deposit Box area, which ones have a drive-through, and which ones have extended hours. If you need a specific service — like opening a business account or meeting with a financial advisor — you can filter by service type to find branches that offer it. Calling ahead is still a good idea, especially for specialized services.

Frequently Asked Questions

Can I use my Bank of America debit card at other banks' ATMs when my branch is closed?

Yes. Bank of America debit cards work at ATMs in the Allpoint network, which includes over 55,000 ATMs worldwide. You can also use your card at most other banks' ATMs, though you may be charged a fee by that bank. Check the Bank of America website to find surcharge-free ATMs near you.

What if I need to deposit a check and my branch is closed?

Use mobile check deposit through the Bank of America app if you have a smartphone. Take a photo of the front and back of the check, and the deposit posts within one business day. Some Bank of America ATMs also accept envelope deposits. If neither option works, you'll have to wait until the branch reopens.

Does Bank of America have different hours on the day before a holiday?

Some branches may close early on the day before a major holiday, but this is not consistent across all locations. Check your specific branch's hours on the website or call ahead if you're planning to visit the day before a holiday. It's safer to assume the branch might have reduced hours and plan accordingly.

Can I open a new account when the branch is closed?

You can start the process online through the Bank of America website or mobile app, but you may need to visit a branch to complete it. Some account types can be opened entirely online, while others require a banker to verify your identity in person. Call customer service or check the website to see which accounts can be opened without a branch visit.

What happens if I try to use online banking during maintenance?

Bank of America performs system maintenance on some nights and weekends, during which online banking and the mobile app may be temporarily unavailable. These windows are usually brief — typically a few hours — and the bank tries to schedule them during off-peak times. If you cannot access your account, wait a few minutes and try again, or call customer service to confirm whether maintenance is happening.