Bank of America is typically open Monday through Friday from 9:00 AM to 5:00 PM, with Saturday hours available at most locations. As the second-largest bank in the U.S. with approximately 3,800 financial centers, hours can vary significantly by location and region.
Standard Bank of America Hours
Bank of America calls its branches “financial centers,” and most follow a fairly consistent schedule. However, you’ll find more variation in Bank of America hours than at some competitors, particularly for Saturday service.
| Day | Typical Hours | Notes |
|---|---|---|
| Monday | 9:00 AM – 5:00 PM | Some locations 10 AM – 4 PM |
| Tuesday | 9:00 AM – 5:00 PM | Standard banking day |
| Wednesday | 9:00 AM – 5:00 PM | Standard banking day |
| Thursday | 9:00 AM – 5:00 PM | Standard banking day |
| Friday | 9:00 AM – 5:00 PM | Some open until 6:00 PM |
| Saturday | 9:00 AM – 1:00 PM | Varies widely; some closed |
| Sunday | Closed | ATMs and online available 24/7 |
One thing to note about Bank of America: they’ve been consolidating branches in recent years, which means the remaining locations tend to be in higher-traffic areas with better hours. If your nearest branch closed, the one you’re directed to may actually have better service hours.
Bank of America Hours by Location Type
Bank of America operates several types of locations, each with different hours and services:
| Location Type | Typical Hours | Saturday | Services |
|---|---|---|---|
| Full-service financial center | 9 AM – 5 PM | 9 AM – 2 PM | All banking services |
| Express financial center | 10 AM – 4 PM | Limited or closed | Basic transactions |
| Drive-thru only | 8 AM – 5 PM | 9 AM – 1 PM | Teller, ATM |
| ATM-only location | 24/7 | 24/7 | ATM services only |
| Merrill Lynch office | 9 AM – 5 PM | Closed | Investment services |
Bank of America has been investing in “Advanced Centers” that feature more ATMs with expanded capabilities and fewer teller windows. These locations often have shorter lobby hours but better self-service options. If you just need basic transactions, these centers can actually be more convenient.
Bank of America Holiday Schedule 2025-2026
Bank of America observes all 11 federal bank holidays. On these days, branches are closed and no Fed wire transfers or ACH processing occurs—though ATMs, mobile banking, and online banking remain available. For daily status checks, see are banks open today.
2025 Bank of America Holiday Closures
| Holiday | Date | Day |
|---|---|---|
| New Year’s Day | January 1, 2025 | Wednesday |
| Martin Luther King Jr. Day | January 20, 2025 | Monday |
| Presidents Day | February 17, 2025 | Monday |
| Memorial Day | May 26, 2025 | Monday |
| Juneteenth | June 19, 2025 | Thursday |
| Independence Day | July 4, 2025 | Friday |
| Labor Day | September 1, 2025 | Monday |
| Columbus Day | October 13, 2025 | Monday |
| Veterans Day | November 11, 2025 | Tuesday |
| Thanksgiving Day | November 27, 2025 | Thursday |
| Christmas Day | December 25, 2025 | Thursday |
2026 Bank of America Holiday Closures
| Holiday | Date | Day |
|---|---|---|
| New Year’s Day | January 1, 2026 | Thursday |
| Martin Luther King Jr. Day | January 19, 2026 | Monday |
| Presidents Day | February 16, 2026 | Monday |
| Memorial Day | May 25, 2026 | Monday |
| Juneteenth | June 19, 2026 | Friday |
| Independence Day (observed) | July 3, 2026 | Friday |
| Labor Day | September 7, 2026 | Monday |
| Columbus Day | October 12, 2026 | Monday |
| Veterans Day | November 11, 2026 | Wednesday |
| Thanksgiving Day | November 26, 2026 | Thursday |
| Christmas Day | December 25, 2026 | Friday |
Like most banks, Bank of America typically closes early (around 2:00–3:00 PM) on Christmas Eve and New Year’s Eve. The day after Thanksgiving is a regular business day, though individual branches may adjust hours. For specific holiday information, see our guides on MLK Day, Presidents Day, Columbus Day, and Veterans Day.
Bank of America 24/7 Banking Options
Bank of America offers comprehensive digital banking that handles most transactions without requiring a branch visit:
| Service | Availability | What You Can Do |
|---|---|---|
| BofA ATMs | 24/7 | Cash withdrawal, deposits, transfers, bill pay |
| Mobile Banking App | 24/7 | Mobile deposit, Zelle, transfers, bill pay |
| Online Banking | 24/7 | Full account management, wire transfers |
| Erica (AI Assistant) | 24/7 | Account questions, spending insights |
| Phone Banking | 24/7 | Automated services available anytime |
Bank of America operates approximately 15,000 ATMs across the U.S. Many of their newer ATMs allow cash and check deposits, cardless transactions (using your phone), and even video chat with a specialist during business hours. These “Advanced ATMs” can handle most teller transactions.
Bank of America Phone Support Hours
| Service Type | Hours |
|---|---|
| Automated phone banking | 24/7 |
| General customer service | 8 AM – 11 PM ET Mon-Fri, 8 AM – 8 PM ET Sat-Sun |
| Credit card support | 24/7 |
| Small business banking | 8 AM – 8 PM ET Mon-Fri |
| Fraud hotline | 24/7 |
Bank of America’s human phone support isn’t quite 24/7 for all services, but their automated system and the Erica AI assistant can handle most routine inquiries any time.
How to Find Bank of America Hours Near You
Since hours vary significantly by location, always verify before visiting:
Method 1: Bank of America Locator
- Visit bankofamerica.com/locatorsearch
- Enter your address, ZIP code, or city
- Click on any location to see hours and services
- Filter by services you need (safe deposit, notary, etc.)
Method 2: Bank of America Mobile App
- Open the Bank of America app
- Tap “Locations” at the bottom
- View nearby branches and ATMs with hours
- See which services are available at each location
Method 3: Call Ahead
- Use the locator to find your branch’s direct number
- Ask about current hours (especially for weekends/holidays)
- Confirm specific services are available
Bank of America’s locator is particularly useful because it shows which services are available at each location. Not all financial centers offer every service, so checking ahead can save wasted trips.
What Services Require a Branch Visit?
Many banking tasks can be completed through Bank of America’s digital channels, but some still require an in-person visit:
| Requires Branch Visit | Can Be Done Online/ATM |
|---|---|
| Safe deposit box access | Cash/check deposits |
| Notary services | Account-to-account transfers |
| Large cash transactions ($10,000+) | Bill payments |
| Medallion signature guarantee | Mobile check deposit |
| Wire transfers (some) | Zelle transfers |
| Opening certain accounts | Account statements |
| Disputes requiring documentation | Address changes |
| Foreign currency exchange | Card replacement requests |
Bank of America’s advanced ATMs have reduced the need for teller visits significantly. You can deposit cash and checks, make payments, and even schedule appointments—all from the ATM screen.
Bank of America Drive-Thru Hours
Where available, Bank of America drive-thru service typically offers extended hours:
| Service | Typical Drive-Thru Hours |
|---|---|
| Drive-thru teller | 8:00 AM – 5:00 PM Mon-Fri |
| Drive-thru ATM | 24/7 |
| Saturday teller | 9:00 AM – 1:00 PM |
| Sunday | Closed (ATM only) |
Not all Bank of America locations have drive-thru service—it’s more common in suburban locations than urban ones. The locator tool shows which branches offer drive-thru.
Best Times to Visit Bank of America
Based on typical traffic patterns, here’s when you’ll experience the shortest waits:
| Best Times | Worst Times |
|---|---|
| Tuesday–Thursday, mid-morning | Monday (especially morning) |
| Early afternoon (2–3 PM) | Friday afternoon |
| Mid-month | First week of month |
| Any weekday after the 10th | Last few days of month |
The beginning and end of each month are busy at all banks because of rent payments, payroll, and bill due dates. If you can schedule your branch visits for mid-month, you’ll typically face shorter lines.
Preferred Rewards Members: Special Access
Bank of America Preferred Rewards members get some advantages when it comes to service access:
| Tier | Benefit |
|---|---|
| Gold ($20K+) | Priority customer service line |
| Platinum ($50K+) | Dedicated support team |
| Platinum Honors ($100K+) | Dedicated advisor, priority everything |
If you have significant balances with Bank of America or Merrill, the Preferred Rewards program includes benefits like waived fees, better rates, and priority phone support that can reduce your need for branch visits.
Key Takeaways
| Question | Answer |
|---|---|
| What are Bank of America’s standard hours? | 9 AM – 5 PM Mon-Fri, 9 AM – 1 PM Sat |
| Is BofA open on Sunday? | No, but ATMs and online banking available |
| Are Bank of America ATMs 24/7? | Yes |
| When is Bank of America closed? | All 11 federal bank holidays |
| Best time to visit? | Tuesday–Thursday, mid-morning |
Bottom line: Bank of America’s hours are fairly standard for a major bank, with the typical 9-5 weekday schedule and limited Saturday hours. Their investment in digital banking and advanced ATMs means you can handle most transactions without visiting a branch—which is convenient because their branch count has been declining in recent years.