Bank of America financial centers are open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00–2:00 PM at most locations — branches are closed on Sundays and all 11 federal bank holidays. Bank of America is the second-largest bank in America with approximately 3,800 branches, and hours vary enough by location that checking the branch locator before visiting is always worth the 30 seconds it takes. ATMs and digital banking are available 24/7 regardless of branch hours.
Standard Bank of America Hours
Most Bank of America branches follow a consistent weekday schedule, with Saturday hours available at the majority of locations. The variation comes primarily from branch type — full-service financial centers run longer hours than express locations.
| Day | Typical Hours | Notes |
|---|---|---|
| Monday | 9:00 AM – 5:00 PM | Some express locations open at 10:00 AM |
| 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 high-traffic locations open until 6:00 PM |
| Saturday | 9:00 AM – 1:00 PM | Varies; some locations close at 2:00–4:00 PM, some closed |
| Sunday | Closed | ATMs and online banking available 24/7 |
Bank of America has been consolidating its branch network in recent years, which means the remaining locations tend to be in higher-traffic areas with better service hours and more staff. If a branch near you has closed, the nearest alternative is often a full-service center with more complete hours than the one it replaced. For questions about whether a specific branch is open on a given day, are banks open today covers real-time federal holiday status.
Hours by Location Type
Bank of America operates several branch formats, each with different hours and available services.
| Location Type | Typical Weekday Hours | Saturday | Services Available |
|---|---|---|---|
| Full-service financial center | 9:00 AM – 5:00 PM | 9:00 AM – 2:00 PM | All banking services |
| Express financial center | 10:00 AM – 4:00 PM | Limited or closed | Basic transactions |
| Advanced Center (ATM-heavy) | Lobby varies | Varies | ATM + video specialist |
| Drive-thru lane | 8:00 AM – 5:00 PM | 9:00 AM – 1:00 PM | Teller, ATM |
| ATM-only location | 24/7 | 24/7 | ATM services only |
| Merrill Lynch office | 9:00 AM – 5:00 PM | Closed | Investment services |
BofA’s “Advanced Centers” feature expanded ATMs with cash and check deposit, cardless access via phone, and video chat with a specialist during business hours. These locations often have shorter lobby hours but handle most teller-level transactions via ATM, making them more convenient for routine banking than the lobby wait time suggests. Drive-thru lanes are more common at suburban branches and are typically the first location to open each day.
Bank of America Holiday Schedule 2026
Bank of America is closed on all 11 federal bank holidays. Wire transfers and ACH processing also pause on these days, though ATMs, mobile deposit, and online bill pay remain available.
| Holiday | 2026 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 |
BofA typically closes early — around 2:00–3:00 PM — on Christmas Eve (December 24) and New Year’s Eve (December 31), though this is not guaranteed at every location. The day after Thanksgiving is a regular business day at Bank of America, although some branches may have reduced staffing. For specific holidays, see our guides on MLK Day banking hours, Presidents Day, Columbus Day, Veterans Day, and the day after Thanksgiving. For the full 2026 federal bank holiday calendar, see bank holiday schedule.
24/7 Banking Options
The vast majority of routine banking can be completed outside branch hours through Bank of America’s digital channels and ATM network.
| Service | Availability | What You Can Do |
|---|---|---|
| BofA ATMs (15,000+ nationwide) | 24/7 | Cash withdrawal, check/cash deposit, transfers, bill pay |
| Mobile Banking App | 24/7 | Mobile deposit, Zelle, transfers, bill pay, account alerts |
| Online Banking | 24/7 | Full account management, wire transfers, statements |
| Erica (AI assistant) | 24/7 | Account questions, spending insights, dispute initiation |
| Automated phone banking | 24/7 | Balance checks, transaction history, basic transfers |
| Live phone support | Mon–Fri 8 AM–11 PM ET; Sat–Sun 8 AM–8 PM ET | Complex account questions, disputes |
Zelle limits at Bank of America allow up to $3,500 per day for most customers — useful for person-to-person payments outside branch hours. Bank of America mobile deposit limit is $5,000 per day for standard accounts, with the first $225 available the same business day. For larger transactions or anything requiring a notary or medallion signature guarantee, a branch visit during business hours is necessary.
What Requires a Branch Visit
Bank of America’s advanced ATMs and digital channels handle most everyday banking, but some transactions still require an in-person visit.
| Requires Branch Visit | Available Online or at ATM |
|---|---|
| Safe deposit box access | Cash and check deposits |
| Notary services | Account-to-account transfers |
| Medallion signature guarantee | Bill payments |
| Large cash transactions ($10,000+) | Mobile check deposit |
| Foreign currency exchange | Zelle transfers |
| Opening certain account types | Card replacement requests |
| Disputes requiring documentation | Address and contact updates |
The $10,000 cash transaction threshold is worth noting not just as a logistics issue but as a regulatory one — any cash transaction of $10,000 or more triggers a Currency Transaction Report (CTR) filing with FinCEN, which bank tellers process as part of the transaction. There’s nothing wrong with making large cash deposits; it simply requires a teller, not an ATM.
Phone Support Hours
For questions that can’t be resolved through the app or ATM, Bank of America phone support hours are:
| Service | Hours |
|---|---|
| General customer service (live agent) | Mon–Fri 8:00 AM – 11:00 PM ET; Sat–Sun 8:00 AM – 8:00 PM ET |
| Automated phone banking | 24/7 |
| Credit card support | 24/7 |
| Small business banking | Mon–Fri 8:00 AM – 8:00 PM ET |
| Fraud hotline | 24/7 |
The automated system handles balance checks, recent transaction history, and simple transfers at any hour. For complex issues — disputing a charge, requesting a credit limit increase, or asking about account terms — the live agent hours above apply. Preferred Rewards Platinum and Platinum Honors members have access to a dedicated support line with shorter wait times. For the full list of department numbers and tips on reaching a live agent, see the Bank of America customer service guide.
How to Find Bank of America Hours Near You
Hours vary enough by location that verifying before visiting is always the right move, especially on Saturdays or the day before a holiday.
- Branch locator: Go to bankofamerica.com and use the branch/ATM locator — enter your ZIP code, click any result, and see exact hours, services offered, and whether drive-thru is available
- Mobile app: Open the BofA app, tap “Locations,” and browse nearby branches with hours and service filters
- Call ahead: Use the locator to find your specific branch’s direct number, particularly useful for confirming Saturday hours or holiday closures
The locator is also useful for filtering by services — not every BofA branch offers safe deposit boxes, notary, or foreign currency exchange, so checking before driving over can save a wasted trip.
For a full overview of Bank of America accounts, fees, limits, and contact information, see the Bank of America complete guide.
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