Bank of America closes all physical financial centers on standard federal reserve holidays. If you need cash, a teller window, or safe deposit box access, you'll need to work around these official closure dates. ATMs, mobile banking apps, and online banking platforms remain fully operational 24/7, but transaction processing times shift depending on when holidays fall during the business week.
Knowing the exact timeline helps you avoid unexpected overdrafts, delayed bill payments, or stuck wire transfers. Here is how the annual calendar breaks down, alongside practical steps to manage your money when brick-and-mortar doors stay locked.
Complete Bank of America Holiday Closure List
Bank of America follows the official schedule set by the Federal Reserve. When a holiday lands on a weekday, standard banking operations pause for that day.
- New Year's Day: January 1
- Martin Luther King Jr. Day: Third Monday in January
- Presidents' Day: Third Monday in February
- Memorial Day: Last Monday in May
- Juneteenth National Independence Day: June 19
- Independence Day: July 4
- Labor Day: First Monday in September
- Columbus Day / Indigenous Peoples' Day: Second Monday in October
- Veterans Day: November 11
- Thanksgiving Day: Fourth Thursday in November
- Christmas Day: December 25
If a holiday falls on a Saturday, the Federal Reserve system usually observes it on the preceding Friday, while Sunday holidays push observances to the following Monday. Always check local branch notices, as some physical branches may close early on Christmas Eve or New Year's Eve.
How Holidays Impact Transactions and Transfers
Even though you can tap your screen or log into your laptop on a holiday, transactions don't always move at the same speed. The Automated Clearing House (ACH) network and wire transfer systems do not process standard payments on federal holidays.
ACH Transfers and Direct Deposits
If your payday or an automatic bill payment lands on a bank holiday, the transaction typically processes on the next immediate business day. For example, if your mortgage payment is due on a Monday holiday, the funds generally leave your account on Tuesday, though you should always verify with your biller to avoid late fee triggers. Paychecks scheduled for deposit on a holiday often clear a day early, but payroll providers vary, so planning ahead prevents cash flow crunches.
Wire Transfers
Domestic and international wire requests submitted after business hours on the eve of a holiday—or during the holiday itself—will not execute until the next operational business day. If you are closing on a real estate property or need to move large sums of money quickly, initiate your wire instructions at least 24 to 48 hours before a holiday closure.
Smart Strategies for Banking Around Closures
Proactive money management keeps minor scheduling hurdles from turning into major headaches. Follow these steps to stay ahead of the calendar:
- Audit your upcoming bills: Review your monthly statements for any recurring automatic payments scheduled to hit during a holiday week.
- Keep a cash buffer: ATMs are open, but if you prefer physical cash from a teller or need coin rolls for a small business, grab them two days prior to the holiday weekend.
- Leverage digital tools: Use the Bank of America mobile app to deposit checks remotely via camera, check pending balances, or transfer money between internal accounts instantly.
- Note regional variations: Inclement weather or local celebrations can occasionally cause unexpected branch closures. Check the official Bank of America Financial Center Locator before driving out.
Common Mistakes to Avoid
Many account holders assume digital banking means total immunity to holiday delays. Watch out for these pitfalls:
- Submitting check deposits on a holiday evening and expecting them to clear instantly the next morning. Holiday processing queues create backlogs.
- Forgetting that investment accounts, stock trades, and brokerages also observe federal holiday schedules, which delays settlement dates.
- Assuming customer service phone lines operate at full capacity; automated systems handle most calls on major holidays, and live representative availability shrinks.
Frequently Asked Questions
Are Bank of America drive-thru lanes open on holidays?
No. If the physical financial center is closed for a federal holiday, the drive-thru lanes are also closed. ATMs located outside the branch remain accessible.
Do Zelle transfers work on bank holidays?
Yes. Peer-to-peer payments via Zelle generally move immediately between enrolled bank accounts even on weekends and holidays, provided both users' financial institutions support the service and the transfer doesn't trigger a security review.
What happens if a check is deposited on Thanksgiving?
A check deposited digitally on a holiday will begin processing on the next standard business day (Friday), meaning funds availability may take an extra day or two compared to regular weekday deposits.
Are customer service phone lines available on holidays?
Automated account information is available 24/7, but speaking with a live customer service specialist may be limited or unavailable depending on the specific holiday, such as Christmas Day or Thanksgiving.
