Bank of America does not announce permanent branch closures on the day they happen
If you are trying to find out whether your specific Bank of America branch is closing today, you will not find that information from a same-day announcement. Bank of America typically notifies customers in writing 30 to 60 days before a branch closure, and the bank publishes a list of branches scheduled to close on its website. The announcement comes before the closure date, not on it.
If your branch is not on that published list, it is open today. If you are concerned about a specific location, you can call that branch directly or check the Bank of America branch locator tool online to see its current status and hours.
Key Takeaways
- Bank of America publishes a list of branches scheduled to close weeks or months in advance, not on the day of closure.
- You can search for your branch on the Bank of America website using the branch locator tool to confirm it is still operating.
- If you receive a closure notice by mail, you have 30 to 60 days to move your accounts or make other arrangements.
- Closing a branch does not close your account—your money and account access remain active at other locations and online.
How to learn about your branch is closing
Go to the Bank of America website and use the branch locator tool. Enter your zip code or address to see all nearby branches, their hours, and their status. If your branch appears in the results with current hours listed, it is open. If it does not appear, or if it shows a closure date, that information will be displayed there.
You can also call your branch directly. The phone number is listed in your statements, on your debit card, or in the branch locator. Ask whether the branch is scheduled to close. Bank of America staff can tell you the exact closure date if one exists.
What happens when Bank of America closes a branch
When Bank of America closes a branch, the bank sends a written notice to all customers with accounts at that location. This notice arrives 30 to 60 days before the closure date. The notice includes the closure date and information about other nearby branches where you can conduct business.
Your account does not close when the branch closes. You can continue to use your debit card, access online banking, use ATMs, and visit any other Bank of America branch. If you have a safe deposit box at the closing branch, the bank will contact you separately with instructions for retrieving your items before the closure date.
What to do if you received a closure notice
If you received a letter saying your branch is closing, read the closure date carefully. You have until that date to move your accounts to another branch, withdraw cash, or make other arrangements. Most customers do not need to do anything—your account will simply be serviced from another location.
If you have a safe deposit box, a mortgage, or business banking services, contact your branch before the closure date. These services may require you to visit in person or sign paperwork to transfer to a new location. The closure notice will include a phone number to call if you have questions about your specific accounts.
Finding a new branch if yours is closing
Use the Bank of America branch locator to find other locations near your home, work, or regular travel routes. Most areas have multiple branches. You can also look for Bank of America ATMs, which are available at many locations and allow you to withdraw cash, deposit checks, and transfer money without visiting a branch.
If you prefer to bank online or by phone, you do not need to visit a branch at all. Bank of America offers full account management through its website and mobile app, including bill pay, transfers, and customer service by phone.
Why Bank of America closes branches
Banks close branches when customer traffic declines, often because more people are banking online or using ATMs instead of visiting in person. Closing a branch reduces the bank's operating costs. The decision to close a branch is made months in advance, not suddenly or on a specific day.
Branch closures have been common across the banking industry since 2020, as digital banking has grown. Bank of America has closed hundreds of branches over the past several years, but it continues to operate thousands of locations nationwide.
Frequently Asked Questions
Will my account close if my branch closes?
No. Your account remains active and accessible at any Bank of America branch, through ATMs, online banking, and by phone. Closing a physical location does not affect your account status or your ability to access your money.
What if I have a safe deposit box at a closing branch?
Bank of America will contact you by mail with instructions to retrieve your items before the closure date. You must visit the branch or contact the bank to arrange access. Do not wait until the last day—contact the branch as soon as you receive the closure notice.
Can I move my account to a different bank before my branch closes?
Yes. You can open an account at any other bank at any time. If you want to close your Bank of America account, visit any branch, call customer service, or use online banking. You will need to transfer any automatic payments or direct deposits to your new account.
How do I know if Bank of America is closing all its branches?
Bank of America is not closing all branches. The bank continues to operate thousands of locations. Individual branches close based on local customer demand, but the bank remains open for business nationwide. Check the branch locator to find locations near you.