Bank of America closes on Veterans Day

Bank of America branches are closed on Veterans Day (November 11). If November 11 falls on a weekend, the bank observes the holiday on the nearest weekday — usually the Friday before if the 11th is a Saturday, or the Monday after if it's a Sunday. ATMs and online banking remain available 24/7, so you can still check balances, transfer money, and pay bills from home.

The closure affects in-person services only: teller transactions, loan applications, safe deposit box access, and speaking with a banker. If you need to deposit a check or withdraw cash, plan ahead. Mobile check deposit through the Bank of America app works on the holiday, so you can photograph and submit checks remotely.

Wire transfers initiated online before the holiday will process on the next business day. ACH transfers and bill payments scheduled through online banking also process normally, though they may post a day later depending on when you submit them.

Key Takeaways

  • Bank of America branches close on Veterans Day (November 11), or the nearest weekday if the 11th falls on a weekend.
  • ATMs, online banking, and the mobile app work around the clock on Veterans Day, so you can transfer money and check balances without visiting a branch.
  • Mobile check deposit through the app lets you submit checks on the holiday itself, even though the branch is closed.
  • Wire transfers and bill payments scheduled online before the holiday will process on the next business day.

What you can and cannot do on Veterans Day

You can handle most routine money movement without a branch. Transfers between your own Bank of America accounts, payments to other banks via ACH, and bill payments all work through online banking or the app. You can also deposit checks remotely using mobile deposit, receive direct deposits, and withdraw cash from any Bank of America ATM.

You cannot visit a teller, open a new account in person, access a safe deposit box, or speak with a loan officer. If you need a cashier's check or a certified statement of your account, you will have to wait until the branch reopens. Some of these services may be available through phone banking — call the number on the back of your card to ask.

If you use a Bank of America ATM, you will not be charged a fee on Veterans Day or any other day. If you use an out-of-network ATM, Bank of America charges a $3 out-of-network fee, and the ATM operator may charge an additional fee.

Planning ahead for Veterans Day transactions

If you know you will need cash or a service that requires a teller, withdraw money or handle it the business day before. Most people do not realize they need something until the branch is closed, so check your schedule now.

If you have a wire transfer to send, initiate it online before the holiday closes. Wires sent after the branch closes will be queued and sent the next business day. The receiving bank will get the money on the next business day as well, unless the receiving bank is also closed.

Bill payments and ACH transfers scheduled through online banking will process on time even if you schedule them on Veterans Day. The bank's systems process these automatically. However, if the receiving institution is also closed on Veterans Day, the money may not post to that account until the next day.

How to reach Bank of America on Veterans Day

Phone banking is available 24/7. Call the number on the back of your debit or credit card, or call 1-800-BANK-OF-A (1-800-226-5628) to reach customer service. You can ask about account balances, recent transactions, card replacement, fraud reporting, and some account changes. Phone representatives cannot process wire transfers or open new accounts, but they can answer questions about your existing accounts.

The Bank of America website and mobile app are always open. You can log in to check balances, view transactions, transfer money, pay bills, deposit checks, and manage your cards. If you forget your password, you can reset it online without calling.

When your branch reopens after Veterans Day

If Veterans Day falls on a weekday (Monday through Friday), your branch reopens the next day. If November 11 is a Saturday, the bank observes the holiday on Friday, November 10, and reopens Saturday morning at its normal weekend hours. If November 11 is a Sunday, the bank observes the holiday on Monday, November 12, and reopens Tuesday at normal hours.

Check your branch's specific hours on the Bank of America website or by calling your local branch directly. Some branches have different hours than others, and some may have reduced hours on certain days.

Other Bank of America holidays

Bank of America closes on New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. The bank also closes on Good Friday in some locations. ATMs and online banking remain open on all these days.

If a federal holiday falls on a Saturday, the bank usually observes it on Friday. If it falls on a Sunday, the bank usually observes it on Monday. Check the Bank of America website for the current year's holiday schedule.

Frequently Asked Questions

Can I use my Bank of America debit card on Veterans Day?

Yes. Your debit card works at any merchant, ATM, or online store on Veterans Day. The bank's branch is closed, but your card and account are active. Purchases and ATM withdrawals process normally.

Will my direct deposit arrive on Veterans Day?

If your employer sends the direct deposit before Veterans Day, it will post to your account on the holiday. If your employer sends it on Veterans Day, it will post the next business day. Most employers send payroll the day before payday, so your deposit usually arrives on schedule.

What if I need to report fraud on Veterans Day?

Call 1-800-BANK-OF-A (1-800-226-5628) to report fraud 24/7, including on Veterans Day. Phone representatives can freeze your card, dispute unauthorized transactions, and issue a replacement card. You do not have to wait for the branch to reopen.

Can I deposit a check at an ATM on Veterans Day?

Most Bank of America ATMs do not accept check deposits. Use mobile check deposit through the app instead — photograph the front and back of the check and submit it. The check will post to your account the next business day, just as it would at an ATM.

Do I need to do anything special to use online banking on Veterans Day?

No. Log in as usual. Your username, password, and two-factor authentication work the same way. All online services — transfers, bill pay, balance inquiries, and card management — are available around the clock.