Bank of America is closed on New Year's Day but open on New Year's Eve

Bank of America branches are open on New Year's Eve (December 31st) during their normal business hours, which are typically 9 a.m. to 5 p.m. Monday through Friday. However, the bank is closed on New Year's Day (January 1st), so you cannot visit a branch, use the ATM inside the building, or reach customer service by phone that day. If you need to handle banking on the holiday itself, you will need to use an ATM outside the branch or mobile banking.

The exact closing time on New Year's Eve varies by location. Some branches close at 4 p.m. or earlier, so call your specific branch before you go. Bank of America's customer service phone line is also closed on New Year's Day, though you can still use online banking, the mobile app, and ATMs.

Key Takeaways

  • Bank of America branches close on New Year's Day (January 1st) but operate on New Year's Eve (December 31st) during regular hours, though some locations may close early.
  • Call your local branch directly to confirm closing time on New Year's Eve, as hours vary by location.
  • You can use ATMs, mobile banking, and online banking on New Year's Day when branches are closed.
  • Customer service phone lines are closed on New Year's Day, but you can reach support through the mobile app or online chat when the bank reopens.
  • If you need to make a payment or transfer money on New Year's Day, use online banking or the mobile app to avoid delays.

What you can do on New Year's Day when branches are closed

Bank of America's online banking platform and mobile app remain open 24/7, even on holidays. You can transfer money between your own accounts, pay bills, deposit checks using mobile check deposit, and send money to other people through Zelle or Bank of America's transfer service. These transactions process immediately or within one business day depending on the type of transfer.

ATMs work on New Year's Day without restriction. You can withdraw cash, deposit checks, transfer money between accounts, and check your balance at any Bank of America ATM or at ATMs in the Allpoint network (which includes thousands of machines outside Bank of America locations). Deposits made at ATMs after business hours are typically posted the next business day.

Payments and transfers that might be delayed

If you send money to someone outside your bank on New Year's Day using online banking, the transfer may not reach their account until January 2nd or later. ACH transfers (the standard way to move money between different banks) typically take one to three business days, and the holiday extends that timeline. Wire transfers sent on New Year's Day may also be delayed if the receiving bank is closed.

Bill payments scheduled through online banking on New Year's Day will process, but the payment may not reach the biller until January 2nd or 3rd. If you have a bill due on January 1st, you should have submitted the payment before December 31st to avoid a late fee. Check your biller's payment deadline to see whether they count the holiday as an extra day.

How to find your local branch hours

Visit bankofamerica.com and use the branch locator tool. Enter your zip code or address, and the results will show your nearest branches with their holiday hours listed. You can also call Bank of America's main customer service line at 1-800-432-1000 before New Year's Eve to confirm your branch's closing time.

Some branches in shopping centers or downtown areas may have different hours than suburban locations. If you plan to visit on December 31st, call ahead rather than assuming standard hours apply.

What happens if you need cash on New Year's Day

Use an ATM. Bank of America ATMs are available 24/7 and do not close for holidays. You can withdraw up to your daily limit (which varies by account type but is often $500 to $1,000 per day). If you need more cash than your daily limit allows, withdraw what you can on December 31st and again on January 2nd.

If you do not have a Bank of America card or do not remember your PIN, you cannot use an ATM on New Year's Day. Plan ahead and withdraw cash before the holiday, or wait until January 2nd when you can visit a branch and speak to a teller.

Payments due on or around New Year's Day

If you have a credit card payment, loan payment, or bill due on January 1st, submit it through online banking on December 31st or earlier. Do not wait until New Year's Day itself. Most billers and lenders count payments submitted through online banking as received on the day you submit them, even if the money does not actually move until the next business day.

If you miss a payment deadline because the bank was closed, contact your lender or biller and explain. Many companies waive late fees for payments delayed by one day due to a holiday, especially if you can show you submitted the payment before the deadline.

Frequently Asked Questions

Can I deposit a check on New Year's Day?

Yes, using mobile check deposit through the Bank of America app. Take a photo of the front and back of the check and submit it through the app. The check will be deposited into your account, though the funds may not be available until January 2nd. You can also deposit checks at an ATM if your account supports ATM deposits.

Will my direct deposit process on New Year's Day?

Direct deposits scheduled for January 1st may be delayed by one day because the banking system is closed. Your employer's payroll processor will attempt to send the deposit, but it may not post to your account until January 2nd. Contact your employer's payroll department if your direct deposit does not arrive by January 2nd.

What if I need to speak to someone on New Year's Day?

Customer service phone lines are closed on January 1st. However, you can use the chat feature in the Bank of America mobile app or website to message support, though response times may be slower. For urgent issues, wait until January 2nd when branches reopen and phone support resumes.

Do I need to do anything special to prepare for the holiday?

Withdraw cash on December 31st if you think you will need it on January 1st. Submit any bill payments or transfers due around the holiday before December 31st to avoid delays. If you have a time-sensitive transaction, handle it before the holiday rather than waiting.