You've probably been there. It’s 4:45 PM on a Tuesday, you’re rushing through traffic with a cashier's check that needs depositing, and you’re desperately wondering what are the bank of america hours today. You get there, and the doors are already locked. Or maybe you assume they’re open on a Saturday morning, only to find a dark lobby and a "Closed" sign.
Honestly, banking hours are a bit of a moving target these days. While we all wish every branch operated on a simple 9-to-5 schedule, the reality is way more fragmented. Bank of America, being one of the "Big Four," has thousands of locations, but they don't all follow the same playbook.
The Standard Weekday Grind
For the vast majority of Bank of America financial centers, the "normal" schedule is Monday through Friday, 9:00 AM to 5:00 PM.
If you’re in a sleepy suburb, this is almost certainly what you’ll find. However, if you are in a dense metropolitan area—think midtown Manhattan or downtown Chicago—some branches might crack their doors open at 8:30 AM or stay open until 6:00 PM to accommodate the commuter crowd.
Don't bet your afternoon on it, though.
A lot of people get frustrated because "Banker's Hours" used to mean closing at 3:00 PM. We've moved past that, but the 5:00 PM cutoff is still a hard wall for many. If you arrive at 5:01 PM, the security guard likely won't let you in, even if you just need "one quick thing."
Drive-Thru vs. Lobby Times
Here is a nuance people often miss: the drive-thru and the lobby are not always in sync.
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In many suburban or rural locations, the drive-thru window opens at 8:00 AM or 8:30 AM, giving you a head start before the lobby opens. Conversely, some drive-thrus stay open until 5:30 PM or 6:00 PM while the lobby staff goes home.
If you just need to drop off a deposit or grab some cash with a human teller's help, check the drive-thru lane first. It’s often the "secret" to banking when the front doors are locked.
Does Bank of America Open on Weekends?
This is where things get kinda messy.
Most Bank of America branches are closed on Sundays. Period. If you find one open on a Sunday, you’ve likely found a rare "Express" or "Advanced Center" in a high-traffic mall or airport, but don't count on it for standard services.
Saturdays are a different story.
A significant number of branches offer Saturday hours, typically from 9:00 AM to 1:00 PM or 2:00 PM.
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- Not every branch does this.
- The ones that do usually have a skeleton crew.
- Wait times are almost always longer on Saturdays.
If you’re planning a Saturday visit, use the official Bank of America locator. It’s the only way to be 100% sure before you burn gas.
2026 Holiday Schedule: When the Lights Go Out
Banks are notorious for their holidays. Since Bank of America follows the Federal Reserve schedule, they observe all federal holidays. If the post office is closed, the bank is probably closed too.
For 2026, keep these specific dates in your calendar so you don't get stranded:
- New Year’s Day: Thursday, January 1
- Martin Luther King Jr. Day: Monday, January 19
- Presidents' Day: Monday, February 16
- Memorial Day: Monday, May 25
- Juneteenth: Friday, June 19
- Independence Day (Observed): Friday, July 3
- Labor Day: Monday, September 7
- Columbus Day / Indigenous Peoples' Day: Monday, October 12
- Veterans Day: Wednesday, November 11
- Thanksgiving Day: Thursday, November 26
- Christmas Day: Friday, December 25
A quick tip: If a holiday falls on a Sunday, the bank usually closes on the following Monday. In 2026, Independence Day (July 4) falls on a Saturday, which is why the "observed" holiday is Friday, July 3. This means the bank will be closed that Friday.
The 24/7 Workarounds
Let's be real—most of us don't actually need a person.
If you're asking about what are the bank of america hours because you need to deposit a check or move money, the physical building is basically irrelevant now.
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ATMs are 24/7.
Most BofA ATMs now take "stacks" of cash or checks without an envelope. If you're doing this at 2:00 AM on a Sunday, just know the money might not "post" to your available balance until the next business day (usually Monday morning).
The Mobile App is your best friend.
You can deposit checks up to a certain limit (often $10,000 to $50,000 depending on your account tier) just by taking a photo. You can also lock a lost debit card or order replacement checks at 3:00 AM while sitting in your pajamas.
Advanced Centers.
Bank of America has been rolling out "Advanced Centers." These are weird, futuristic spots with no tellers—just ATMs and rooms where you can video conference with a banker. These often have extended hours, sometimes even on weekends, because the person you're talking to might be in a different time zone.
What Most People Get Wrong About "Cutoff Times"
Just because a bank is open until 5:00 PM doesn't mean your transaction "counts" for today.
This is a huge pain point. If you walk into a branch at 4:55 PM on a Friday and deposit a check, it might not technically process until Monday.
Most banks have a "cutoff time"—usually around 2:00 PM or 3:00 PM—for certain types of business like wire transfers or large commercial deposits. If you miss that window, your money is essentially in limbo over the weekend. Always ask the teller, "Will this post today?" if you're in a time crunch.
Practical Steps for Your Next Visit
If you absolutely must go in person, do these three things to save yourself a headache:
- Schedule an Appointment: You can do this through the app. It’s a game-changer. If you have an appointment for a notary or a new account at 10:00 AM, you get to skip the line of people waiting for a teller.
- Check the "Last Collected" Time on the ATM: If the branch is closed and you're using the outdoor ATM, there’s usually a sticker that says when the checks are collected. If it’s past that time, your deposit won't be looked at until the next day.
- Verify via the App, not Google Maps: Google is great, but it sometimes lags on holiday hours or temporary branch closures. The Bank of America mobile app uses their internal live data. It's much more reliable for real-time status.
Banking hasn't been a "9-to-5" industry for a long time, but the physical branches still cling to those roots. Plan your week around that 5:00 PM wall, and use the digital tools for everything else.