Bank of America Hours: The Complete Guide

Most Bank of America financial centers open at 9:00 AM and close at 5:00 PM Monday through Thursday. On Fridays, many locations stay open an extra hour, closing at 6:00 PM. This Friday extension is one of BofA's practical differences from competitors like Chase (which typically closes at 5 PM every weekday). However, hours vary by branch — some urban financial centers open at 10:00 AM, and a few smaller locations close at 4:00 PM. Always confirm through the Bank of America locator at bankofamerica.com/locator.

It depends on the location — and this is where BofA differs most from Chase. While Chase opens most of its branches on Saturday, many Bank of America financial centers in urban downtowns are CLOSED on Saturday. Suburban locations are more likely to be open, typically 9:00 AM to 1:00 PM or 2:00 PM. This is the most important thing to check before visiting on a Saturday: use the BofA locator and filter by Saturday hours. Don't assume your usual weekday branch is open Saturday.

Almost never. The vast majority of Bank of America's ~3,800 financial centers are closed on Sundays. The BofA locator's Sunday filter returns very few results nationwide. For Sunday  banking, use Bank of America ATMs (15,000+ locations, available 24/7), the BofA Mobile Banking app, or bankofamerica.com for online banking.

Bank of America's mobile check deposit cutoff is 8:00 PM local time (based on the time zone where your account was opened). This is notably earlier than Chase's 11:00 PM ET cutoff. If you deposit a check at 8:15 PM, it won't begin processing until the next business day — shifting your entire funds availability timeline by a day. For accounts opened in ET or CT zones, the cutoff is 9:00 PM ET. For MT and PT zone accounts, it's 8:00 PM local time. Plan accordingly and don't deposit at 7:55 PM — upload time counts.

Bank of America closes on all 11 federal holidays: New Year's Day, MLK Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas Day. On Christmas Eve and New Year's Eve, most locations close early (around 2:00 PM). Bank of America follows the same holiday schedule as Chase — neither offers exceptions for Columbus Day or Presidents' Day (unlike TD Bank, which stays open on both).

Bank of America rebranded all its branches as "Financial Centers" to signal full-service capability. A Financial Center typically offers teller services, banker appointments, safe deposit boxes, notary services, and specialist consultations for mortgages and investments. Some locations are "express" — smaller offices with ATMs and limited staff, often without safe deposit boxes or specialists. The locator shows which services each location offers. If you need a specific service (notary, safe deposit, foreign currency), filter the locator by that service before visiting.

Yes, many suburban Bank of America locations have drive-through services, including either teller-staffed lanes or drive-through ATMs. Urban  financial centers in dense city cores (Manhattan, downtown Chicago, San Francisco) typically do not have drive-throughs. Where available, drive-through hours may differ from lobby hours — drive-through lanes sometimes open earlier and close later than the lobby. The BofA locator shows drive-through availability for each location.

Erica is Bank of America's AI virtual assistant, available 24/7 in the BofA Mobile Banking app. Nearly 50 million BofA customers use Erica, averaging over 58 million interactions per month. Erica can check balances, search transactions, send money via Zelle, lock and unlock your debit card, schedule branch appointments, track spending patterns, alert you to recurring charge increases, and connect you to a live specialist. After hours, Erica is often faster than calling customer service — and unlike the phone line, there's no hold time.

 Bank of America typically posts direct deposits between midnight and 6:00 AM on the scheduled pay date. The exact time depends on when your employer's payroll processor submits the ACH file. Like Chase, Bank of America does not offer early direct deposit — your funds arrive on the date your employer scheduled, not before. If your payday falls on a federal holiday, most employers advance the deposit to the Friday before.

The key differences: (1) BofA gives you an extra hour on Fridays (closing at 6 PM vs Chase's 5 PM at most locations). (2) BofA has worse Saturday availability — many urban financial centers are CLOSED Saturday, while most Chase branches are open. (3) Chase's mobile deposit cutoff is 11 PM ET vs BofA's 8 PM local time — a significant gap if you're depositing checks in the evening. (4) BofA has Erica (AI assistant); Chase has a comparable assistant but Erica is more established. (5) Chase has ~4,700 branches vs BofA's ~3,800, but BofA has more ATMs (15,000+).

Bank of America operates approximately 3,800 financial centers and over 15,000 ATMs across the United States. Unlike Chase, which is actively expanding (adding 160+ new branches in 2026), BofA has been consolidating its branch network — closing smaller, underperforming locations while investing in renovating and upgrading the remaining financial centers with improved technology, appointment systems, and specialist staffing.

When BofA financial centers are closed, you can: deposit checks via the mobile app (cutoff 8 PM local time); withdraw and deposit cash at any BofA ATM (15,000+ locations, 24/7); transfer money and pay bills through online  banking or the app; send money via Zelle; use Erica for account questions and transaction searches; lock or unlock your debit card; and report fraud 24/7 at 1-800-432-1000. Services that require a branch visit: cashier's checks, safe deposit boxes, notary, foreign currency exchange, and certain account openings.