Quick Answer
Mon – Thu
9 AM – 5 PM
Friday
9 AM – 6 PM
Extra hour
Saturday
9 AM – 1 PM
Many urban closed
Sunday
Closed
BofA operates ~3,800 financial centers across 36 states + D.C. Use the BofA Financial Center locator to confirm your branch's hours — especially Saturday, since urban/downtown locations are frequently closed on Saturdays.
🕑 Last verified: September 2026. Branch hours may vary — confirm with your location.
What Most “BofA Hours” Guides Get Wrong§
Most sites say “Bank of America is open 9–5 weekdays, 9–1 Saturday.” That's half the story. Bank of America is the second-largest consumer bank in the United States with approximately 3,800 financial centers across 36 states and over 16,000 ATMs. It serves roughly 69 million consumer and small business clients. But the generic “9 to 5” answer misses three things that actually affect whether you can get your banking done:
1. Friday Until 6 PM
Most BofA branches stay open until 6:00 PM on Friday. Chase typically closes at 5:00 PM, Wells Fargo at 5:00 PM, U.S. Bank at 5:00 PM. Only PNC matches BofA's Friday 6 PM close. That extra hour on the busiest banking day of the week is a real competitive advantage — it means you can leave work at 5 and still make it to the branch.
2. Urban Saturday Closures
A significant number of BofA branches in urban downtowns are closed Saturday. This is more common at BofA than at Chase or Wells Fargo. If your nearest branch is in a business district, there's a real chance it doesn't open Saturday at all. You may need to drive to a suburban branch for Saturday banking.
3. 8 PM Mobile Cutoff
BofA's mobile deposit cutoff is 8:00 PM local time — earlier than Chase (11 PM ET), Wells Fargo (9 PM PT), and PNC (10 PM ET). If you're depositing a check after dinner, BofA's window is tighter than competitors. Plan mobile deposits before 8 PM.
Saturday Hours: The Urban vs. Suburban Split§
BofA's Saturday availability depends heavily on branch location. Understanding the pattern saves you a wasted trip:
Suburban / Residential
Most reliable for Saturday. Typically 9 AM–1 PM (sometimes noon). Full teller service and often a banker available for appointments. These branches serve families and individuals who work weekdays and bank on Saturday — Saturday is their busiest day relative to weekdays. Drive-through lanes at suburban branches may extend 30 minutes past the 1 PM lobby close, giving you until 1:30 PM for deposits and withdrawals.
Urban / Downtown
Frequently closed Saturday. These branches serve weekday office workers. When offices empty on weekends, foot traffic drops 80%+. BofA has responded by closing many of these locations Saturday entirely. If your branch is in a downtown financial district or business park, check the locator before going Saturday.
University / College
Branches near universities often have Saturday hours during the academic year but may reduce or eliminate Saturday during summer and breaks. Hours may also shift during finals and registration periods. Check the locator seasonally if your branch is campus-adjacent.
Best Times to Visit
Saturday: Arrive by 9:15 AM. With reduced staffing (1–2 tellers) and a 1 PM close, the window is short. By 11 AM the line builds. Book banker appointments online in advance — walk-in Saturday availability is rare.
Best weekday times: Tuesday and Wednesday between 9:00 and 10:30 AM have the shortest waits. Monday mornings see weekend backlog. Friday afternoons 4–6 PM are heavy with the extended hours drawing end-of-week traffic.
Drive-through: Opens ~8:30 AM (30 minutes before lobby). On Saturday, may stay open until 1:30 PM. For deposits and withdrawals, the drive-through is consistently faster than the teller line inside.
Erica: BofA's AI Assistant (Available 24/7)§
Erica is Bank of America's AI-powered virtual assistant inside the mobile app, and it's one of the most advanced bank chatbots in the industry. Since launch, Erica has handled over 2 billion client interactions across 42 million users. It works 24/7 — weekends, holidays, 3 AM — and handles the kinds of questions that would otherwise require a phone call or branch visit. For BofA customers dealing with the urban Saturday closure problem, Erica is the primary workaround: it replaces many routine branch visits with instant in-app answers.
Why Erica matters for hours: When your downtown branch is closed Saturday and the nearest open suburban branch is a 20-minute drive, Erica eliminates the trip for most routine needs. Balance checks, transaction lookups, card locks, bill reminders, FICO scores, and spending analysis — all handled instantly in the app. The only tasks that still require a branch visit or phone call are disputes, wire transfers, account openings, and mortgage servicing.
What Erica Can Do
Balance & transactions: “What's my checking balance?” “Show me my Amazon purchases this month.” “How much did I spend on restaurants in July?”
Bill reminders: Proactive alerts before bills are due. Erica learns your recurring payments and flags upcoming charges.
FICO score: Check your credit score instantly, updated monthly, with trend analysis.
Card lock: Instantly lock or unlock your debit card. Lost your wallet at midnight? Lock the card through Erica without calling anyone.
Spending insights: Monthly spending reports broken down by category. “You spent 23% more on dining this month than last month.”
Navigation: “How do I set up direct deposit?” “Where do I find my routing number?” Erica walks you through the app rather than making you search.
What Erica Can't Do
Dispute charges: Erica can start the process but complex disputes require a human agent.
Wire transfers: Must be initiated through online banking or at a branch.
Account openings: New accounts require human verification.
Mortgage questions: Complex loan servicing goes to a specialist.
Anything requiring judgment: Fee reversals, exception handling, and negotiation still need a human.
Comparison: Chase has no equivalent AI assistant. Wells Fargo has basic chatbot functionality but nothing as deep as Erica. PNC and Huntington don't have AI assistants. In the AI banking space, BofA is genuinely ahead of competitors.
Preferred Rewards: How Your Balance Affects Your Experience§
Preferred Rewards is BofA's relationship program, and it's more generous than anything Chase, Wells Fargo, or PNC offers. The catch: you need significant combined balances across BofA and Merrill accounts to unlock the higher tiers.
| Tier | Balance | CC Bonus | Key Perks |
|---|---|---|---|
| Gold | $20K+ | +25% | No checking fee, savings rate boost |
| Platinum | $50K+ | +50% | + mortgage discount, free ATMs nationwide |
| Platinum Honors | $100K+ | +75% | + free wire transfers, priority support |
| Diamond | $1M+ | +75% | + dedicated advisor, premium rates |
| Diamond Honors | $10M+ | +75% | + private banking, concierge |
The credit card bonus is the killer feature. BofA's Customized Cash Rewards card earns 3% in a category of your choice (online shopping, dining, travel, drug stores, gas, home improvement), 2% on groceries and wholesale clubs, and 1% on everything else. At Platinum Honors (+75%), those rates become 5.25%, 3.5%, and 1.75%. No other bank offers credit card rewards that scale with your checking balance this aggressively. If you have $100K+ in combined balances and use a BofA credit card, Preferred Rewards pays for itself many times over.
How to qualify: Combined balances across BofA checking, savings, CDs, IRAs, and Merrill Edge investment accounts all count. A common strategy is to open a Merrill Edge self-directed brokerage account and transfer investments there — even index fund holdings count toward your Preferred Rewards balance. You don't need to move all your banking to BofA; you just need the balance threshold met across any combination of BofA and Merrill accounts. The tier is recalculated monthly based on your trailing 3-month average balance.
Comparison to competitors: Chase has no relationship program of comparable depth. Wells Fargo's Premier checking waives fees with $25K+ balances but doesn't boost credit card rewards. U.S. Bank's Smart Rewards offers tiered benefits but at lower magnitude. PNC's Performance Select has relationship pricing on loans but no credit card bonus multiplier. For customers with $50K+ in investable assets, Preferred Rewards is BofA's strongest argument for consolidating your financial life there.
Mobile Deposit, Wire Transfers & Direct Deposit§
Mobile Check Deposit
Cutoff: 8:00 PM in your local time zone.
Daily limit: $10,000 standard (higher for Preferred Rewards).
Availability: First $225 same business day (Reg CC).
Note: The 8 PM local cutoff is the earliest of the big 4. If you regularly deposit checks in the evening, Chase (11 PM ET) or Wells Fargo (9 PM PT) give you more time.
Wire Transfers
Domestic: Same-day if submitted before 4:00 PM ET. Available in-branch and through online banking.
International: 1–5 business days.
Incoming: Posted same day if received before Fedwire closes (~6 PM ET).
Fees: Domestic ~$30, international ~$45. Preferred Rewards Platinum Honors and above: free domestic wires.
Direct Deposit
Posting: Midnight–6 AM ET on the scheduled date.
Early deposit: Not widely offered.
Fee waiver: $250+ direct deposit waives the $12/mo fee on Advantage Plus Banking.
Holiday paydays: Most employers advance to Friday before the holiday.
Where Bank of America Has Branches: 36 States, East Coast Core§
Strongest Markets
New York/New Jersey metro, North Carolina (HQ, Charlotte), Florida (Miami, Tampa, Orlando, Jacksonville), California (LA, SF, San Diego), Texas (Houston, Dallas, San Antonio, Austin), Georgia (Atlanta), Virginia, Maryland, Massachusetts, Connecticut, and Washington D.C. In the NYC metro and Charlotte, BofA branches are as common as Chase. In South Florida, BofA is the dominant big-bank option with more financial centers than any competitor.
Moderate Coverage
Illinois (Chicago metro), Pennsylvania (Philadelphia), Ohio, Michigan, Arizona (Phoenix, Tucson), Oregon (Portland), Washington (Seattle), Tennessee, South Carolina, Missouri (St. Louis, Kansas City), Oklahoma, Kansas, Nevada (Las Vegas), New Mexico, and Hawaii. Branches exist but you may need to drive farther to find one compared to core markets. Suburban coverage is better than rural.
Limited / Not Available
No branches in Minnesota, Iowa, Wisconsin, Indiana (limited), Kentucky, West Virginia, Montana, Wyoming, North Dakota, South Dakota, Nebraska, Vermont, New Hampshire, Maine. In the upper Midwest, U.S. Bank and Huntington have much stronger coverage. In the Mountain West and rural New England, Wells Fargo and local community banks are the only in-person options.
The BofA footprint vs Chase: Both cover 36+ states, but their density patterns differ. BofA is strongest on the East Coast (NYC, Charlotte, South Florida, DC corridor) and in major Texas and California metros. Chase is strongest in the Midwest (Ohio, Michigan, Indiana, Illinois) and has better coverage in the Pacific Northwest. If you live in the Northeast corridor between DC and Boston, both work equally well. If you live in the Midwest or Pacific Northwest, Chase usually has more nearby branches.
What Works When Your Branch Is Closed§
24/7 Services
ATMs (16,000+): Cash withdrawals, deposits, balance checks, transfers. Vestibule ATMs accessible 24/7 with debit card.
Erica AI: Balance checks, transaction search, FICO score, card lock, spending insights, bill reminders — all 24/7.
Mobile app: Mobile deposit (8 PM cutoff), bill pay, Zelle, account transfers, card management.
bankofamerica.com: Full online banking including wire transfer initiation.
Zelle: Instant transfers 24/7. BofA was a founding Zelle partner.
Fraud: 1-800-432-1000, 24/7.
Branch-Only
Cashier's checks: Teller-only during lobby hours.
Safe deposit box: Lobby hours only.
Notary: At branches with notary staff.
Foreign currency: Order through branch (2–5 business days).
Complex accounts: Business, trust, Merrill investment accounts.
Preferred Rewards review: In-depth relationship review with a Merrill advisor for Diamond and above.
Bank of America vs. Competitors§
| Feature | BofA | Chase | Wells Fargo | PNC |
|---|---|---|---|---|
| Friday close | 6 PM | 5 PM (metro 6) | 5 PM | 6 PM |
| Saturday close | Noon–1 PM (urban closed) | 1–2 PM | Noon | Noon–1 PM |
| Branches | ~3,800 | ~4,700 | ~4,500 | ~2,600 |
| ATMs | 16,000+ | 16,000+ | 12,000+ | 9,000+ |
| AI assistant | Erica (industry-leading) | None | Basic chatbot | None |
| Loyalty program | Preferred Rewards (5 tiers) | None comparable | None comparable | None comparable |
| Mobile deposit cutoff | 8 PM local | 11 PM ET | 9 PM PT | 10 PM ET |
| Overdraft | Standard / SafePass (no OD) | Assist ($50) | Standard | Low Cash Mode |
| Strongest region | East Coast | East + Midwest | West Coast | Mid-Atlantic |
Bottom line: BofA wins on Erica AI (no competitor matches it), Preferred Rewards (the most generous relationship program among major banks for credit card users), Friday 6 PM close, and $10K mobile deposit limit. Chase wins on Saturday hours and total branch count. Wells Fargo wins on West Coast density and Control Tower security. PNC matches BofA on Friday hours and adds an 8 AM drive-through. Huntington wins on overdraft protection with 24-Hour Grace. For high-balance customers who use BofA credit cards, Preferred Rewards alone can justify choosing BofA over Chase. For Saturday-dependent customers in urban areas, Chase's longer and more consistent Saturday hours are safer.
Holiday Schedule§
| Holiday | 2026 Date | Status |
|---|---|---|
| New Year's Day | Thu, Jan 1 | Closed |
| MLK Day | Mon, Jan 19 | Closed |
| Presidents' Day | Mon, Feb 16 | Closed |
| Memorial Day | Mon, May 25 | Closed |
| Juneteenth | Fri, Jun 19 | Closed |
| Independence Day | Sat, Jul 4 (obs Fri) | Closed |
| Labor Day | Mon, Sep 7 | Closed |
| Columbus Day | Mon, Oct 12 | Closed |
| Veterans Day | Wed, Nov 11 | Closed |
| Thanksgiving | Thu, Nov 26 | Closed |
| Christmas Day | Fri, Dec 25 | Closed |
Christmas Eve & New Year's Eve: Most BofA financial centers close early, typically around 2:00 PM. This is standard across all major banks. Plan cashier's check requests and year-end wire transfers for earlier in the week. Erica and mobile banking continue working normally through all holiday closures.
Columbus Day & Presidents' Day: BofA closes on both. These two holidays confuse people because the stock market stays open (NYSE and NASDAQ trade normally), creating the false impression that banks are also open. The Federal Reserve, ACH, and Fedwire all close — meaning no wire transfers settle, no ACH payments process, and no direct deposits arrive. Only TD Bank stays open on both days.
Three-day weekend settlement gaps: Monday holidays create 72-hour periods where no ACH or Fedwire transactions settle. If you submit a wire transfer Friday afternoon and Monday is a holiday, it won't process until Tuesday. Erica, mobile deposit, Zelle, and ATMs all continue working through the gap — only settlement-dependent transactions pause.
Preferred Rewards on holidays: Your Preferred Rewards tier, credit card bonus multiplier, and all digital perks remain active during holidays. The only impact is that branch-dependent services (cashier's checks, safe deposit, notary) are unavailable until the next business day.
Customer Service§
| Service | Phone | Hours |
|---|---|---|
| General banking | 1-800-432-1000 | Mon–Fri 8 AM–11 PM ET, Sat 8 AM–8 PM ET |
| Fraud / lost card | 1-800-432-1000 | 24/7 |
| Credit card | 1-800-732-9194 | Mon–Fri 8 AM–11 PM ET |
| Mortgage | 1-800-669-6607 | Mon–Fri 8 AM–10 PM ET, Sat 8 AM–2 PM ET |
| Small business | 1-800-432-1000 | Mon–Fri 8 AM–11 PM ET |
| Erica (in-app) | In-app AI | 24/7 |
Frequently Asked Questions§
What time does Bank of America open and close?
Most Bank of America financial centers open at 9:00 AM Monday through Thursday and close at 5:00 PM. Friday hours extend to 6:00 PM at most locations — an extra hour that PNC also offers but Chase, Wells Fargo, and U.S. Bank typically do not. Saturday hours at branches that open are typically 9:00 AM to 1:00 PM. All branches are closed Sunday. Drive-through lanes where available may open 30 minutes earlier and close 30 minutes later than the lobby. Confirm through the BofA locator at bankofamerica.com.
Is Bank of America open on Saturday?
Many suburban Bank of America branches are open Saturday from 9:00 AM to 1:00 PM. However, a significant number of urban and downtown branches are closed Saturday — this is more common at BofA than at Chase or Wells Fargo. The pattern: business-district branches that serve weekday office workers often skip Saturday because foot traffic drops on weekends. Suburban branches in residential areas are more consistently open. Always check the locator before making a Saturday trip, especially if your nearest branch is in a city center.
Is Bank of America open on Sunday?
No. Bank of America financial centers are closed on Sunday with no exceptions. For Sunday banking, use BofA ATMs (16,000+), the Bank of America Mobile app, or bankofamerica.com. The Erica AI assistant is available 24/7 in the app for account questions, spending insights, and transaction searches. Only TD Bank offers consistent Sunday hours among major national banks.
What is Erica and how does it help after hours?
Erica is Bank of America's AI-powered virtual assistant, available 24/7 in the mobile app. Erica can check your balance, search past transactions ("how much did I spend at Costco last month?"), show upcoming bills, send spending alerts, provide your FICO score, lock your debit card, and help you navigate the app. Erica is not a human agent — it's an AI that handles routine questions instantly. For complex issues (disputes, account openings, loan modifications), you still need a human agent during phone support hours or a branch visit.
What is Bank of America Preferred Rewards?
Preferred Rewards is BofA's loyalty program that rewards customers based on their total relationship balance across BofA and Merrill accounts. Tiers: Gold ($20K+), Platinum ($50K+), Platinum Honors ($100K+), Diamond ($1M+), Diamond Honors ($10M+). Benefits escalate with each tier: credit card cash back bonuses (25–75% more), mortgage rate discounts, no monthly checking fees, free ATMs nationwide, free wire transfers, and dedicated support. If you consolidate checking, savings, investments, and mortgage at BofA/Merrill, Preferred Rewards can save hundreds per year.
What holidays does Bank of America close for?
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. Only TD Bank stays open on Columbus Day and Presidents' Day. On Christmas Eve, most branches close early (around 2 PM). The Erica AI assistant and ATMs remain available 24/7 on all holidays.
What is Bank of America's mobile deposit cutoff?
Bank of America's mobile check deposit cutoff is 8:00 PM in your local time zone. This is earlier than Chase (11 PM ET), Wells Fargo (9 PM PT/midnight ET), and PNC (10 PM ET). Standard daily limit is $10,000 for most personal accounts. The first $225 is available the same business day under Regulation CC; the remainder is typically available the next business day for established accounts.
Where does Bank of America have branches?
Bank of America operates approximately 3,800 financial centers across 36 states plus Washington D.C. Strongest markets: New York/New Jersey metro, North Carolina (headquarters in Charlotte), Florida, California, Texas, Georgia, Virginia, Maryland, Massachusetts, and Connecticut. BofA is strongest on the East Coast and in major metro areas. Coverage is thinner in the upper Midwest (no Minnesota, limited Iowa), Mountain West (limited Colorado, no Montana, Wyoming), and Pacific Northwest (limited Oregon, Washington).
When does Bank of America direct deposit hit?
BofA typically posts direct deposits between midnight and 6:00 AM Eastern Time on the scheduled pay date. BofA does not offer early direct deposit — funds arrive on the date your employer scheduled. If your payday falls on a federal holiday, most employers advance the deposit to the Friday before. Setting up direct deposit of $250+/month is one way to waive the $12 monthly fee on Advantage SafePass Banking.
What is the difference between BofA checking accounts?
BofA offers three main checking tiers: Advantage SafePass Banking ($4.95/mo, waivable with $300 direct deposit — debit-only, no checks), Advantage Plus Banking ($12/mo, waivable with $250 combined direct deposit — includes checks), and Advantage Relationship Banking ($25/mo, waivable with $10K combined balance or Preferred Rewards enrollment). All tiers include access to Erica, Zelle, and mobile deposit. The key difference is overdraft: SafePass simply declines transactions that would overdraft (no fees, no checks). Plus and Relationship allow overdrafts with standard fees.
Does Bank of America have drive-through banking?
Yes, many suburban and semi-rural Bank of America branches have drive-through service. The drive-through typically opens 30 minutes before the lobby (around 8:30 AM) and may stay open 30 minutes past lobby closing. Urban and downtown branches typically do not have drive-throughs. Some locations have converted to 24/7 drive-up ATMs with deposit capability but no teller interaction. The locator shows drive-through availability for each location.
How does Bank of America compare to Chase?
BofA and Chase are the two biggest consumer banks in the U.S. Key differences: BofA has Friday until 6 PM (Chase typically 5 PM). Chase has longer Saturday hours (1–2 PM vs BofA's noon–1 PM, and many BofA urban branches skip Saturday entirely). Chase has more branches (4,700 vs 3,800) in more states (48 vs 36). BofA has Erica AI (Chase has no equivalent assistant), Preferred Rewards (Chase has no relationship program matching its depth), and the SafePass no-overdraft account. For East Coast metro banking, both work well. For West Coast, Wells Fargo and Chase have more branches.
Official Resources§
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