Is Bank of America Open on Monday?

Yes, Bank of America is generally open on Mondays at most of its branches across the United States. If you're asking 'is Bank of America open on Monday', the short answer is yes—unless that Monday is a federal holiday such as Memorial Day, Independence Day, or Labor Day. Most Bank of America locations follow a standard Monday through Friday banking schedule, with many also offering Saturday services. However, operating hours can vary significantly depending on the branch’s location, whether it's inside a retail store, part of a shopping center, or independently operated. For the most accurate and up-to-date information, customers should verify their specific branch’s hours using the Bank of America website or mobile app.

Quick Overview: Is Bank of America Open on Monday?

In general, yes—Bank of America is open on Mondays. This applies to the vast majority of its over 4,300 financial centers nationwide. Regular weekday hours are typically from 9:00 AM to 5:00 PM or 6:00 PM, though some urban or high-traffic branches may open earlier or close later. A limited number of locations offer extended evening hours or Sunday availability, but these are exceptions rather than the norm.

However, if the Monday in question falls on a recognized federal holiday—such as New Year’s Day (if observed), Martin Luther King Jr. Day, Presidents’ Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day (though this is Thursday), or Christmas Day (if it falls on a Monday)—then branches will be closed. It's important to understand that while Bank of America operates under a national framework, individual branch schedules can differ based on geography, foot traffic, staffing, and local demand.

Typical Holiday Operating Policy for Bank of America

Bank of America observes most major federal holidays by closing all physical branches. While ATMs and digital banking services remain fully operational, in-person services like teller transactions, loan consultations, and safe deposit box access are unavailable on these days.

The following is a list of holidays when Bank of America branches are typically closed:

New Year’s Day (January 1)
Martin Luther King Jr. Day (third Monday in January)
Presidents’ Day (third Monday in February)
Memorial Day (last Monday in May)
Independence Day (July 4)
Labor Day (first Monday in September)
Veterans Day (November 11) – note: some banks do not close, but BoA does
Thanksgiving Day (fourth Thursday in November)
Christmas Day (December 25)

If any of these holidays fall on a weekend, the bank usually observes them on the adjacent weekday—most commonly the Friday before or the Monday after. For example, if Christmas falls on a Sunday, then Monday, December 26, becomes the official bank holiday.

This standardized closure policy helps ensure consistency across the network and aligns with Federal Reserve System operations, which influence check clearing and other backend banking functions.

Why Branch Hours May Vary

Despite having a national brand presence, not all Bank of America branches operate identically. Several factors contribute to differences in opening and closing times:

Location Type: Branches located inside grocery stores, pharmacies (like Safeway or Kroger), or Walmart Supercenters often follow the host retailer’s hours, which may include early mornings, evenings, or Sundays.
Urban vs. Rural Settings: High-density metropolitan areas such as New York City, Los Angeles, or Chicago may have branches with extended hours due to customer demand and commercial activity. In contrast, rural or suburban locations might adhere strictly to traditional 9-to-5 schedules.
Local Regulations: Some states or municipalities impose restrictions on banking hours, particularly regarding Sunday operations or late-night financial services.
Staffing and Management Decisions: Individual branch managers may request adjusted hours based on community needs, seasonal fluctuations, or staffing levels.

Because of these variables, it's essential for customers to confirm the exact hours of their preferred branch rather than assuming uniformity across locations.

Holiday-Specific Factors That Impact Monday Operations

When evaluating whether Bank of America is open on a given Monday, consider whether that day coincides with a federal holiday or its observance. Below is a breakdown of key holidays that fall on Mondays and how they affect branch operations:

Martin Luther King Jr. Day

Held annually on the third Monday in January, this federal holiday results in full branch closures. While online banking remains available, no in-person services are offered.

Presidents’ Day

Also known as Washington’s Birthday, this holiday occurs on the third Monday of February. All Bank of America branches are closed on this day.

Memorial Day

The last Monday in May marks Memorial Day, a day of remembrance for fallen U.S. military personnel. As with other federal holidays, Bank of America closes all branches.

Labor Day

The first Monday in September is Labor Day, honoring American workers. Bank of America observes this holiday with complete branch shutdowns.

Veterans Day

While Veterans Day is officially observed on November 11 each year, if that date falls on a weekend, the federal government—and by extension, Bank of America—typically observes the holiday on the nearest weekday. If the observance lands on a Monday, expect branches to be closed.

It's worth noting that unlike retail stores, which may stay open on holidays for sales events, banks like Bank of America prioritize employee rest and system maintenance during holiday periods. Even if a non-holiday Monday follows a major holiday weekend (e.g., the Monday after Thanksgiving), normal operations resume unless otherwise stated.

Holiday	Date (Typical)	Branch Open on Monday?	Notes
New Year’s Day	January 1	No (if Mon) / Yes (if not holiday)	Observed on adjacent weekday if Jan 1 is weekend
Martin Luther King Jr. Day	Third Mon, Jan	No	National closure
Presidents’ Day	Third Mon, Feb	No	Closed nationwide
Memorial Day	Last Mon, May	No	All branches closed
Independence Day	July 4	No (if Mon) / Yes (if not holiday)	Observed on Fri or Mon if Jul 4 is weekend
Labor Day	First Mon, Sep	No	Nationwide closure
Veterans Day	Nov 11	No (if observed on Mon)	Not always a bank holiday, but BoA closes
Thanksgiving	Fourth Thu, Nov	Yes (next Mon)	Normal Monday operations resume
Christmas Day	Dec 25	No (if Mon) / Yes (if not holiday)	Observed on nearby weekday if weekend

Practical Planning Tips for Customers

To avoid inconvenience, here are actionable steps you can take to determine whether your local Bank of America branch is open on a particular Monday:

Check the Official Website: Visit bankofamerica.com and use the 'Locations' tool to search for your nearest branch. Enter your ZIP code or address to view detailed hours, including holiday schedules.
Use the Mobile App: The Bank of America mobile application includes real-time branch and ATM locator features. You can filter results by services offered and view daily operating hours directly on your smartphone.
Call Ahead: Dial 1-800-432-1000, Bank of America’s customer service line, to speak with a representative who can confirm branch status for any given day.
Look for Holiday Notices: During holiday seasons, Bank of America often posts banners on its homepage announcing upcoming branch closures. These alerts are updated well in advance.
Set Reminders: If you rely on in-person banking for deposits, withdrawals, or consultations, mark federal holidays on your calendar and plan accordingly.

Additionally, consider leveraging digital alternatives when branches are closed:

Use mobile check deposit via the app
Transfer funds using Zelle or online banking
Withdraw cash from over 16,000 ATMs (fee-free within the Bank of America network)
Schedule appointments for the next business day

Remember, policies can change from year to year. While historical patterns are reliable, always verify current information before making a trip.

Frequently Asked Questions

Is Bank of America open on Presidents’ Day?

No, Bank of America is closed on Presidents’ Day, which falls on the third Monday in February. All branches are shut, though ATMs and online banking remain accessible.

Are Bank of America branches open on Memorial Day?

No, Bank of America does not operate any branches on Memorial Day, the last Monday in May. This is a federal holiday, and all physical locations are closed.

What time do Bank of America branches open on regular Mondays?

Most branches open at 9:00 AM and close at 5:00 PM or 6:00 PM on regular Mondays. Hours vary by location, so checking your specific branch online is recommended.

Is Bank of America open on Veterans Day?

No, Bank of America observes Veterans Day as a closure day for all branches, even though some financial institutions remain open. If the holiday is observed on a Monday, expect full closure.

Can I deposit money at a Bank of America ATM on a holiday Monday?

Yes, you can use Bank of America ATMs for deposits, withdrawals, balance checks, and transfers 24/7, even on holidays when branches are closed.