Bank of America closes early today, here’s how to find branches and ATMs near you

Bank of America closes early today on New Year’s Eve, December 31, 2025, with most branches shutting down between 1 p.m. and 4 p.m.. If you need to withdraw cash or conduct banking before the holiday rush, you need to act fast. Here’s how to find open branches and ATMs near you right now.

Bank of America Early Closing Times on New Year’s Eve

If you plan to visit a Bank of America location today, plan ahead carefully. Most branches in the United States will close significantly earlier than their normal 4 p.m. closing time.

According to the latest updates from major news outlets, Bank of America typically closes branches between 1 p.m. and 3 p.m. on December 31. Some locations may close as early as noon, while others in certain markets stay open until mid-afternoon. The exact closing time depends on your specific branch.

In-store Bank of America branches located inside retail locations may have different hours than standalone financial centers. Always call ahead to confirm your specific branch’s closing time.

How to Find Bank of America Locations Open Today

Finding Bank of America Today	Details
Official Locator Tool	Visit locators.bankofamerica.com to find branches and ATMs by location
Available 24/7	ATMs are open around the clock for deposits and withdrawals
Phone Support	Call Bank of America customer service at 1-800-BANK-BOA for specific hours
Mobile App	Use the official app to check branch hours and schedule appointments

Why Banks Close Early on New Year’s Eve

Bank of America closes early today because of several factors affecting operations. Reduced customer traffic on holidays means fewer transactions need processing, allowing banks to close operations and let staff celebrate.

Holiday operating procedures follow federal banking standards. The Federal Reserve System establishes guidelines for bank operating hours, and most major banks align their schedules with these recommendations. December 31 isn’t a federal holiday, so banks open, but they typically reduce hours in anticipation of the holiday season.

Additionally, most banking transactions can be completed through 24/7 ATMs and online banking, making early closing times less problematic for customers needing after-hours access to their accounts.

Accessing Your Money on New Year’s Eve

“ATMs are available around the clock, and our mobile and online banking services remain available 24/7 for all your banking needs.”

— Bank of America Customer Service Statement, Holiday Operations

You don’t need to panic about limited access to your money. Bank of America maintains thousands of ATMs nationwide that operate continuously, even on holidays. You can withdraw cash from any ATM displaying Bank of America branding at any time.

For deposits, use Bank of America’s mobile app to deposit checks remotely, or visit an ATM with deposit capabilities. Online banking remains fully active, allowing you to transfer funds, pay bills, and handle account management without visiting a branch.

Prepare Before Tomorrow’s Complete Closure

While Bank of America closes early today, it closes completely tomorrow. January 1, 2026 is New Year’s Day, a federal holiday, meaning all Bank of America financial centers will be shut down for the entire day.

If you need to handle important banking before the holiday, visit a branch this afternoon before they close. Prepare any deposits, withdrawals, or account changes today. Remember that online banking, mobile apps, and ATMs never close, giving you 24/7 access to essential services even when branches are closed.

Sources

• People.com – Banking hours update on New Year’s Eve 2025
• GOBankingRates – Bank of America holiday operating schedule
• Bank of America Official – Holiday hours and location information