Bank of America Is Closing These 19 Branches – In 2025, Bank of America made the decision to permanently close 19 of its branches across the United States. This move is part of a broader shift in the banking industry, where many financial institutions are closing physical locations in favor of digital banking services. The trend isn’t new—banks have been downsizing their brick-and-mortar operations for years. In fact, since 2018, approximately 1,646 U.S. bank branches have closed annually, according to Self Financial’s fintech analysis.
California and Florida, which have seen the highest number of closures over the years, will be the most affected once again. California has already seen more than 1,110 branch closures since 2013, while Florida has recorded over 1,090. It looks like this trend will continue as banks further focus on online services and streamline their operations to better serve customers.
Interestingly, branch closures aren’t limited to rural or low-traffic areas anymore. In fact, some high-density urban locations like San Francisco, Seattle, and Las Vegas will also lose their branches. Bank of America explained that these closures are driven by factors like customer foot traffic, operational costs, and their ongoing commitment to a more digital-first approach.
Why Are Banks Closing Branches?
The banking industry has been evolving, mainly due to changing consumer habits. Today, nearly 70% of Americans believe that the traditional banking model needs to be updated. More and more people are seeking the convenience of 24/7 digital banking—where they can do everything from transferring money to managing investments, all from their phones. This shift has meant fewer people walking into branches, and banks have had to reconsider their physical infrastructure.
Maintaining a full-service branch is expensive. Banks must pay for property rent, security, staffing, and maintenance. Digital banking platforms, on the other hand, allow banks to serve more customers at lower costs. For large institutions like Bank of America, this makes closing underused branches a financially smart move in an increasingly competitive market.
Breakdown of the 2025 Branch Closures
In 2025, the 19 Bank of America branches that will shut down are spread across ten states, ranging from California to Florida. These closures are staggered throughout the year, with some already happening and others slated for mid- or late-2025. The closures aren’t clustered in any one region, and even some high-traffic areas are affected. Here’s a quick look at where the branches are located:
| State | Number of Branches Closing |
|---|---|
| California | 7 |
| Florida | 1 |
| Illinois | 2 |
| Kentucky | 1 |
| Massachusetts | 1 |
| Nevada | 1 |
| South Carolina | 1 |
| Texas | 1 |
| Virginia | 1 |
| Washington | 3 |
| Total | 19 |
California tops the list with seven closures, followed by Washington and Illinois, which will see three and two closures, respectively. Factors such as customer foot traffic, the proximity of other branches or ATMs, and the shift toward digital banking influenced these decisions.
A List of the Branch Closures
While Bank of America’s customers may be affected, the bank is working to ensure there are alternatives in place. Affected customers can access nearby branches or take advantage of the bank’s robust digital services. Here’s a full list of the branch locations that are closing:
| City & State | Branch Address |
|---|---|
| Grass Valley, CA | 134 South Church Street |
| San Jose, CA | 1510 The Alameda |
| San Mateo, CA | 3150 Campus Drive |
| Davis, CA | 4551 2nd Street, Suite 120 |
| Huntington Beach, CA | 16811 Algonquin Street |
| Camarillo, CA | 5800 Santa Rosa Road |
| San Francisco, CA | 445 Powell Street |
| Wellington, FL | 10690 Forest Hill Boulevard |
| Lake in the Hills, IL | 240 N Randall Rd |
| Mundelein, IL | 3210 W IL Route 60 |
| Fort Campbell, KY | 201 Bastogne Avenue |
| Lynnfield, MA | One Post Office Square |
| Las Vegas, NV | 399 South Fourth Street |
| Charleston, SC | 910 Savannah Highway |
| Arlington, TX | 1206 South Bowen |
| Burke, VA | 9280 Old Keene Mill Road |
| Seattle, WA | 1201 Madison Street |
| Seattle, WA | 4323 SW Admiral Way |
| Seattle, WA | 9019 Rainier Avenue South |
If your branch is closing, you’ll be informed about the changes and encouraged to set up mobile banking if you haven’t already. The bank is also offering information about nearby locations and online services well in advance to minimize any disruptions.
The Bigger Picture: Industry-Wide Shift
This shift to digital-first banking is happening across the board, not just at Bank of America. Major banks like JPMorgan Chase, Wells Fargo, and PNC Bank are all adopting similar strategies. In fact, in March 2025 alone, 32 U.S. bank branches closed, bringing the total to 272 closures by the end of the first quarter. This trend points to a continued decline in physical banking infrastructure as institutions focus on digital services.
Flagstar Financial, for example, has announced it will shut down at least 60 branches in 2025 as part of a restructuring plan. They also cited the need to cut costs after a significant financial loss in 2024. This is a sign of how banks are using branch closures as a way to stay competitive and financially sound.
Some analysts predict that by 2041, physical bank branches could become nearly obsolete. But that doesn’t mean you’ll lose access to your bank’s services. Instead, it means the way we engage with our banks will keep evolving—focusing more on apps and online platforms rather than traditional brick-and-mortar locations.
Helping Customers Transition
Bank of America has made efforts to support its customers through this transition. For those who may struggle with the shift to online banking, the bank offers several resources:
- Mobile Banking Features: The bank’s app lets you deposit checks, transfer money, and pay bills with just a few taps.
- ATM Access: Even after branches close, many will still have ATMs available for withdrawals, deposits, and basic banking tasks.
- Customer Care: The bank is providing extended phone support and live chat to assist customers with the transition.
Additionally, for services like notary assistance or safe deposit boxes, customers will be directed to nearby full-service locations.
Why This Makes Sense
The closures are part of a larger strategy aimed at improving operational efficiency and cutting costs. The banking industry is increasingly turning to technology to provide faster, more scalable services. By reducing the number of physical locations, banks can focus on improving their digital platforms, which offer a more cost-effective way to serve a larger customer base. Ultimately, these moves aim to help banks stay competitive in an ever-changing market, ensuring they continue to meet customer needs while keeping costs down.
In short, while these closures might be inconvenient for some, they’re part of a larger shift towards more modern, digital banking solutions that promise to make banking services more accessible—and efficient—than ever.
