The Banking World Is Changing Fast
The closure of numerous Bank of America branches across the country has sparked a wave of concern, especially among customers who still rely on face-to-face financial services. While unsettling for many, this move is part of a broader shift in the banking industry, where traditional brick-and-mortar locations are rapidly giving way to digital platforms.
Bank of America is not alone in this strategy. As more customers embrace mobile and online banking for their convenience and accessibility, physical branches are becoming less essential—and banks are responding by shutting them down.
Table of Contents
Why Are Banks Closing So Many Branches?
Digital Banking Is Leading the Charge
The shift toward digital financial management has accelerated significantly over the past few years. Customers are increasingly choosing to manage their money via apps and websites rather than in person.
Bank of America, like many others, cites the following key reasons behind the closures:
- Fewer in-person visits: With more tasks being handled online, foot traffic in branches has dropped.
- Cost-cutting and efficiency: Maintaining physical locations is expensive, and banks are reallocating those resources.
- Post-pandemic shifts: The COVID-19 pandemic permanently changed consumer behavior, making remote services more accepted—and expected.
A Nationwide Trend That’s Gaining Momentum
This is not just a Bank of America phenomenon. In fact, more than 320 bank branches across the U.S. have closed this year alone. Industry experts predict this trend will continue, with some suggesting the last physical bank branch could shut down by 2041.
Major Banks Closing Branches in 2025
Several prominent banking institutions are making similar moves, some even more aggressively:
Wells Fargo and Chase
These two banking giants shut down 145 branches in just five weeks earlier this year. The rapid pace of closures indicates a strategic push toward digital-first operations.
TD Bank
TD Bank has not only closed several branches in 2025 but has already outlined plans for further closures throughout the year.
Pennsylvania Branch Closures: A Closer Look
The impact is being felt on a local level as well. In Pennsylvania, the following banks have closed or plan to close branches:
Citizens Bank
- 1201 Knapp Road, North Wales
- 116 W. Township Line Road, Havertown
- 176 W. Street Road, Feasterville-Trevose
Fulton Bank
- 122 Eagle Point, Bellefonte
- 599 West Market St., Hellam
- 611 Shrewsbury Commons Avenue, Shrewsbury
- 200 South Poplar St., Berwick
- 866 North U.S. Route 15, Dillsburg
- 1732 E. Third St., Williamsport
- 835 North Fourth St., Sunbury
PNC Bank
- 345 Court St., Coraopolis
- Bon Aire Shopping Center, Route 8, Butler
- 801 Bishop St., Bellefonte
- 230 S. Broad St., Philadelphia
TD Bank
- 8600 Germantown Pike, Philadelphia
- 101 Lancaster Ave., Frazer
- West Trenton Avenue and Carlisle Avenue, Morrisville
Wells Fargo
- 1001 Pennsylvania Ave., Matamoras
- Centre Square, 1 N. Main St., Red Lion
- 1700 Market St., Philadelphia
Full List of Bank of America Branch Closures for 2025
Bank of America has announced closures across multiple states. Here’s a breakdown by state and scheduled closure dates:
California
- April: 134 South Church Street, Grass Valley
- May: 1510 The Alameda, San Jose; 3150 Campus Drive, San Mateo
- June: 4551 2nd Street, Suite 120, Davis
- October: 16811 Algonquin Street, Huntington Beach
- November: 5800 Santa Rosa Road, Camarillo
- December: 445 Powell Street, San Francisco
Florida
- May: 10690 Forest Hill Boulevard, Wellington
Illinois
- January: 240 N Randall Rd, Lake in the Hills; 3210 W IL Route 60, Mundelein
Kentucky
- September: 201 Bastogne Avenue, Fort Campbell
Massachusetts
- March: One Post Office Square, Lynnfield
Nevada
- September: 300 South Fourth Street, Las Vegas
South Carolina
- October: 910 Savannah Highway, Charleston
Texas
- September: 1206 South Bowen, Arlington
Virginia
- May: 9280 Old Keene Mill Road, Burke
Washington
- January: 1201 Madison Street
- February: 4323 SW Admiral Way
- April: 9019 Rainier Avenue South
Bank of America Announces Major Branch Closures Full List Inside
$2.85M Settlement Reached in Bank of America EIPA Class Action
Bank of America Massive Branch Closures 2024: List & Reason Behind
$2.85M Settlement Reached in Bank of America EIPA Class Action
Who Will Feel the Impact the Most?
While some customers may barely notice the change thanks to their smartphones and laptops, others are facing serious disruptions to their banking routines.
Most Affected Groups:
- Elderly customers: Many older adults still prefer—or need—face-to-face banking and struggle with digital platforms.
- People with disabilities: Accessible branch locations provide critical support not always matched by digital services.
- Low-income communities: Limited internet access and lack of digital literacy can make online banking challenging or even impossible.
What Comes Next?
The shift away from in-person banking is inevitable, but it raises important questions: Will everyone be able to adapt? Are banks doing enough to support their vulnerable customers during the transition?
As the digital banking revolution continues, the challenge for financial institutions will be to ensure that progress doesn’t come at the cost of accessibility and equity.