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How to get to Ameria Bank Mortgage in Highlands Ranch by Bus or Light Rail?
Public Transportation to Ameria Bank Mortgage in Highlands Ranch
Wondering how to get to Ameria Bank Mortgage in Highlands Ranch, United States? Moovit helps you find the best way to get to Ameria Bank Mortgage with step-by-step directions from the nearest public transit station.
Moovit provides free maps and live directions to help you navigate through your city. View schedules, routes, timetables, and find out how long does it take to get to Ameria Bank Mortgage in real time.
Looking for the nearest stop or station to Ameria Bank Mortgage? Check out this list of stops closest to your destination: S University Blvd & S Cresthill Ln.
You can get to Ameria Bank Mortgage by Bus or Light Rail. These are the lines and routes that have stops nearby - Bus: 24, 402L
Want to see if there’s another route that gets you there at an earlier time? Moovit helps you find alternative routes or times. Get directions from and directions to Ameria Bank Mortgage easily from the Moovit App or Website.
We make riding to Ameria Bank Mortgage easy, which is why over 930 million users, including users in Highlands Ranch, trust Moovit as the best app for public transit. You don’t need to download an individual bus app or train app, Moovit is your all-in-one transit app that helps you find the best bus time or train time available.
For information on prices of Bus and Light Rail, costs and ride fares to Ameria Bank Mortgage, please check the Moovit app.
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Bank of America Hours
Banking / Banks
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Bank of America is one of the world’s largest financial companies, with about 66 million consumer and small business customers. Its abundance of brick-and-mortar locations and banking resources landed them a spot as one of GOBankingRates’ best national banks of 2021.
Read on to find out when Bank of America branches are open for business:
Bank of America Hours for Normal Days
Bank of America hours vary by branch, so if you’re planning on making a trip to a branch, your best bet is to search for your nearest Bank of America location online and verify the hours it’s open. During the pandemic, many Bank of America branches are operating on reduced opening hours to allow for additional cleaning and others are temporarily closed, so be sure to check the hours before heading out to a financial center.
Before the pandemic, Bank of America was typically open on weekdays from 9 a.m. to 5 p.m. or 6 p.m. During the pandemic, some branches are opening later at 10 a.m. and closing earlier at 4 p.m.On Saturdays, its hours usually follow a schedule of either 9 a.m. to 2 p.m. or 10 a.m. to 2 p.m., though some branches are closed on Saturday. ATMs are open 24 hours a day, seven days a week.
Is Bank of America Open 7 Days a Week?
Most Bank of America locations are open six days a week, Monday through Saturday. If you need to do any banking on a Sunday, you’ll have to make do with an ATM or by using your online account or mobile app.
Is Bank of America Open on the Weekends?
Most Bank of America branches are open on Saturday, but not all are. Be sure to check your local branch online or by phone to find out its Saturday hours. No Bank of America locations are open on Sunday. Keep in mind that Bank of America ATMs are open 24 hours and you can perform many of the same banking tasks at an ATM as you can in a financial center, such as deposits and cash withdrawals.
Bank of America Hours for Holidays
Bank of America holiday hours follow the same schedule as most other national banks, which means branches are closed on federal holidays. Use this table to find out Bank of America’s holiday closings in 2021:
|Bank of America Holiday Schedule 2021|
|New Year’s Day — Jan. 1||Closed|
|Martin Luther King, Jr. Day — Jan. 18||Closed|
|Valentine’s Day — Feb. 14||Open|
|Presidents’ Day — Feb. 15||Closed|
|St. Patrick’s Day — March 17||Open|
|Memorial Day — May 31||Closed|
|Independence Day — July 4*||Closed*|
|Labor Day — Sept. 6||Closed|
|Columbus Day — Oct. 11||Closed|
|Halloween — Oct. 31||Closed|
|Veterans Day — Nov. 11||Closed|
|Thanksgiving Day — Nov. 25||Closed|
|Black Friday — Nov. 26||Open|
|Christmas Eve (daytime) — Dec. 24||Open|
|Christmas Day — Dec. 25||Closed|
July 4 falls on a Sunday this year, so Bank of America branches will be closed on that day. If a holiday falls on a Sunday, branches typically close the following Monday. This year, they will be closed on July 5th to observe the holiday.
How To Bank With Bank of America Outside of Business Hours
If you’re in need of banking services outside of Bank of America’s normal business hours, you can still handle certain tasks. Visit a Bank of America ATM to check your balance, d6posit checks, deposit cash and withdraw cash. You can also use your online account or mobile banking app to check your account balances, deposit checks, make transfers, pay bills and more. The virtual assistant, Erica, should be able to answer any questions you may have.
Bank of America Contact Information
To receive customer service assistance for checking and savings account issues — including general account information, reporting a lost or stolen debit card and opening an account — call these numbers:
- 800-432-1000 for U.S. callers
- 1-315-724-4022 for international callers
- 800-688-6086 for Spanish-speaking callers
Customer service agents are available Monday through Friday from 8 a.m. to 11 p.m. EST. On weekends, hours are 8 a.m. to 8 p.m. EST.
You can also reach out to Bank of America on Twitter @BofA_Help, or privately message them on Facebook.
For any other issues, visit Bank of America’s website for the appropriate contact information.
Information accurate as of Dec. 3, 2021.
About the Author
Levi joined GOBankingRates in 2019. He's found success in financial, political and military lifestyle writing, with work appearing on MSN, Yahoo Finance, OurMilitary.com and more. With a background in narrative writing, he enjoys turning interesting conversations into impactful content.
As part of the continuing effort to help slow the spread of the coronavirus (COVID-19), Shinhan Bank America has temporarily adopted a number of preventative measures:
- Our Branch Office Hours have been temporarily adjusted (Until further notice)
Temporary Branch Business Hours (as of November 22, 2021)
Monday – Friday: 9:00 AM – 5:00 PM
Saturday : Closed
- Trying to maintain social distancing. We may ask you to, also, keep the social distancing.
- We encourage you to use Drive Thru where applicable.
We continue to clean our branches and ATMs as often as possible.
To guard against phishing, don’t click on links in emails or texts. Instead, go directly to Shinhan website (www.shbamerica.com) or use our Mobile app.
The $1000 Comment
Five years ago, in response to what she perceived as criticism from Serj Tankian at the Genocide Centennial public concert in Republic Square, then-Diaspora Minister Hranush Hakobyan snapped back, saying that diasporans should open bank accounts in Armenia and deposit $1000 each.
She was raked over the coals for this comment, as it fed into the narrative that the Armenian government of the time viewed the diaspora as a cash cow and the main job of the Diaspora Minister was to milk it. The story persisted over a month later, as she continued to defend her proposal. It seems she never understood that the blowback was not about whether Armenian banks offered competitive interest rates; it was due to the harsh, lecturing tone of her delivery, insinuating that the diaspora was not doing enough to support Armenia (and that this absolved the government’s responsibility for the country’s challenges).
It was 2015 and I had already planned to visit Armenia that summer. I lived in Canada but it would be my fifth trip to the homeland in ten years. In preparation, looking at the websites of a few Armenian banks, I noticed that a one year term deposit in Armenian drams (AMD) could return 10% to 12% in interest. In contrast, my Canadian online savings bank was only offering 1.05% at the time.
So, I brought an extra sum with me on that three week trip. From their websites, I had taken note that Artsakhbank offered the highest interest rate, at 14% for a one-year term deposit, and a possibility to pay taxes to Artsakh at a lower rate. I walked into an Artsakhbank branch in Yerevan and asked if I could open an account. The teller was very confused. “What do you mean you want to open an account?” I was speaking Eastern Armenian and using the standard word for account, hashiv. The fact that he seemed not to know what I was talking about was not reassuring and I still remember the interaction five years later. After some back and forth, I was able to explain that I was eventually interested in leaving a term deposit (avand, in Armenian) but first I wanted to open a regular account, which, in my experience, is the first step in doing business with any North American bank. Instead of discussing checking accounts, he handed me two stapled black-and-white photocopies of their interest rates for different term lengths and currencies. It was clear it was prepared in Microsoft Word. I left the branch without becoming a customer.
I had just taken for granted that I would be able to maintain my account through the bank’s website after I returned to Canada. I had grown up with Internet banking. Even back when I still had a paper route, I would sign on to the Internet with a dial-up modem to tuck away my meagre savings with ING Direct, an online high-interest savings bank. Artsakhbank did not offer such an option at the time (though it seems they do now). Unless I happened to be back in Armenia when the term deposit matured, it was unclear how I could renew it. They didn’t explain to me that I could have set it to auto-renew but still withdrawn prematurely if I didn’t want to wait till the end of the second term. If I would need to incur long-distance telephone charges just to talk to them, it would defeat the whole purpose of chasing a higher interest rate.
From the general dimly-lit atmosphere and my short interaction in that branch, I started (hopefully irrationally) to develop a nagging feeling that I could return in-person a year later with my paper documents in hand and they would just tell me my money is gone due to some small-print technical reason; having heard tales of corruption and sensing a lack of “corporate” business culture, I didn’t have trust in the judicial system to protect my property if I encountered shenanigans.
I did also visit HSBC and ACBA-Credit Agricole that summer, thinking that being associated with foreign banks might make them more reliable. HSBC had the highest fees, widest exchange rate spread and lowest interest rate offered to savers. They did not explain to me whether there was a way to have the monthly account fee waived. I had virtually never paid a bank fee in my life and was not about to start. ACBA-Credit Agricole did have a primitive Internet banking solution available that required me to pay for a physical token, needed to log in. Even at ten times the interest rate I was receiving in Canada, the hassle was just not worth it and I flew back with my cash in my pocket.
Higher Return Means Higher Risk
In hindsight, a five year term deposit from 2015 would have matured this summer, nearly doubling my $1000 to $1925, if I had secured a 14% rate that compounded annually. The same $1000 would only grow to $1100 after five years if invested at 2%, in Canada for example.
It is important to note that those two figures cannot be directly compared, however. Although it turned out that Artsakhbank still exists and the AMD exchange rate to the USD is essentially the same as it was five years ago, there was no guarantee in 2015 that those two assumptions would hold water.
In general, if an investment promises to return a higher percentage, you should expect a lower probability that that promise will be kept. Inversely, purchasing a bond from the U.S. Treasury will have a lower interest rate than one issued by an airline company. The reason is that you can be much more confident the U.S. Treasury will pay your money back when the bond matures, while the airline might have gone bankrupt in the meantime, taking your principal down with it.
The additional risk of taking a term deposit in an Armenian bank, compared to my Canada-based savings bank can be broken down into two separate components: currency risk and institution risk.
Currency risk derives from the fact that exchange rates are not set in stone; when it comes time to convert your money back, you may find that it is no longer worth as much, especially if the country experienced a period of conflict. Those whose savings were in Lebanese or Syrian pounds are painfully too familiar with what can go wrong.
Currency risk can go both ways, however. The currency can also appreciate in value and add to gains. Between 2004 and 2008, the Armenian dram gained 83% against the USD, from an exchange rate of 550:1 to as low as 300:1. (As the number gets smaller, each Armenian dram increases in value.) Even if you kept AMD bills under your mattress, earning zero interest, you would have made a very respectable gain.
That trend proved to be unsustainable, however, once the 2007-2009 global financial crisis began to unfold. After a period of spending foreign currency reserves to keep the exchange rate stable, the Central Bank of Armenia (CBA) allowed its value to fall from 306:1 to 372:1 against the USD on March 4, 2009, as it sought assistance from the International Monetary Fund (IMF). Overnight, the currency had lost 18% of its value. Even if you were earning 12% interest on an AMD-denominated term deposit, you would not be happy. A similar devaluation happened more gradually in December 2014, when a drop in the global oil price took the AMD from 435:1 to 475:1 over the course of the month, a more palatable 8% loss. The currency has remained stable in the 475 range to this day, having now recovered after a short blip over 500 in late March and early April 2020, due to a combination of coronavirus uncertainty and oil shock after-effects. Prime Minister Nikol Pashinyan recently advertised on a Facebook post that the Central Bank had beefed up its foreign currency reserves to help ride out the storm.