Are Banks Open on the Fourth of July?

On Tuesday, July 4, family and friends will gather together to celebrate America’s independence from Great Britain. In recognition of the holiday, most banks and related financial institutions will be closed.

The Fourth of July is a federal holiday and a standard Federal Reserve Bank holiday, which means all Federal Reserve branches are closed. Private banks follow their own schedules and can decide whether they will be open or closed on any particular holiday. A vast majority of non-federal banks, however, follow the Federal Reserve Bank holiday schedule, meaning they will not be open on the Fourth of July.

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Banks Closed on the Fourth of July

The vast majority of banks — including those listed below — will be closed on Tuesday, July 4. Even if your bank is not on the list, it likely will not open on the Fourth of July.

Banks Open on the Fourth of July

Some banks have opted to open on the Fourth of July. Among these are HSBC Bank, which does not include July 4 on its list of Public and Bank holidays. Other banks might also open some branches for at least part of the day. If you think you might need to do some banking on Independence Day, call your local branch to learn its specific operating hours.

If your bank is closed on the Fourth of July, don’t panic. Most banks provide their customers will alternative methods for completing banking transactions. For example, you can make cash withdrawals and deposits through ATM machines, and many mobile banking apps have check-depositing capabilities. You can check your balance online or over the phone, and virtually all banks maintain 24-hour hotlines for reporting lost cards, stolen cards and suspected fraud.

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