Independence Day — a federal holiday that celebrates America’s independence from Great Britain — is celebrated on July 4 every year. And although the day prior is not an official holiday, many people might be curious if banks are open on July 3 or if they are closed just before the Fourth.
Take a look at this list to see if your bank is open on July 3, which falls on a Wednesday this year. Then check to see if it will be open on the Fourth of July.
Are Banks Open on July 3?
Some years, federal holidays fall on weekends and are therefore observed on the Friday before or the Monday after. That is not the case with Independence Day 2019, which means that July 3 is not a day of observance. July 3 is also not a holiday recognized by the Federal Reserve, which sets a holiday schedule that most banks follow the lead of.
So if you’re wondering whether banks are open July 3, the short answer is: It’s up to them. Banks can open or close their branches any day they like.
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Banks Open July 3
If you need to visit your bank on July 3, you’re in luck. Because the Wednesday before Independence Day is not a bank holiday, most institutions will conduct business as usual. Even if your bank is not on this list, it will likely be open. These banks will definitely be open on July 3:
- Bank of America
- Bank of the West
- BBVA Compass
- BMO Harris Bank
- Capital One
- Citizens Bank
- City National Bank
- Comerica Bank
- Fifth Third Bank
- First Citizens Bank
- M&T Bank
- People’s United Bank
- PNC Bank
- Santander Bank
- TD Bank
- Union Bank
- U.S. Bank
- Wells Fargo
If you want to start your holiday celebration early and don’t feel like visiting a branch, you’ll likely be able to take care of your banking needs through your bank’s website or mobile app.
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Upcoming Bank Holidays in 2019
According to the Federal Reserve, most banks will be closed on the following holidays:
- July 4: Independence Day
- Sept. 2: Labor Day
- Oct. 14: Columbus Day
- Nov. 11: Veterans Day (most banks)
- Nov. 28: Thanksgiving Day
- Dec. 25: Christmas Day
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GOBankingRates sourced hours from banks’ websites or by contacting banks directly. Some banks’ hours were sourced from Banks.org and The Holiday Schedule. Hours are subject to change and may vary for individual branches.
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