Are Banks Open on July 3?

Find out if your bank is open the day before the Fourth of July.

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.

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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.

Check Out: 10 Banks With No-Fee ATMs

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:

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.

Also See: 10 Best Online Banks of 2019

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

Keep reading to see the five best banks with no fees.

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More Bank Holidays

Joel Anderson and Steffi Cao contributed to the reporting for this article.

GOBankingRates sourced hours from banks’ websites or by contacting banks directly. Some banks’ hours were sourced from and The Holiday Schedule. Hours are subject to change and may vary for individual branches.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

About the Author

Andrew Lisa has been writing professionally since 2001. An award-winning writer, Andrew was formerly one of the youngest nationally distributed columnists for the largest newspaper syndicate in the country, the Gannett News Service. He worked as the business section editor for amNewYork, the most widely distributed newspaper in Manhattan, and worked as a copy editor for, a financial publication in the heart of Wall Street’s investment community in New York City.