Independence Day — a federal holiday that celebrates America’s independence from Great Britain — is celebrated on July 4 every year. 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.
Regarding holidays, banks typically follow the Federal Reserve’s lead. When federal holidays fall on Saturday, as is the case this year with Independence Day, the Fed’s policy is to keep all of its banks and branches open on Friday and closed the following Monday. While some banks observe the preceding Friday when July 4 is on Saturday, you will still find many banks open on July 3.
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. You should check with your bank to make sure it is indeed open so that you don’t make a trip in vain.
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If you need to visit your bank on July 3, you’re probably in luck. Because the Friday before Independence Day is not a bank holiday, most institutions will conduct business as usual. Even if your bank is not on the following list, it will likely be open. Before you head out, call your local branch to confirm its schedule.
These banks will definitely be open on July 3:
- Bank of America
- Bank of the West
- Citizens Bank
- City National Bank
- First Citizens Bank
- M&T Bank
- People’s United Bank
- PNC Bank
- Santander Bank
- TD Bank
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Since most banks are open on July 3, you can likely get assistance at a branch as usual. If for some reason your bank is closed, you still have options, including the following:
- Using your bank’s online banking platform or mobile app
- Using a mobile payment app, such as Zelle or Venmo
- Visiting an ATM
- Calling your bank’s customer service line if it’s open
Between all of these options, you should be able to take care of most of your financial needs, such as obtaining basic information or making a deposit, withdrawal or transfer.
According to the Fed, most banks will be closed on the following holidays this year:
- July 4: Independence Day
- Sept. 7: Labor Day
- Oct. 12: Columbus Day
- Nov. 11: Veterans Day (most banks)
- Nov. 26: Thanksgiving Day
- Dec. 25: Christmas Day
More Bank Holidays
- Are Banks Open Today? Full List of Bank Holidays
- Banks Open on Sunday
- Banks Open During Passover
- Banks Open on Black Friday
- Banks Open on Columbus Day
- Banks Open on Easter Monday
- Banks Open on Easter
- Banks Open on the Fourth of July
- Banks Open on Good Friday
- Banks Open on Halloween
- Banks Open on Labor Day
- Banks Open on July 3
- Banks Open on Mardi Gras
- Banks Open on Martin Luther King Jr. Day
- Banks Open on Memorial Day
- Banks Open on New Year’s Day
- Banks Open on Presidents Day
- Banks Open on St. Patrick’s Day
- Banks Open on Thanksgiving Day
- Banks Open on Veterans Day
- Banks Open on Christmas Day
Schedules are subject to change and may vary for individual branches.
This article has been updated with additional reporting since its original publication.