Are Banks Open on the Fourth of July 2020?

Plan ahead for your Independence Day banking needs.

This year’s Fourth of July holiday marks the 244th anniversary of the approval of the Declaration of Independence in 1776, when the U.S. declared autonomy from Great Britain. Although your plans for Independence Day might not include the same festivities as in years past, you might want to at least mix a bit of productivity into the holiday.

If you need to take care of any financial needs on July 4, you’ll first want to know what your banking options are. Here’s what you’ll find in this guide to banking on the Fourth:


Are Banks Open on the Fourth of July?

Independence Day is a federal holiday, so many businesses will close to observe the occasion. Most banks will be closed for the Fourth of July in accordance with the schedule of holidays observed by the Federal Reserve.

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Banks Closed on the Fourth of July 2020

GOBankingRates has confirmed that the financial institutions below will be closed on July 4. Even if your bank is not on the list, it probably won’t be open, so call your local branch first instead of assuming it will have staff on hand. Here are the banks that will be closed on the Fourth of July 2020:

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How To Bank on the Fourth of July Holiday

While planning ahead is probably the best option for meeting your banking needs by July 4, options are still available if your local branch is closed. You can still visit an ATM to withdraw or deposit money. You should also be able to use your bank’s online platform to handle many of your banking needs, such as checking your account balances, setting up payments for upcoming bills, and transferring funds.

Any other services available outside of its online banking options will be up to your financial institution. Check with your bank or credit union ahead of time to see what other services are obtainable when branches are closed.

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Upcoming Bank Holidays in 2020

According to the Federal Reserve, most banks will be closed on the following federal holidays in 2020:

  • Sept. 7: Labor Day
  • Oct. 12: Columbus Day
  • Nov. 11: Veterans Day (most banks)
  • Nov. 26: Thanksgiving Day
  • Dec. 25: Christmas Day

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More Bank Holidays

Steffi Cao contributed to the reporting for this article.

Schedules are subject to change and may vary for individual branches. 

This article has been updated with additional reporting since its original publication.

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About the Author

Joel Anderson is a business and finance writer with over a decade of experience writing about the wide world of finance. Based in Los Angeles, he specializes in writing about the financial markets, stocks, macroeconomic concepts and focuses on helping make complex financial concepts digestible for the retail investor.