Are Banks Open on the 4th of July 2018?

Find out if your bank is open or closed on Independence Day.

By Joel Anderson July 4, 2018 Find a Bank

The fourth of July is all about watching fireworks with your friends and family, barbecues, pool parties and more. This year marks the 242nd anniversary of the signing of the Declaration of Independence in 1776 when the U.S. declared autonomy from Great Britain.

In addition to having fun, you might also want to mix a bit of productivity into the holiday, so it’s time to start planning ahead to see which businesses will be open. If you need to stop by your local bank branch at any point during the day, you’ll first want to learn which banks have operating hours on July 4.

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Are Banks Open on Independence Day?

Independence Day is a federal holiday, so many businesses will close to observe the occasion, including most banks. The NASDAQ and New York Stock Exchange will also be closed on July 4, and the Securities Industry and Financial Markets Association recommends a holiday schedule for this date as well.

Banks Open on July 4th

Many people assume all banks are closed, but some have opted to keep certain branch locations open for at least part of the holiday. If you think you might need to do some banking on Independence Day, reach out to your local branch a few days prior to find out specific operating hours. If your bank has online banking options, you should be able to bank online as normal, however, deposits and other transactions might be delayed by at least one business day.

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Banks Closed on July 4th

If you’re wondering if banks will be open on July 4, 2018, you’ll find most are not. Most banks close on Independence Day to allow employees to enjoy the holiday and in accordance with the schedule of Federal Holidays on which the U.S. Federal Reserve Banks are closed. GOBankingRates has confirmed the financial institutions below will be closed on July 4, 2018. Even if yours is not on the list, it probably isn’t open, so call first instead of assuming the branch will have staff on-hand. Here’s a list of banks closed on Fourth of July 2018:

Bank of America
Bank of the West
BB&T
BBVA Compass Bank
BMO Harris Bank
Capital One Bank
Chase Bank
Citibank
Citizens Bank
City National Bank
Comerica
Fifth Third Bank
First Citizens Bank
Huntington National Bank
Huntington State Bank
HSBC
KeyBank
M&T Bank
People’s United Bank
Regions Bank
PNC Bank
Santander Bank
SunTrust Bank
TD Bank
Union Bank
U.S. Bank
Wells Fargo

Of course, even if your local branch is closed for the Fourth, you can still usually access many of the basic banking functions you can do in person online or via your bank’s mobile app. So, prior to the holiday, visit the website if you haven’t already and download the app to your smartphone or tablet and make sure it’s working.

Click through to find out the 10 best online banks of 2018.

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Steffi Cao contributed to the reporting for this article.

Methodology: GOBankingRates sourced bank hours directly from banks’ websites. When information was unavailable, GOBankingRates contacted the bank directly. Call your local bank branch for current information on bank hours.

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.