Are Banks Open on the Fourth of July 2019?

Plan ahead for your banking needs for Independence Day.

The Fourth of July is all about barbecues, pool parties and watching fireworks with your friends and family. This year marks the 243rd anniversary of the approval 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 take care of any financial needs on July 4, you’ll first want to know what your banking options are.

Are Banks Open July 4?

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 that are observed by the Federal Reserve. The Nasdaq Stock Market and the New York Stock Exchange will also be closed on July 4.

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Banking on July 4

July 4 is a bank holiday, so plan accordingly. 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 its specific operating hours. You should be able to complete basic banking tasks through your bank’s website or mobile app. However, deposits and other transactions might be delayed by at least one business day.

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Banks Closed on the Fourth of July

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 2019:

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

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Upcoming Bank Holidays in 2019

According to the Federal Reserve, most banks will be closed on the following federal holidays in 2019:

  • 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 find out how to get a money order and other services when your bank is closed.

More on Banking

Steffi Cao contributed to the reporting for this article.

GOBankingRates sourced Independence Day hours from banks’ websites or by contacting banks directly. Some banks’ hours were sourced from Banks.org and The Holiday Schedule. Holiday 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

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.