Are Banks Open on the Fourth of July?

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Wondering if banks are open on the Fourth of July in 2025? Since the holiday falls on a Friday this year, it’s important to plan ahead for any banking needs. Here’s what to expect.

Bank Hours on the Fourth of July

Independence Day is a federal holiday, so banks will be closed. Your local bank’s ATM and mobile banking are still available 24/7 for your financial needs. 

Fourth of July Eve: Bank Hours

Most banks keep regular business hours on the day before the Fourth of July. Bank locations in grocery or retail stores may close early. Call those banks to find out their Fourth of July eve hours.

It is always a good idea to confirm individual branch hours since they can vary. 

Here are some common bank Fourth of July eve hours:

Alternative Banking Options

Even though banks may be closed on the Fourth of July, you can still review your accounts via online banking and ATMs. You can withdraw cash from an ATM and make balance inquiries regarding your account. In addition, some ATMs will accept mobile deposits. 

Online banking is also available 24/7. You can view balances on the website or app, as well as transfer money. 

Retail stores that are open on the Fourth of July may offer check cashing and money services. You can cash a check, get a money order or load funds on a prepaid debit card. 

When Banks Reopen After Fourth of July 

The day after the Fourth of July falls on Saturday. Some banks may reopen on Saturday for limited hours. Check your local branch’s bank hours to verify their schedule.

You can expect normal operating hours to resume on Monday, July 7, 2025.

2025 Bank Holiday Schedule

Not sure when to expect banks to close this year? This 2025 bank holiday schedule can help you plan ahead:

Holiday Date
New Year’s Day Wednesday, Jan. 1
Martin Luther King, Jr. Day Monday, Jan. 20
Presidents Day Monday, Feb. 17
Memorial Day Monday, May 26
Easter Sunday Sunday, April 20
Juneteenth National Independence Day Thursday, June 19
Independence Day Friday, July 4
Labor Day Monday, Sept. 1
Columbus Day/Indigenous Peoples Day Monday, Oct. 13
Veterans Day Tuesday, Nov. 11
Thanksgiving Day Thursday, Nov. 27
Christmas Day Thursday, Dec. 25

Final Takeaway

If you have important banking tasks to take care of, plan to complete them by Thursday, July 3. With banks closed on Friday and limited Saturday hours, mobile and online banking will be your best bet over the holiday weekend.

Banking on the Fourth of July: FAQ

Still have questions about banking on the Fourth of July? These FAQs can help.
  • Are banks open the day after the Fourth of July?
    • The day after the Fourth of July falls on a Saturday. Some banks will keep limited hours. Check with your local branch on their hours.
  • Can I deposit checks on the Fourth of July?
    • Yes. You can deposit checks at your bank's ATM or through mobile deposit. However, deposits will not be processed on this day.
  • Will direct deposits go through on the Fourth of July?
    • The Fourth of July is a federal holiday in the United States, during which banks and the Federal Reserve are closed. As a result, direct deposits scheduled for that day will not be processed.

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

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

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