Are Banks Open on July 4th? 2022 Opening Hours for Independence Day Holiday

July 4th, also known as Independence Day, is this coming Monday and many businesses will be closed to observe the holiday.

Here is a look at the services banks and financial institutions will offer over the upcoming holiday period.

Which Banks Are Closed on the Fourth of July?

July 4th is a U.S. federal holiday and a Bank Holiday which means non-essential federal government offices will be closed alongside almost every bank in the country.

According to GOBankingRates, the banks listed below will be closed, meaning Tuesday 5th will be the first business day of the week.

  • Bank of America
  • BB&T
  • BBVA
  • BMO Harris Bank
  • Chase
  • Citizens Bank
  • City National Bank
  • First Citizens Bank
  • HSBC
  • Huntington
  • KeyBank
  • M&T Bank
  • PNC Bank
  • Regions
  • Santander Bank
  • SunTrust
  • TD Bank
  • Union Bank
  • U.S. Bank
  • Wells Fargo
  • Westfield Bank
  • Zions Bank

Even if your local bank isn't on the list, it will probably be closed so be sure to check with your local branch before planning a visit. Any banks that happen to be open will probably be operating with heavily modified hours.

Will ATMs Still Be Working?

If you need cash over the holiday, you will still be able to access your account and withdraw money at your bank's ATM. Some ATMs also have deposit facilities, so you may still be able to deposit cash without the help of bank staff.

Mobile and Online Banking

Mobile and online banking are convenient alternatives to in-person banking and allow you to complete financial transactions from the comfort of your own home, 24 hours a day, seven days a week, even on a holiday.

Most banks have apps that can be downloaded onto your mobile device and will allow you to check your balance, move money, organize accounts and set up payments. You can even deposit checks into your account by entering the amount and taking a picture of the endorsed check with your phone to complete the transaction.

Similarly, most banks have websites where you can also manage your accounts. Both these options could require prior set-up through your bank, so make sure to register before July 4th to be sure you're not caught out.

There are also banks that operate strictly online and these will also be available on July 4th.

U.S. Stock Market and Trading

The U.S. stock market will be closed, including the New York Stock Exchange Market and Nasdaq, meaning that trades will not be processed on July 4th and will have to be completed by Friday, July 1st or moved to Tuesday, July 5th.

The cryptocurrency market will be operational and trading as normal, even though it may see less activity than usual.

American flag on blue building background
A view of an American flag against blue buildings. Most banks are closed on U.S. federal and bank holiday's. Getty Images