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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.

The services that banks and other financial institutions will provide over the forthcoming Christmas season are listed below.

Which Banks Are Closed on July 4th?

Since July 4th is a federal holiday in the United States and a bank holiday, practically all banks nationwide will be closed as well as non-essential federal government offices.

The banks listed below will be closed, therefore Tuesday, May 5, will be the first business day of the week, according to GO Banking Rates.

  • 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
  • S. Bank
  • Wells Fargo
  • Westfield Bank
  • Zions Bank

Even if your local bank isn’t on the list, it’s likely to be closed, so make sure to call ahead to the branch before making travel plans. Any operational banks will likely have drastically altered hours of operation.

Are Banks Open on July 5th? (2022)

On July 5, you have a chance to visit the bank if you need to. Banks were closed on July 5 in 2021, however, this was because it was the weekend before the Fourth of July holiday. Banks will be closed on July 4 due to the Fourth of July falling on a Monday this year. Regular business hours will resume on Tuesday, July 5.

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A view of an American flag against blue buildings. Most banks are closed on U.S. federal and bank holiday’s.

Will ATMs Still Be Working?

You will still be able to log into your account and use the ATM at your bank if you need cash over the holiday. You could still be able to deposit cash without the assistance of bank staff because certain ATMs also feature deposit options.

Mobile and Online Banking

You can conduct financial transactions from the comfort of your home whenever you choose, day or night, seven days a week, including on holidays, with the help of mobile and internet banking, which are convenient alternatives to in-person banking.

The majority of banks offer mobile apps that you can download to your smartphone and use to check your balance, transfer funds, organize your accounts, and make payments. Even better, you can deposit checks into your account by entering the amount and finishing the transaction by snapping a photo of the endorsed check on your phone.

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