Are all banks closed on the 4th of July? The holiday falls on a Saturday this year, but the federal holiday is observed on Friday, July 3 — that’s creating just a bit of confusion about when banks will be closed and what hours they will be open as we head into the holiday weekend.
Most banks will be open regular hours on July 3, the day the federal government observes the holiday. On Saturday, July 4, the majority of banks and credit unions will close, but several banking institutions will be open regular business hours or special holiday hours.
If you do your banking at Bank of America, CitiBank, Chase, Citizens Bank, get your banking done on Friday — all branches will be closed on July 4. Check with your local branch for holiday hours — some locations may close early on Friday so their employees can get a jump start on their Independence Day festivities.
According to GoBanking Rates, Wells Fargo will close most branches on both July 3 and July 4. TD Bank is known for being open seven days a week and on select holidays (Martin Luther King Day, Presidents’ Day, Columbus Day, and Veterans Day), all branches will be closed on Saturday, July 4. However, most locations will stay open until 7 p.m. on July 3.
According to the Huffington Post, PNC Bank plans to keep some of its branches open on July 4, and some U.S. Bank branches located in supermarkets and retail stores may be open special holiday hours on Saturday. Call ahead to make the sure the branch near you is open on the 4th of July holiday.
If you don’t get your banking done before the holiday, most banks and credit unions have mobile apps that allow check your balance, make a transfer, or pay a bill using online bill pay while the bank is closed. ATM machines are just about everywhere if you need cash during the holiday weekend, but you can avoid paying a withdrawal fee if you use one that is part of your bank’s network.
Independence Day is a federal holiday, but don’t expect everything to be closed on Saturday. In addition to the two banks that will be keeping their doors open on July 4, most retail stores and restaurants will be open for business. However, all U.S. Post Office locations will be closed, so there won’t be any mail delivery, and you will have to wait until Monday to drop a package off at a USPS branch.
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