Are Banks Open on July 3?

Father and daughter holding American flag.Independence Day — a federal holiday that celebrates America’s independence from Great Britain — is celebrated on July 4 every year. Although the day prior is not an official holiday, many people might be curious if banks are open on July 3 or if they are closed just before the Fourth.

Keep reading to see if your bank is open on July 3, which falls on a Friday this year. Here’s what you’ll find in this guide:

Are Banks Open on July 3?

Regarding holidays, banks typically follow the Federal Reserve’s lead. When federal holidays fall on Saturday, as is the case this year with Independence Day, the Fed’s policy is to keep all of its banks and branches open on Friday and closed the following Monday. While some banks observe the preceding Friday when July 4 is on Saturday, you will still find many banks open on July 3.

So if you’re wondering whether banks are open July 3, the short answer is: It’s up to them. Banks can open or close their branches any day they like. You should check with your bank to make sure it is indeed open so that you don’t make a trip in vain.

Find Out: How To Find No-Fee Free ATMs Near You

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Banks Open on July 3

If you need to visit your bank on July 3, you’re probably in luck. Because the Friday before Independence Day is not a bank holiday, most institutions will conduct business as usual. Even if your bank is not on the following list, it will likely be open. Before you head out, call your local branch to confirm its schedule.

These banks will definitely be open on July 3:

Check Out: Best Online Banks of 2020

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How To Bank on July 3

Since most banks are open on July 3, you can likely get assistance at a branch as usual. If for some reason your bank is closed, you still have the following options:

  • Use your bank’s online banking platform or mobile app.
  • Use a mobile payment app, such as Zelle or Venmo.
  • Visit an ATM.
  • Call your bank’s customer service line if it’s open.

Between all of these options, you should be able to take care of most of your financial needs, whether you need to obtain basic information or make a deposit, withdrawal or transfer.

Also See: 9 Best Mobile Banking Apps — Functionality and Convenience To Manage Your Money

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Upcoming Bank Holidays in 2020

According to the Fed, most banks will be closed on the following holidays this year:

  • July 4: Independence Day
  • Sept. 7: Labor Day
  • Oct. 12: Columbus Day
  • Nov. 11: Veterans Day (most banks)
  • Nov. 26: Thanksgiving Day
  • Dec. 25: Christmas Day

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More Bank Holidays

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

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

This article has been updated with additional reporting since its original publication.

This article originally appeared on Are Banks Open on July 3?

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