Are Banks Open on Fourth of July?
Fourth of July 2027: Sunday, July 4, 2027
No
Banks are closed on the Fourth of July.
The Fourth of July 2027 falls on a Sunday, so it is observed the next day. Banks are closed on Monday, July 5, 2027.
What's open and closed on the Fourth of July 2027
| Bank branches | Closed Mon, Jul 5 |
|---|---|
| Federal Reserve, ACH and wires | Closed, transfers wait until the next business day |
| ATMs, mobile and online banking | Open |
| Stock market (NYSE, Nasdaq) | Closed |
| Post office (USPS) | Closed, no mail delivery |
Are banks closed on the Fourth of July?
All major banks close for the Fourth of July, and no transfers settle. Some branches close early on July 3, so plan ahead if you need a teller.
About Fourth of July
Independence Day, July 4, celebrates the signing of the Declaration of Independence in 1776. When the Fourth falls on a Sunday, banks close Monday, July 5. When it falls on a Saturday, there's no weekday closure.
Tips
- The stock market usually closes early (1 p.m. ET) on July 3 when it is a weekday.
- Fireworks stands take cash, so hit the ATM early.
Fourth of July dates and bank status, 2026–2029
| Year | Date | Banks |
|---|---|---|
| 2026 | Saturday, July 4 | Open (no weekday closure) |
| 2027 | Sunday, July 4 | Closed Mon, Jul 5 |
| 2028 | Tuesday, July 4 | Closed Tue, Jul 4 |
| 2029 | Wednesday, July 4 | Closed Wed, Jul 4 |
Frequently asked questions
Are banks open on the Fourth of July?
Banks are closed on the Fourth of July. The Fourth of July 2027 falls on a Sunday, so it is observed the next day. Banks are closed on Monday, July 5, 2027.
Are banks closed on the Fourth of July 2027?
The Fourth of July 2027 falls on a Sunday, so it is observed the next day. Banks are closed on Monday, July 5, 2027.
Is the stock market open on the Fourth of July?
The NYSE and Nasdaq are closed on the Fourth of July 2027.
Is the post office open on the Fourth of July?
USPS post offices are closed, no mail delivery on the Fourth of July 2027.
Will my direct deposit arrive on the Fourth of July?
No ACH payments settle on the Fourth of July because the Federal Reserve is closed. Many employers send pay the business day before; otherwise it arrives the next business day.
Next bank holidays
- Veterans DayWed, Nov 11, 2026
- ThanksgivingThu, Nov 26, 2026
- Christmas DayFri, Dec 25, 2026
- New Year's DayFri, Jan 1, 2027