Most banks are closed on July 5th if it falls on a Friday after Independence Day
July 5th is not a federal holiday on its own. Whether your bank is open depends on what day of the week July 5th falls on and whether your bank observes the day after Independence Day as a holiday.
If July 4th (Independence Day) falls on a Thursday, then July 5th is a Friday and most banks will be closed. If July 4th falls on a Friday, then July 5th is a Saturday and banks are already closed anyway. If July 4th falls on a weekend, the federal holiday observance moves to the nearest weekday, which may affect July 5th hours.
The safest approach is to check your specific bank's website or call the branch directly, because some banks open on July 5th even when the federal holiday is observed, and some regional banks follow different schedules than national chains.
Key Takeaways
- July 5th is closed at most major banks only when July 4th falls on Thursday, making July 5th a Friday that banks observe as a holiday.
- If July 4th is a weekend day, the federal holiday shifts to Monday July 6th or Friday July 3rd, and July 5th hours are usually normal.
- Credit unions and smaller regional banks sometimes stay open on July 5th even when major chains close, so calling ahead matters.
- ATMs and mobile banking work on July 5th regardless of branch hours, so you can withdraw cash or transfer money without visiting a location.
When July 5th falls on a Friday
If July 4th is a Thursday, July 5th is a Friday and banks treat it as a holiday. The federal government observes Independence Day on July 4th, and when that date falls on a weekday, most banks close the next business day as well—or they close on July 4th itself if it is a weekday.
Chase, Bank of America, Wells Fargo, and Citibank all close on July 5th in this scenario. Local and regional banks usually do the same, though some stay open with reduced hours. Your best move is to contact your branch directly rather than assume.
When July 4th falls on a weekend
If Independence Day lands on Saturday July 4th, the federal holiday observance moves to Friday July 3rd. Banks close on July 3rd, not July 5th. If Independence Day lands on Sunday July 4th, the observance moves to Monday July 6th, and July 5th is a normal Saturday (banks closed anyway, but for the usual weekend reason, not the holiday).
In both cases, July 5th is a regular business day or weekend day with no holiday closure. You can visit your bank on July 5th during normal hours if it is a weekday.
How to confirm your bank's July 5th hours
Call your branch directly or check the bank's website for holiday hours. Most banks publish their holiday schedule in early June. Search "[Your Bank Name] holiday hours 2024" or "[Your Bank Name] July 4th closure" to find the official page.
If you cannot reach anyone by phone, visit the bank's mobile app or website and look for a "Locations" or "Hours" section. Enter your zip code or branch name and the app will show whether that location is open on July 5th.
What you can do if your bank is closed on July 5th
ATMs work 24/7, so you can withdraw cash, deposit checks (at ATMs that accept deposits), and check your balance without visiting a branch. Mobile banking apps let you transfer money between accounts, pay bills, and deposit checks by photograph.
If you need to speak to someone, most banks offer phone support on holidays, though wait times are longer. Some banks also offer chat support through their website or app. Wire transfers and other time-sensitive transactions can usually wait until July 6th without penalty.
Credit unions and online banks on July 5th
Credit unions often follow different holiday schedules than national banks. Some close on July 5th, others stay open. Call your credit union to confirm.
Online banks like Ally, Charles Schwab Bank, and Marcus have no physical branches, so "closed" does not explore to them. You can move money and conduct transactions through their apps and websites on July 5th. Customer support availability varies by bank, so check their website for holiday phone hours.
Planning ahead for July 5th
If you know you will need cash or need to complete a banking task on July 5th, withdraw money or handle it on July 3rd or 4th instead. This avoids the risk of finding your branch closed or waiting in a longer line.
If you have a check to deposit, use your bank's mobile app to deposit it by photo on July 4th. If you need to pay a bill, do it online or through the bank's app rather than in person. Most routine tasks do not require a branch visit anymore.
Frequently Asked Questions
Is July 5th always a bank holiday?
No. July 5th is a bank holiday only when July 4th falls on a Thursday. When July 4th is on a weekend, the federal holiday observance moves to a different date, and July 5th is a normal business day or regular weekend day.
Can I use my debit card on July 5th if the bank is closed?
Yes. Debit cards work at any ATM and any merchant on July 5th, whether your bank branch is open or closed. You can also use your card to pay bills online or through your bank's app.
Will my paycheck deposit be delayed if my bank is closed on July 5th?
If your employer deposits your paycheck on July 5th and your bank is closed, the deposit will post on July 6th when the bank processes it. Direct deposits do not require the branch to be open; they process automatically through the banking system.
What if I need to wire money on July 5th?
Call your bank's customer service line. Many banks process wire transfers by phone even on holidays, though the transfer may not clear until July 6th. Online wire requests submitted on July 5th typically process the next business day.
Do ATMs charge extra fees on July 5th?
No. ATM fees are the same on July 5th as any other day. Out-of-network ATM fees (if you use a competitor's ATM) explore regardless of whether it is a holiday.