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Are Banks Open on Independence Day 2016?

By , June 29th, 2015 | 7 Comments »

Find out which banks are opened and closed on July 4th.Having the money you need to fund the activities you engage in this holiday weekend is very important. Many festive outdoor events favor cash purchases so it’s a good idea to prepare your finances before the big day. But will your bank be open or closed this Independence Day?

While most people really do want it to be easy to get their hands on their own money when they need it, this could be a problem around the holidays with the bank branch closings in honor of the Federal Holiday. Since the 4th of July falls on a Monday, many banks will be closed on that day.

Here’s what you can expect as far as banking hours this holiday.

Banks Open on Friday, July 1st

Most banks will be open on Friday, July 1. The holiday will be recognized on Saturday, Sunday and Monday by most institutions.

Do keep in mind that just because your bank is closed does not mean that you won’t be able to perform banking activities at your local ATM or through your online banking portal. There are also a limited number of banks open on Sundays.

Banks that Will Be Open on July 4th

  • US Bank: When it comes to US Bank, some of their grocery store branches may be open for business on Independence Day with limited hours.
  • PNC Bank: Some branches will be closed, but a select few PNC’s located in grocery stores may be open for limited hours on Independence Day. It’s not a guarantee that these will be open so you’ll need to contact that branch to verify the hours.
  • TCF Bank: Most locations are Monday, but some of the branches that are open inside of your local Jewel stores will be open.
  • First National Bank of Texas: Will be open Monday but will have reduced hours and will close around 5 PM.

Credit Unions

Credit unions are comparable to banks and follow the same holiday calendar a good portion of the time. They are also usually open on Mondays, but credit unions will be closed for the third and Fourth of July in 2016.

With all of these closures, please note that a lot of simple banking transactions can still be performed either at the institution’s ATM or through its’ website. 

Here are the banks that will be closed on Independence Day:

  • Fifth Third Bank
  • HSBC
  • ING
  • SunTrust
  • Capital One
  • JP Morgan Chase
  • Bank of America
  • Wells Fargo
  • Citigroup
  • BB&T
  • Union Bank
  • Comerica
  • Zions Bank
  • Bank of the West
  • Regions Financial
  • KeyCorp
  • Northern Trust

If you’re still wondering whether your bank will be open or closed this July 4th try checking your banks websites for their updated holiday hours.

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  • Jennifer says:

    I have to laugh every time I read one of these articles. People actually go into banks and deal with tellers these days? Are they technophobes or just really old and don’t know how to use a bank app or computer? They might want to join the technology age.

    • Dean says:

      Just because you don’t have to go inside a bank doesn’t mean that nobody does. I need to go to talk to someone in person about one of my accounts, but I can only do this on Saturday due to work. Knowing they’re closed saves me from making a trip there only to find the bank is closed. Maybe some of these young people who think they know everything should wait until they have a little more knowledge of the real world before making sarcastic remarks about something they seem to know very little about.

    • Melanie says:

      Those of us who get paid (electronically) on Fridays also need to know if our bank is open or closed on July 3rd because if it is, we would get paid on Thursday…so there is another very good reason to need to know.

    • Louis says:

      It’s not that they are technophobes or really old. It’s that they aren’t introverts whose lives revolve around computers.

    • FedUP says:

      Oh goodness lady, there are some of us who PREFER to talk to someone – to ACTUALLY SEE SOMEONE! God forbid if you ever had a major problem with your account and you have to deal with a machine. I swear, these YOUNG people are going to be the death-nail to everything.

    • ExpatJohn says:

      Apparently I am behind the times and did not know it. I frequently use my computer and phone for many of my banking need, however I have yet to find and “ap” that will allow me to change foreign currency back into US dollars. Maybe she could enlighten me as to how this can be accomplished without actually going in to a branch office, in person.

  • freebird says:

    Looks like banks in Greece will be closed both days, in honor of their independence from the Euro.


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