Are Banks Closed on the 4th of July 2025?

The 4^th of July is a holiday where many people get a day off from work to celebrate. However, since Independence Day falls on a Tuesday, some people may want to run errands. If you’re among them, you may be wondering, “Are banks closed on the 4^th of July 2025?” If so, here’s everything you need to know.

Are Banks Closed on the 4th of July, 2025?

Yes, banks are closed on the 4^th of July. While banks aren’t required to close on federal holidays, they typically do, including on Independence Day. As a result, you won’t be able to head to the bank on Friday, July 4, 2025, even though that’s a day of the week when banks are usually open.

Are Credit Unions Closed on the 4^th of July, 2025?

Like banks, most credit unions close on federal holidays. Since that’s the case, expect them to close on Independence Day, even with the holiday falling on a Tuesday.

Banking Services Available on the 4^th of July

While bank and credit union branches are primarily closed on the 4^th of July, that doesn’t mean you can’t get some banking activities handled. ATMs located outside of secured branches are available, giving you a place for withdrawals, deposits, and transfers, as well as bill-paying services at locations that support them through kiosks. Additionally, online banking services are usually available. You can check balances, transfer funds, make deposits, and schedule bill payments.

Just be aware that some online or ATM activities may not start processing until the next business day. In this case, that means Friday, July 5, 2025. If you have an urgent matter, it’s best to head to the bank or credit union before the 4^th of July, ensuring the transaction can start processing (and potentially complete) before the holiday.

2025 Bank and Credit Union Holiday Schedule

Every bank and credit union has the option of setting its own holiday schedule, but most choose to follow the federal one. Since that’s the case, you can use the federal holiday schedule to predict bank and credit union closures.

Here is a list of 2025 bank and credit union holidays:

New Year’s Day – Wednesday, January 1
Martin Luther King, Jr. Day – Monday, January 20
President’s Day – Monday, February 17
Memorial Day – Monday, May 26
Juneteenth – Thursday, June 19
Independence Day – Friday, July 4
Labor Day – Monday, September 1
Columbus Day – Monday, October 13
Veterans Day – Tuesday, November 11
Thanksgiving Day – Thursday, November 27
Christmas Day – Thursday, December 25

It’s also important to note that banks and credit unions typically close on Sundays. As a result, they’re closed on Easter, Mother’s Day, and Father’s Day every year.

Have you ever needed to head to the back on a holiday only to find it was closed, or have holiday bank closures never been an issue? Do you think it makes sense that banks are closed on the 4^th of July, or do you feel they should be open? Share your thoughts in the comments below.

Amanda Blankenship

Amanda Blankenship is the Chief Editor for District Media. With a BA in journalism from Wingate University, she frequently writes for a handful of websites and loves to share her own personal finance story with others. When she isn’t typing away at her desk, she enjoys spending time with her daughter, son, husband, and dog. During her free time, you’re likely to find her with her nose in a book, hiking, or playing RPG video games.