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July 4

Are Banks Open on 4th of July 2019?

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are banks open on 4th of july
Independence Day is widely observed in most of the United States. Since it is a federal holiday, the majority of banks and credit unions will be closed, as well as many other establishments such as the post office, stock market, and some other businesses. Where banks and credit unions are concerned, there are a few exceptions, if you’re wondering, “are banks open on 4th of July.”

CIT Bank Money Market Account

Although there are a few banks and credit unions open, these tend to be smaller regional banks or bank branches which happen to be located in grocery stores, which will be open for the holiday. These institutions will also usually be running on shorter holiday hours for the day, not their regular Tuesday hours. Because they can vary from location to location, if you plan to visit any of the institutions below, call to confirm they will be open and their hours.

Are Banks Open on 4th of July?

A handful might be open, but usually only in specific locations for limited hours.

  • Central Pacific Bank: CPB is a bank located in Hawaii. They will have select branches open on the Fourth of July during limited holiday hours from 10:00 AM to 4:00 PM.
  • First Convenience Bank: FCB is a bank located in Texas which will have its bank branches on Independence Day from 9:00 AM to 5:00 PM.
  • Metro Bank: Is a local bank in Harrisburg, PA. Metro will have its drive-thru and its downtown branch open for business for limited hours (from 7:30 AM to 1:00 PM) on Tuesday, July 4.
  • PNC Bank: Stand alone branches will be closed, but some PNC branches located in grocery stores will be open for limited hours. These vary depending on the supermarket location, so it’s important to contact that branch directly to confirm the hours.
  • US Bank: Some US Bank grocery store branches will be open for business on the Fourth of July for limited hours. These will vary, so it’s important to contact your local supermarket branch to confirm if that one will be open and during what hours.

Credit Unions Open on 4th of July

  • Fort Financial Credit Union: This credit union in Indiana has a number of grocery store branches in Meijer supermarkets. These will be open from 11:00 AM to 5:00 PM on July 4, but not the stand-alone branches.
  • Landmark Credit Union: The grocery store branches of this credit union (not stand-alone branches) will be open from 9:00 AM to 1:00 PM on the Fourth of July.

It’s important to remember that just because your bank will be closed for the July 4th holiday, it doesn’t mean that you won’t be able to do any banking at all. Most bank ATMs will allow you to perform basic banking transactions and are open 24 hours a day, seven days a week, 365 days a year. If you have to do a simple withdraw or deposit, you should be able to use your bank’s ATM.

Nowadays, you can also do most of your banking online or through the bank’s mobile app. You can make transfers, pay bills and manage your money online. If you think you need to go into the bank and are unsure of your bank’s holiday hours, the bank’s website will also be able to give you information regarding their Fourth of July hours.

The following banks will be closed on the Fourth of July:

  • JP Morgan Chase
  • Bank of America
  • Wells Fargo
  • Citigroup
  • HSBC
  • Bank of New York Mellon
  • SunTrust
  • State Street
  • Capital One
  • BB&T
  • Toronto-Dominion
  • Royal Bank of Scotland
  • Regions Financial
  • Fifth Third Bank
  • ING
  • KeyCorp
  • Northern Trust
  • Bank of Montreal
  • Bank of the West
  • Union Bank
  • Allied Irish
  • Comerica
  • Zions Bank

If your bank is not listed, it doesn’t mean that they are not open on the Fourth of July. If you are wondering about a specific bank and location, give the institution a call and verify their holiday hours.

(Photo courtesy of Steve Trottier)

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What’s Open and What’s Closed on July 4th 2019?

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whats open July 4th
Independence Day is just around the corner. If you’re planning on spending time away from the backyard barbecue, it’s good to know which businesses are and aren’t open on July 4. With July 4 landing on a Thursday this year, it can get a bit confusing figuring out what’s open July 4th.

What’s Open July 4th, 2019?

As a general rule, retailers will be open (with exceptions), and government offices will be closed for the day. Below you’ll find what’s open on July 4th in 2019, but it’s always a good idea to confirm with anyplace you plan to go to verify that they will be open, as there can be exceptions.

Major Retail Stores

Most large retail stores are open. Most retailers will be open on July 4, with many offering special sales over the 4th of July weekend. This includes stores like Target, Walmart, and Home Depot. A major exception will be Costco, which won’t open its doors on Independence Day. For those of you planning to shop all the sales, keep in mind that a deal isn’t a deal no matter what the price is if it’s something you wouldn’t have purchased for full price.

Food and Grocery Stores

Grocery stores are open. All major grocery store chains will have their stores open if you need last minute barbecue food for the family. Some will be operating on Sunday or holiday hours rather than their regular hours, so call ahead if you need to drop by outside the core daily hours to make sure they are open. Smaller, independent grocery stores may or may not be open for the day, depending on their locations. You should call to verify if they will be open or not if you plan to stop by one of them.

Drugstores

Drugstores are open. All the major drugstore chains will be open for the holiday. This includes the big three of CVS, Rite-Aid, and Walgreens, and they will all likely have sales to coincide with the holiday as well. If you regularly visit a local or independent drugstore, they should be open as well, but it’s best to call and confirm before making a trip to see them.

Government Offices (Federal, State, and Local)

Government offices are closed. The vast majority of government offices are closed July 4th. Since the holiday lands on a Thursday this year, government offices might also close early on the 3rd and close the 5th. For the most part, all non-essential government offices such as courts, departments of motor vehicles, and Social Security offices will be closed for the day. Those government offices deemed vital to safety and security, such as police departments, fire stations, and air traffic controllers will continue to run.

U.S. Stock Market

Stock markets are closed. It’s going to be a short week for stocks. All U.S. stock markets will be closed on Thursday, July 4, for Independence Day. They will also be closed over the weekend, as usual.

Banks and Credit Unions

Banks and credit unions are closed. All banks and credit unions will close shut their local branches on Thursday, July 4, so you need to get any banking taken care of at the branches before then. Some banks might also be closed Friday.

While the banking branches will be closed for the day, you can still do most basic banking transaction either through the bank’s ATMs or at their website. These run 24/7 and will be working even on the holiday. Just be sure to note any transactions done on the holiday may not post to your account until the next business day.

Post Offices

Post offices are closed. July 4, being an official federal holiday, means post offices will be closed. Mail will also not be delivered on Thursday.

Public and Private Schools

Schools are closed. Since July 4 is a time when schools are usually out for summer vacation, this isn’t really an issue for most. It’s good to note, however, that most public and private schools will typically observe federal holidays, and be closed for them.

Libraries

Libraries are closed. The vast majority of libraries will close to observe federal holidays, so they will be closed on Thursday.

Garbage Service

Garbage service is closed. Garbage service won’t be in service on Thursday. Many services expected on Thursday will be moved to Friday.

Restaurants

In most cases, restaurants are open. Most major restaurant chains will be operating and open on Independence Day. Smaller restaurants which are independently owned may close for the day, so it’s best to contact them directly if you want to dine at them on Thursday.

Gas Stations

Gas stations are open. Gas stations should be operating during the day to cater to all those traveling for the holiday weekend. If there’s an exception and one is closed, there should be plenty of others in the area still open, so finding gas shouldn’t be an issue as you travel. Gas stations which are generally not open 24 hours will likely be on holiday or Sunday business hours.

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(Photo Credit: Flickr.com/ Beverly & Pack)

Dow Tops 17,000 and S&P 500 Hits Record High in Short Week of Trading

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Dow Jones industrial average and S&P 500 index end week at record highs
A short week for stocks couldn’t dampen trader’s spirits as both the Dow Jones industrial average and S&P 500 index hit new all-time highs in the week leading up to the Fourth of July. With stock markets taking a break to celebrate Independence Day on Friday, the Dow managed to top 17,000 for the first time ever for the last trading day this week, spurred to new heights by a June jobs report that came in stronger than expected. Stocks managed to add an extra $200 billion to their worth during the week.

The Dow ended the day up 22.02 points for a 0.54% gain. That left the Dow at a record 17,068.26 when trading ended, and a 1.3% gain from 16,851.84 points where it ended last week. It took it less than a year (227 days) to reach the milestone from when it sat at 16,000 points. It was the third day in the row the Dow managed to reach a record high. Even as it surpassed the 17,000 point mark, the Dow is actually under-performing both the S&P 500 and NASDAQ for the year. It’s up 3% since January, but both the S&P 500 and NASDAQ have managed gains of over 7% during the same time period.

The S&P 500 rose 10.82 points for a 0.55% gain for the day. It’s quickly approaching the 2,000 point mark, and ended the week at 1,985.44. That was a 1.25% gain for the week, and also the third straight record high for the index.

The NASDAQ Composite didn’t reach an all-time high, something we’re not likely to see for some time, due to the soaring heights when it closed above 5,000 during the dot-com bubble. It was up 28.19 points for the day for a 0.63% increase, for the highest level it’s been in 14 years. That left it at 4485.93 as the session ended, and 2% up for the week. Although it didn’t manage to reach a record high, the NASDAQ has managed to post a gain for seven out of the last eight weeks, and is up over 10% over the last two months.

The last day of the week the stock rally came primarily due to a jobs report for June which came in stronger than expected. Economists had expected a gain of 212,000 jobs for the month, but the economy actually added 288,000 in June. At the same time, the US unemployment rate hit its lowest level since September 2008 as it decreased to 6.1%. Both numbers encourage traders to see the US economy a solid foundation in place for strong US economic expansion in the second quarter, after a subpar start to the year.

(Photo courtesy of Dan Nelson)

July 4: What’s Open and What’s Closed on Independence Day 2017

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What's open and what's closed on Independence Day
This article has been updated for July 4, 2017

Independence Day is just around the corner. For those who are planning to spend some time away from the backyard barbecue, it’s good to know what businesses are and aren’t open on Indepedence Day. With July 4 landing on a Tuesday this year, it can get a bit confusing as to what will still be open, and what will be closed for the day. As a general rule, retailers will be open (with exceptions) and government offices will be closed for the day. Below you’ll find what is and isn’t open for the Fourth of July in 2017, but it’s always a good idea to confirm with anyplace you plan to go to verify that they will be open, as there can be exceptions.

Major Retail Stores

Most large retail stores are open. Most retailers will be open on July 4, and many of them will be holding special sales over the Fourth of July weekend. This includes stores like Target, Walmart and Home Depot (here’s a larger list). A major exception will be Costco, which won’t open its doors on Independence Day. For those of you planning to shop all the sales, keep in mind that a deal isn’t a deal no matter what the price is, if it’s something you wouldn’t have purchased for full price.

Food and Grocery Stores

Grocery stores are open. If you are in the need of some last minute barbecue food for the family, all major grocery store chains will have their stores open on Independence Day. Some will be operating on Sunday or holiday hours rather than their regular hours, so call ahead if you will be dropping by outside the core daily hours to make sure they will be open. Smaller, independent grocery stores may or may not be open for the day depending on where they are located. You should call to verify if they will be open or not if you plan to stop by one of them.

Drugstores

Drugstores are open. All the major drugstore chains will be open for the holiday. This includes the big three of CVS, Rite-Aide and Walgreens, and they will all likely have sales to coincide with the holiday as well. If you regularly visit a local or independent drugstore, they should be open as well, but it’s best to call and confirm before making a trip to see them.

Government Offices (Federal, State and Local)

Government offices are closed. The vast majority of government offices will be closed on Tuesday July 4th, 2017.  This includes all non-essential government offices such as courts, departments of motor vehicles and social security offices. They will be closed for the day. Those government offices deemed vital to safety and security such as police departments, fire stations, and air traffic controllers will continue to run.

US Stock Market

Stock markets are closed. It’s going to be a short week for stocks. All US stock markets will be closed on Tuesday, July 4 for Independence Day. They will also be closed over the weekend, as usual.

Banks and Credit Unions

Banks and credit unions are closed. All banks and credit unions will shut down their local branches on Tuesday July 4, so you need to get any banking that needs to get done at the branch offices done before then.

While the banking branches will be closed for the day, you can still do most basic banking transaction either through the bank’s ATMs or at their website. These run 24/7 and will be working even on the holiday. Just be sure to note any transactions done on the holiday may not post to your account until the next business day.

Post Offices

Post offices are closed. July 4, being an official federal holiday, means post offices will be closed.

Public and Private Schools

Schools are closed. Since July 4 is a time when schools are usually out for summer vacation, this isn’t really an issue for most. It’s good to note, however, that most public and private schools will typically observe federal holidays, and be closed for them.

Libraries

Libraries are closed. The vast majority of libraries will close to observe federal holidays, so they will be closed on Tuesday.

Garbage Service

Garbage service is closed. Garbage service won’t be gathering on Tuesday July 4th.

Restaurants

In most cases, restaurants are open. Most major restaurant chains will be operating and open on Independence Day. Smaller restaurants which are independently owned may close for the day, so it’s best to contact them directly if you want to dine at them on Tuesday.

Gas Stations

Gas stations are open. Gas stations should be operating during the day to cater to all those traveling for the holiday weekend. If there’s an exception and one is closed, there should be plenty of others in the area still open, so finding gas shouldn’t be an issue as you travel. Gas stations which are not normally open 24 hours will likely be on holiday or Sunday business hours.

(Photo courtesy of Beverly & Pack)