Are Banks Open on July 4th?

The Fourth of July is almost here, which has many wondering if banks are open on Friday, July 4.

three young girls walking in front of white house holding american flags
(Image credit: Getty Images)

Are banks open on July 4th in 2025? That's a question plenty of folks are asking just ahead of the holiday that commemorates the adoption of the Declaration of Independence in 1776. The answer is no, banks are not open on Friday, July 4.

Many folks will choose to spend the holiday celebrating with family and friends. Those traveling by car to watch Fourth of July fireworks will want to check out these top gas-saving tips that really work.

Others might prefer to take a few minutes reviewing their financial health as we kick off the second half of the year. This can include answering these three questions to see if you're really ready to retire this year.

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Folks can also create an estate-planning checklist. "Most people believe that once they've set up a will or living trust, their estate plan is complete. But here's the truth: Legal documents alone don't tell the full story," writes Eric W. Bond, president and founder of Octave Wealth Management in "From Wills to Wishes: An Expert Guide to Your Estate Planning Playbook."

As for the Fourth of July, bankers are not the only ones who get to enjoy a late-week break. For those wondering "is the stock market open on July 4th," the answer to that is no. The Fourth of July is one of many stock market holidays in 2025. Bond traders also get the day off. 

Anyone curious about what time does the market open for regular trading hours, both the Nasdaq Stock Market and the New York Stock Exchange (NYSE) are open from 9:30 am to 4:00 pm Eastern time Monday through Friday.

Below, we feature a full schedule of all U.S. bank holidays for 2025. 

2025 bank holidays

Swipe to scroll horizontally

Date

Day

Holiday

January 1

Wednesday

New Year's Day

January 20

Monday

Martin Luther King, Jr. Day

February 17

Monday

Presidents' Day/Washington's Birthday

May 26

Monday

Memorial Day

June 19

Thursday

Juneteenth National Independence Day

July 4

Friday

Independence Day

September 1

Monday

Labor Day

October 13

Monday

Columbus Day/Indigenous Peoples' Day

November 11

Tuesday

Veterans Day

November 27

Thursday

Thanksgiving Day

December 25

Thursday

Christmas Day

* This is the recommended bank market holiday schedule from the Federal Reserve. This schedule is subject to change.

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Karee Venema
Senior Investing Editor, Kiplinger.com

With over a decade of experience writing about the stock market, Karee Venema is the senior investing editor at Kiplinger.com. She joined the publication in April 2021 after 10 years of working as an investing writer and columnist at a local investment research firm. In her previous role, Karee focused primarily on options trading, as well as technical, fundamental and sentiment analysis.