Are Banks Open on July 3rd or July 4th in 2026?
Independence Day is almost here, which has many wondering if banks are open on Friday, July 3, or Saturday, July 4.
Are banks open on July 3rd or July 4th in 2026? 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 Fourth of July falls on a Saturday this year, which means banks with Saturday hours will be closed on July 4. However, many banks will remain open on Friday, July 3, even though it is observed as a federal holiday in 2026.
It's best to check your own branch to see what their operating hours will be this holiday weekend.
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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 exploring ways to protect your wealth against inflation or double-checking to see if your income investments are in the most tax-efficient accounts.
For those wondering "is the stock market open on July 4th," the answer is no. The stock market is also closed on July 3rd, which is one of many stock market holidays in 2026. Bond traders also get a long weekend.
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 Standard Time Monday through Friday.
Below, we feature a full schedule of all U.S. bank holidays for 2026.
2026 bank holidays
Date | Day | Holiday |
January 1 | Thursday | New Year's Day |
January 19 | Monday | Martin Luther King, Jr. Day |
February 16 | Monday | Presidents' Day/Washington's Birthday |
May 25 | Monday | Memorial Day |
June 19 | Friday | Juneteenth National Independence Day |
July 4 | Saturday | Independence Day |
September 7 | Monday | Labor Day |
October 12 | Monday | Columbus Day/Indigenous Peoples' Day |
November 11 | Wednesday | Veterans Day |
November 26 | Thursday | Thanksgiving Day |
December 25 | Friday | Christmas Day |
* This is the recommended bank market holiday schedule from the Federal Reserve. This schedule is subject to change.
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