what day are banks closed for 4th of july 2026

Banks are generally closed on Saturday, July 4, 2026 for Independence Day, and because it falls on a Saturday, many banks do not observe a Friday closure instead. The Federal Reserve’s holiday schedule lists Independence Day on July 4, and AARP notes that when a holiday falls on Saturday, banks typically do not close the preceding Friday.

What that means

• Saturday, July 4: branches are usually closed.

• Friday, July 3: usually open for regular banking at most institutions.

• ATMs and online banking: typically still available.

One exception

Some banks can have their own holiday schedules, so a specific branch may differ from the general rule. City National Bank, for example, says it will be closed on Saturday, July 4, 2026.

TL;DR: For 4th of July 2026, expect banks to be closed on Saturday, July 4 , not on Friday, July 3.