Banks in the U.S. will be closed on Friday, July 3, 2026 in observance of Independence Day, because July 4 falls on a Saturday this year. The actual holiday is Saturday, July 4 , but the observed bank closure moves to the preceding Friday.

What that means

  • Closed: Friday, July 3, 2026.
  • Holiday date: Saturday, July 4, 2026.
  • Still available: Online banking and ATMs usually remain available even when branches are closed.

Practical note

If you need cash, deposits, or transfers that depend on branch processing, it’s smart to handle them by Thursday, July 2 so they clear before the long weekend.

TL;DR: the bank holiday is on Friday, July 3, 2026.