Most banks are closed on Independence Day, but in 2026 July 4 falls on a Saturday, so there’s no extra weekday closure for Friday, July 3. The Federal Reserve holiday schedule shows banks close on July 4 itself, and some banks note that weekend holidays are observed differently when the date lands on Saturday or Sunday.

What that means

  • Saturday, July 4, 2026: Banks are closed for the holiday, especially branches that normally open on Saturdays.
  • Friday, July 3, 2026: Many banks are open normally because the holiday falls on Saturday this year.
  • Monday, July 6, 2026: Banks should be open as usual.

Practical note

ATMs, mobile banking, and online banking usually still work even when branches are closed, though some transfers or deposits may not process until the next business day.

Quick answer

If you’re asking about the 4th of July in 2026, the main bank closure is on Saturday, July 4 itself, not on Friday, July 3.