MIAMI, Florida – Independence Day is a holiday in the United States commemorating colonial America’s Declaration of Independence from Britain, ratified by the Second Continental Congress on July 4, 1776.
In 2025, Independence Day falls on Friday, July 4.
In 1870, Congress made Independence Day an unpaid federal holiday. The holiday is observed on the 4th of July unless it falls on a Saturday or Sunday, in which case it is observed on either Friday or Monday, whichever is closest to the 4th.
Below is a list of banks that are closed on Independence Day, Friday, July 4, 2025.
Most banks will be closed on Friday, July 4, because it is a federal holiday and the Federal Reserve Bank is closed on Independence Day 2025. It is always best to call ahead to the local bank branch near you to be sure of their status on Independence Day 2025.
Because Independence Day is a federal holiday, this can delay when bank deposits are credited to your account, depending on your bank’s holiday deposit schedule. This includes deposits made by customers, payroll deposits, and other direct deposits such as Social Security deposits that will be made on Independence Day, Friday, July 4, 2025, but may not be credited to some bank accounts until Monday, July 7, 2025, or later.
Most banks will be closed on Independence Day, including Ally Bank, Bank of America, Capital One, Chase Bank, Citibank, Fifth Third Bank, HSBC, Huntington National Bank, PNC Bank, Regions Banks, SunTrust Bank, TD Bank, and Wells Fargo.
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