Major Banks Closed on July 4th, 2025: What to Expect

Chase will close all of its roughly 4,700 locations. This pause in operations aligns with the federal holiday calendar and will also apply to other major financial institutions.

Bank of America will temporarily close its 3,700 US branches.

Wells Fargo will give its employees the day off, closing all branches.

Impact: No in-branch customer service will be available, and certain online services may experience slowdowns due to high demand or internal system limitations.

ATMs will remain operational, and online banking will still be accessible, some digital services may experience delays in processing transfers, payments, or automatic deposits.

Why this matters: Knowing this helps you plan your banking activities and avoid inconvenience.

Chase

Bank of America

Wells Fargo

Citibank

TD Bank

J.P. Morgan

No in-branch customer service will be available.

Online services may experience slowdowns.

Transactions may not be processed until the next business day.

ATMs will remain accessible.

Online and mobile banking will be available, though potentially with delays.

USPS, UPS, and FedEx will have modified services; USPS Priority Mail Express will still operate.

Federal offices and the stock market will be closed.

Costco will shutter all of its roughly 630 warehouses for 24 hours, and rival Sam's Club will close two hours early in honor of July 4th.

Retailers: Walmart and Target will experience no disruptions to their hours on the upcoming federal holiday. A number of other popular retailers will likewise remain open as normal on Independence Day, including:

Q: Will I be able to use ATMs on July 4th?

Q: Will online banking be available?

Q: Which banks are closed on July 4th?

Plan ahead for bank closures on July 4th, 2025.

Complete in-person transactions before July 3rd.

Utilize ATMs or online banking for urgent needs, but expect potential delays.

Remember that many retailers will remain open, but some may have altered hours.