Are Banks Open on the Fourth of July?

 

Independence Day is one of the major U.S. holidays and that means many Americans will not be heading to work. Some may need think about using this time to run to the bank to complete an errand or some other financial chore. Because it is a national holiday, nearly all banks will not be open for business.

We contacted most of the largest U.S. banks and here are their holiday schedules for July 4th:

BankStatus (July 4th)
ChaseClosed
Bank of AmericaClosed
Wells FargoClosed
TD BankClosed
PNC BankClosed (except some supermarket branches)
Capital OneClosed
BB&T Closed
SunTrust BankClosed (including in-store branches)
CitibankClosed
M&T Bank Closed
Regions BankClosed
KeyBankClosed
Citizens BankClosed
Fifth Third Bank Closed
BBVA CompassClosed
Comerica BankClosed
Santander BankClosed

Generally, you can expect banks will be closed on the Fourth of July.

There is an may be an exception with certain PNC Bank’s supermarket locations, some of which will continue to operate during the holiday — it’s advised that you call ahead to your location before making the trip.

Other banks with in-store branches, such as SunTrust Bank, will not be open though.

Banking Without a Branch

In the event that you must take care of any financial responsibilities during the holiday, you can still do so with the help of online, mobile and ATM banking.

Online and mobile banking can help you take care of the majority of your banking needs. If you must get cash, head over to an ATM. Bank lobbies and ATMs will operate as usual, even on a holiday.

Online bill pay

If you need to send out a bill payment easily and quickly, consider your bank’s online bill pay service, which is usually free.

Essentially, it sends a check on your behalf — you set the payee information (aka. biller details).

Mobile deposit

Remember that it is very convenient to simply use your bank’s mobile app to take a picture of a check for remote deposit.

This will save you a trip to a branch or ATM.

The only thing to worry about is the mobile check deposit limit.

Every bank is different and mobile deposit limits may even vary by account. For a check with a large amount, you may not be able to use mobile deposit — still requiring you to visit a branch or ATM.

Mobile check deposit limits at top 10 banks

National BanksLimits

Bank of America


  • Customers with accounts opened for
    fewer than 3 months: $2,500 per month

  • Customers with accounts opened for
    3 months or longer: $10,000 per month

  • Customers in the Preferred Rewards
    program for the first 3 months: $25,000 per month

  • Customers in the Preferred Rewards
    program for more than 3 months: $50,000 per month

Wells Fargo


  • All customers: $2,500 per day
    and $5,000 over a 30-day period

Chase


  • All customers: $2,000 per day
    and $5,000 over a 30-day period

Citibank


  • Customers with accounts opened for
    fewer than 6 months: $500 per day and $1,500 per month

  • Customers with accounts opened for
    6 months or longer: $1,000 per day and $3,000 per month

U.S. Bank


  • Personal accounts: Varies from $500 to $2,500 per day, depending on account relationship

Capital One


  • Limits vary for each customer account:
    Typically $5,000 per day (according to Capital One banker)

PNC Bank


  • Customers with accounts opened for
    less than 30 days: $1,000 per day and $2,500 per month

  • Customers with accounts opened for
    30 days or longer: $2,500 per day and $5,000 per month

TD Bank


  • Customers with accounts for
    3 to 6 months: $1,000 per day and $2,500 per 30-day period

  • Customers with accounts for
    6 to 12 months: $2,500 per day and $3,500 per 30-day period

  • Customers with accounts for
    more than 1 year: $2,500 per day and $6,000 per 30-day period

SunTrust


  • Customers with accounts opened for
    6 months or less: $1,000 per check and $3,000 per month

  • Customers with accounts opened for
    more than 6 months: $8,000 per month

  • Private clients: $25,000 per month

BB&T


  • Checking accounts open for less
    than 90 days: $500 per day and $1,000 per 30-day period

  • Checking accounts open for at
    least 90 days: $2,500 per day and $5,000 per 30-day period

  • Wealth clients: $10,000 per day and $30,000 per 30-day period

Transaction Posting Delays

Since bank holidays and weekends are generally not considered normal business days, note that any transactions such as fund transfers and bill payments will not begin to process until the next business day.

Take that into account if you have any bills with upcoming due dates.

Missing a payment deadline could lead to late payments fees and other penalties and charges that could have been avoided easily.

If all else fails or you have any additional questions, you can contact a customer service representative on the phone.

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Simon Zhen

Simon Zhen is a research analyst for MyBankTracker. He is an expert on consumer banking products, bank innovations, and financial technology.

Simon has contributed and/or been quoted in major publications and outlets including Consumer Reports, American Banker, Yahoo Finance, U.S. News – World Report, The Huffington Post, Business Insider, Lifehacker, and AOL.com.

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