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:
|Bank||Status (July 4th)|
|Bank of America||Closed|
|PNC Bank||Closed (except some supermarket branches)|
|SunTrust Bank||Closed (including in-store branches)|
|Fifth Third Bank||Closed|
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).
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
Bank of America
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.
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.