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Are banks open on Fourth of July (Independence Day) 2027? No, closed Monday, July 5

No: most banks are closed on Fourth of July (Independence Day) 2027, Monday, July 5, 2027, a holiday observed by the Federal Reserve Banks.

Updated Source: Federal Reserve Board, Holidays Observed (K.8)
The 5-second answer

No: most banks are closed on Fourth of July (Independence Day) 2027, Monday, July 5, 2027, a holiday observed by the Federal Reserve Banks.

By TrendPulse Newsroom · Published · Updated Nov 1, 2026, 8:00 AM EST · How we report

3 min read2 sources cited

Updated (ET)

No: most banks are closed on Fourth of July (Independence Day) 2027, Monday, July 5, 2027, a holiday observed by the Federal Reserve Banks. ATMs and online banking keep working; ACH transfers due that day settle on Tuesday, July 6, 2027.

The Federal Reserve lists Independence Day 2027 as Sunday, July 4, 2027. When a holiday falls on a Sunday, the Federal Reserve Banks and the Board close the following Monday, Monday, July 5, 2027.

Individual banks and credit unions set their own branch hours , so check yours; the Fed calendar governs when payments settle. Payments that need Fed settlement, including most direct deposits and ACH transfers due on Monday, July 5, 2027, are processed on Tuesday, July 6, 2027.

Fourth of July (Independence Day) 2027 at a glance — Source: Federal Reserve K.8 / OPM
Item2027Source
Holiday dateSunday, July 4, 2027OPM
Federal (OPM) day offMonday, July 5, 2027OPM
Federal Reserve BanksClosed Monday, July 5, 2027Federal Reserve K.8
Federal Reserve BoardClosed Monday, July 5, 2027Federal Reserve K.8
Fed-settled payments due that daySettle Tuesday, July 6, 2027Federal Reserve K.8
Next federal holidayLabor Day: Monday, September 6, 2027OPM

FAQ

Is Fourth of July (Independence Day) a bank holiday in 2027?

Yes. Federal Reserve Banks are closed Monday, July 5, 2027. (Source)

What day is Fourth of July (Independence Day) 2027?

Sunday, July 4, 2027; the federal day off is Monday, July 5, 2027. (Source)

Will direct deposit arrive on Fourth of July (Independence Day) 2027?

Deposits due on Monday, July 5, 2027 usually settle on Tuesday, July 6, 2027; some employers pay a day early. (Source)

Do ATMs and online banking work on Fourth of July (Independence Day)?

Yes. Only transfers that need Federal Reserve settlement wait for the next business day. (Source)

What is the next bank holiday in 2027?

Labor Day: Monday, September 6, 2027. (Source)

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