Are Banks Open on July 4th 2027?
Federal Reserve Banks are closed on Monday, July 5, 2027: Independence Day falls on Sunday, July 4, 2027, and for holidays falling on Sunday the Federal Reserve says Federal Reserve Banks and Branches will be closed the following Monday. Your bank sets its own branch hours, so check with your bank.
The number of days to Monday, July 5, 2027 appears here once the page loads in your browser.
Maintained by Archie Chang · Dates and sources checked November 1, 2026 · Methodology & sources
The answer for July 4th 2027
The Federal Reserve Financial Services holiday schedule lists Independence Day on July 4 in 2027, a Sunday, and its footnote for Sunday holidays says Federal Reserve Banks and Branches will be closed the following Monday. The Board's K.8 list names the day: Federal Reserve Banks are closed on Monday, July 5, 2027. Both quotes are below.
Your bank sets its own branch hours, so check with your bank.
For holidays falling on Sunday, Federal Reserve Banks and Branches will be closed the following Monday.
** Sunday - the Federal Reserve Banks and the Board of Governors are closed on July 5, 2027, and November 12, 2029.
Source: Federal Reserve Financial Services: holiday schedules, Federal Reserve Board: holiday schedule
What else is open on July 4th 2027
| Who | Status | Details |
|---|---|---|
| Federal offices | Closed | OPM lists Monday, July 5, 2027 as the Independence Day holiday (5 U.S.C. 6103), observed because Independence Day falls on Sunday, July 4, 2027, so federal offices are closed for most federal employees.Source: OPM: Federal Holidays, 5 U.S.C. 6103: Holidays |
| Federal Reserve Banks | Closed | Independence Day falls on Sunday, July 4, 2027, so Federal Reserve Banks and Branches are closed the following Monday. Your bank sets its own branch hours, so check with your bank.Source: Federal Reserve Financial Services: holiday schedules, Federal Reserve Board: holiday schedule |
| Post Offices (per USPS) | Closed | Independence Day is on the USPS holiday list for Monday, July 5, 2027: no regular mail delivery.Source: USPS: holidays and events |
| NYSE | Closed | Independence Day (observed) is on NYSE's holiday list for Monday, July 5, 2027.Source: NYSE: holidays and trading hours |
| The bond market (SIFMA recommendation) | Closed | SIFMA recommends a full close. It also recommends a 2:00 p.m. ET early close on Friday, July 2, 2027.Source: SIFMA: holiday schedule |
July 4th 2026 and Friday, July 3, 2026
In 2026 Independence Day fell on Saturday, July 4, 2026, and federal offices observed it on Friday, July 3, 2026 (OPM). The Board's K.8 footnote lists Friday, July 3, 2026 as a day Federal Reserve Banks were open while the Board of Governors was closed; the footnote is quoted below.
Federal Reserve Banks were therefore open on Friday, July 3, 2026, while NYSE was closed and USPS said Post Offices were open.
* Saturday - the Federal Reserve Banks are open, but the Board of Governors is closed on July 3, 2026, June 18, 2027, December 24, 2027, December 31, 2027, and November 10, 2028.
Source: Federal Reserve Board: holiday schedule, OPM: Federal Holidays, NYSE: holidays and trading hours, USPS: holidays and events
Direct deposits and ACH payments on July 4th 2027
When we checked on November 1, 2026, the Federal Reserve's FedACH holiday table listed 2026 only, so this page shows no FedACH times for Monday, July 5, 2027. For 2026 the table's Independence Day row said processing ended July 3, 2026, 11:30 p.m. ET and resumed July 5, 2026, 5:30 p.m. ET*.
The Federal Reserve's footnote to the "Processing Resumes" column is quoted below.
The Federal Reserve schedule does not say when a particular paycheck or deposit is credited, and neither does this page, so ask your employer or your bank about a specific payment.
*Third file delivery begins at 8:15 p.m. ET
Source: Federal Reserve Financial Services: holiday schedules
July 4th 2028
July 4th 2028 falls on Tuesday, July 4, 2028.
When we checked on November 1, 2026, the Federal Reserve Board's K.8 schedule listed Independence Day 2028 on July 4, 2028; the 5 U.S.C. 6103 holiday rule gives the same date (a computation).
Source: 5 U.S.C. 6103: Holidays, Federal Reserve Board: holiday schedule
Related pages
- Is the Post Office Open on July 4th 2027?
- Is the Stock Market Open on July 4th 2027?
- Federal Reserve Bank holiday checker
- Independence Day 2027
- Is the 4th of July a federal holiday?
- Federal Reserve Bank holidays 2027
- Federal holidays 2027
- Federal holiday checker
The same question for other holidays
- Are Banks Open on Veterans Day 2026?
- Are Banks Open on Black Friday 2026?
- Are Banks Open on Christmas Eve 2026?
- Are Banks Open on MLK Day 2027?
- Are Banks Open on Presidents Day 2027?
- Are Banks Open on Good Friday 2027?
- Are Banks Open on Memorial Day 2027?
- Are Banks Open on Juneteenth 2027?
- Are Banks Open on Labor Day 2027?
- Are Banks Open on Columbus Day 2027?
- Are Banks Open on New Year's Eve 2026?
- Are Banks Open on New Year's Day 2027?
- Are Banks Open on Thanksgiving 2026?
- Are Banks Open on Christmas Day 2026?
- Are Banks Open the Day After Christmas 2026?
- Are Banks Open on Halloween 2027?
- Are Banks Open on Easter Monday 2027?
Questions
Are Banks Open on July 4th 2027?
Federal Reserve Banks are closed on Monday, July 5, 2027: Independence Day falls on Sunday, July 4, 2027, and for holidays falling on Sunday the Federal Reserve says Federal Reserve Banks and Branches will be closed the following Monday. Your bank sets its own branch hours, so check with your bank.
Is July 4th a bank holiday?
For Federal Reserve Banks, yes: Independence Day is on the Federal Reserve schedule, and in 2027 it falls on Sunday, July 4, 2027, so Federal Reserve Banks are closed on Monday, July 5, 2027. Your bank sets its own branch hours, so check with your bank.
Are banks open on July 3rd?
In 2026, Federal Reserve Banks were open on Friday, July 3, 2026: the Federal Reserve Board's K.8 footnote reads “* Saturday - the Federal Reserve Banks are open, but the Board of Governors is closed on July 3, 2026, June 18, 2027, December 24, 2027, December 31, 2027, and November 10, 2028.” In 2027, July 3 falls on a Saturday, and Federal Reserve Banks are closed on Monday, July 5, 2027 for Independence Day. Your bank sets its own branch hours, so check with your bank.
Do direct deposits and ACH payments move on July 4th 2027?
When we checked on November 1, 2026, the Federal Reserve's FedACH holiday table listed 2026 only, so this page shows no FedACH times for Monday, July 5, 2027. For 2026 the table's Independence Day row said processing ended July 3, 2026, 11:30 p.m. ET and resumed July 5, 2026, 5:30 p.m. ET. The Federal Reserve's footnote to the "Processing Resumes" column reads: “*Third file delivery begins at 8:15 p.m. ET”. The Federal Reserve schedule does not say when a particular paycheck or deposit is credited, and neither does this page, so ask your employer or your bank about a specific payment.
Are banks open on July 4th 2028?
July 4th 2028 falls on Tuesday, July 4, 2028. When we checked on November 1, 2026, the Federal Reserve Board's K.8 schedule listed Independence Day 2028 on July 4, 2028; the 5 U.S.C. 6103 holiday rule gives the same date (a computation).
Is the Post Office open on July 4th 2027?
Closed: per USPS, Post Offices are closed on Monday, July 5, 2027. The Post Office page has the USPS wording on mail delivery.