Holidays, Personal Finance

Are Banks, Credit Unions and Post Offices Open on the Fourth of July 2015?

Fouth of July Independence Day

Holidays can be a great time, but they can also cause some confusion as to what is and isn’t open on that particular day. It’s never fun to head out to a place to get something done only to find it’s unexpectedly closed. A good example is the Fourth of July.

As Independence Day for the US approaches, some people begin to wonder what is and isn’t open on that day. They wonder if post offices, credit unions and banks will be open on July 4, 2015. Knowing what is open and what is closed can help avoid a lot of frustration. Nobody likes to arrive at their destination only to find the place they were going is closed.

Since the Fourth of July is a federal holiday, the vast majority of government offices will be closed for business for the day. There are some exceptions (National Parks will be open), but most government offices will be closed. This year is a bit different because July 4 lands on a Saturday, so the federal government is observing the holiday on July 3 making it a bit more complicated. If you have any doubts, your best bet is to contact the institution directly to confirm.


Most banks will be closed on both the third and the Fourth of July (although there are a few exceptions). July 4 lands on a Saturday in 2015. the federal government is observing the holiday on July 3. As a result, many banks will be closed on both the 3rd and 4th in 2015. Banks usually observe federal holidays, and the Fourth of July is not an exception. Expect your local bank branch office to be closed for the entire Independence Day weekend.

Credit Unions

Credit unions will be closed on Independence Day. Credit unions are similar to banks and follow the same holiday schedule most of the time. While they are also usually open on Friday and Saturday, credit unions will be closed for the third and Fourth of July in 2015.

It’s important to note that even though banks and credit union branches will be closed July 3 and 4, it doesn’t mean you can’t do any banking at all. A lot of basic banking transactions can now be performed either at the institution’s ATM or through its website. Even though local branches will be closed to celebrate the Fourth of July, ATMs are usually running 24 hours a day, 7 days a week. The same is true with their websites. Just be aware that if you do perform a banking transaction through one of these methods while the branch is closed, it might take until the next business day for the transaction to complete. For example, if you have a check you deposit through the ATM, the funds from the check won’t be immediately available for withdrawal. Also, the time it takes for the check to clear may not begin until the start of the next business day.

If you use a bank or credit union which has branches in grocery stores, these are more likely to be open than stand-alone branches. US Bank and PNC Bank may have some of their grocery store branches open for limited hours on the 4th. Be sure to call to confirm if they will be open before going.

Post Offices

Post offices will be closed on July 4th. As a part of the federal government, the post office observes all federal holidays including Independence Day. All post office branches across the US will be closed on July 4. Even though the federal government is observing Independence Day on July 3, post offices will be open July 3 and they will also deliver mail on this day. No mail will be delivered on Saturday, July 4.

Are Banks Open on July 5, 2015?

Since the 4th lands on a Saturday, some people may wonder if banks, credit unions, and post offices will be open on Sunday, July 5. Banks won’t be open on July 5 since it is a Sunday and most banks are closed on Sunday. There are a few exceptions of banks open on Sunday. Post offices will also be closed.

(Photo courtesy of City of Marietta)

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