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Are banks open on 4th of July? What's open, what's closed on July 4

Are banks open on the 4th of July?
Are banks open on the 4th of July?
Photo by Michael Bocchieri/Getty Images

Are banks open or closed on the 4th of July? According to FederalReserve.gov, all banks will be closed on Friday, July 4, 2014. If you bank at Wells Fargo, Bank of America, Chase, Citibank or any major bank in the U.S., doors will be closed for the day. Most credit unions will also be closed so employees can enjoy the holiday with their families.

Banks will reopen on Monday, July 7 unless the branch is open during the weekend. Many major banks, like Citizens Bank, have locations inside supermarkets. Call ahead to find out if they are open special weekend hours.

TD Bank is open four holidays a year, but that doesn't include Independence Day. Last year, all 1,300 locations along the east coast were open on Independence Day, but they have revised their schedule and will only be open on the following federal holidays in 2014: Martin Luther King, Jr. Day, President's Day, Columbus Day and Veterans Day.

If can't get to the bank before the holiday, most banks do not charge an ATM fee if you withdraw from machines located at the branches. Most ATMs are open 24 hours a day. If you need to use an ATM that is not associated with your bank, you may pay a fee ranging from $1 to as much as $3.50 to withdraw cash. Many banks and credit unions also have smartphone apps for customers who need to transfer funds, check balances or pay bills on the holiday.

Banks aren’t the only businesses closed on the 4th of July According to The Opinionated Nation, all government offices (including the DMV and Social Security), the stock market and all U.S. post offices will be closed on July 4. There is no mail delivery on Friday. See a complete list of 2014 Federal Holidays here.

If you have last-minute holiday shopping to do for fireworks and cookout supplies, Walmart, Target and most grocery stores will be open on Friday. Some may have limited holiday hours, so call before you head out. Liquor stores will also be open for much of the day if you haven't had a chance to stock up on beer and wine for your Independence Day party.