Are Banks Open on July 4th?

Are banks open on July 4th in 2024? That's a question plenty of folks are asking just ahead of the holiday that commemorates the adoption of the Declaration of Independence in 1776. The answer is no, banks are not open on Thursday, July 4.

Many folks will choose to spend the holiday celebrating with family and friends. For those hosting picnics or barbeques this year, Kiplinger's personal finance editors combed through the best deals and discounts to find where you can get the lowest price for your cookout essentials. 

Others might prefer to take a few minutes reviewing their financial health as we kick off the second half of the year. This can include taking stock of your retirement plan to see if it needs updating.

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Folks can also do a checklist on their money habits. "Whether you're saving up for a house, thinking about retirement or just hoping to achieve a feeling of security, building the right habits is crucial to ensuring you have the tools you need to accomplish your goal," writes the Kiplinger Advisor Collective in their feature "11 Money Habits Financial Experts Wish More People Would Cultivate."

As for the Fourth of July, bankers are not the only ones who get to enjoy a late-week break. For those wondering "is the stock market open on July 4th," the answer to that is no. The Fourth of July is one of many stock market holidays in 2024. Bond traders also get the day off. 

Anyone curious about what time does the market open for regular trading hours, both the Nasdaq Stock Market and the New York Stock Exchange (NYSE) are open from 9:30 am to 4:00 pm Eastern time Monday through Friday.

Below, we feature a full schedule of all U.S. bank holidays for 2024. 

2024 bank holidays

* This is the recommended bank market holiday schedule from the Federal Reserve. This schedule is subject to change.

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