With Independence Day approaching, many Americans will find themselves unable to access in-person banking services, as major financial institutions like Chase, Bank of America, and Wells Fargo prepare to close their doors. These closures come as part of the nationwide observance of the federal holiday on July 4, 2025, when banks, along with several other services, shut down temporarily for the day.
Bank Branch Closures on July 4th
Chase, one of the biggest banks in the U.S., will close all of its 4,700 branches in observance of Independence Day. Similarly, Bank of America will shut down its 3,700 U.S. locations for the holiday, while Wells Fargo will also pause operations at its branches. Customers planning to visit a bank on July 4 will be out of luck, as all in-person services will be unavailable for the day.
Despite the branch closures, customers can still access their accounts online and through mobile banking. However, it’s important to note that transactions made on the holiday may not be processed until the next business day. ATMs will remain operational, so customers can withdraw cash as usual.
Holiday Impact on Other Services
It’s not just the banks that will be affected by the federal holiday. Several other services and institutions will adjust their operations on July 4. The U.S. Postal Service (USPS) and private courier services like UPS and FedEx will not deliver or pick up regular mail and packages. However, USPS Priority Mail Express will still be delivered, as it runs every day of the year, including holidays. Additionally, online services such as purchasing stamps and printing labels at USPS.com will remain available.
Other government offices and the stock market will also be closed for the day, as is the tradition on federal holidays.
Retail Disruptions on Independence Day
The retail sector will experience some disruption as well, though not all businesses will be affected equally. Costco, for example, will close all of its roughly 630 warehouses for 24 hours in observance of the holiday. Sam’s Club will close two hours earlier than usual, but other major retailers like Walmart and Target will operate as normal. Several other stores, including Albertsons, Best Buy, CVS, Kohl’s, and Lowe’s, will remain open on July 4.
However, some retailers may adjust their hours to give employees time to celebrate. For instance, Starbucks plans to change its schedule at certain locations, and Trader Joe’s will close all 600 stores early at 5 p.m.
Independence Day Shopping Deals
For shoppers, Independence Day is not just about closures—it’s also about sales. Home Depot is rolling out a huge July 4 sale, with savings of up to $220 on select items. Similarly, Dollar Tree shoppers are flocking to grab a $1.25 Fourth of July essential that promises exceptional quality and serves multiple purposes.
Independence Day will bring about a mix of closures and changes to services across the U.S. Major banks like Chase, Bank of America, and Wells Fargo will shut their branches for the day, while customers can still make online transactions and use ATMs. Other services like USPS, UPS, and FedEx will also modify their schedules, and retail stores will either remain open or adjust their hours for the holiday. Whether you’re looking to do banking, shopping, or mailing, it’s important to plan ahead as the holiday impacts various sectors across the country.
