Bank holidays › 2028
Are banks open on Independence Day (July 4th) 2028?
Closed
No. Banks follow the Federal Reserve, which is closed on Tuesday, July 4, 2028. ACH and wire payments don't settle that day.
Payments due that day settle on Wednesday, July 5, 2028.
Independence Day (July 4th) 2028 at a glance
| Holiday date | Tuesday, July 4, 2028 |
|---|---|
| Banks / Federal Reserve (ACH, Fedwire) | Closed Tuesday, July 4, 2028 |
| Stock market (NYSE, Nasdaq) | Closed Tuesday, July 4, 2028 |
| Next ACH settlement day | Wednesday, July 5, 2028 |
July 4th closes the Federal Reserve and markets. The Saturday rule matters here: in years when July 4 is a Saturday, the Fed is open on Friday July 3 while the NYSE closes.
Check any date in code
curl "https://bankday.jacklehoff4866.workers.dev/v1/business-day?calendar=us-fed,xnys&date=2028-07-04" \ -H "Authorization: Bearer $BANKDAY_KEY"
Other 2028 bank holidays
New Year's DayMartin Luther King Jr. DayPresidents DayGood FridayMemorial DayJuneteenthLabor DayColumbus DayVeterans DayThanksgivingChristmas Day
Independence Day (July 4th) in other years
Full schedule: Federal Reserve holidays 2028 · NYSE holidays 2028 · why they differ
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