As of July 1, 2025, several key US banking regulations and industry shifts took effect, primarily focused on updating Regulation CC for inflation, implementing new capital requirements, and changing the regulatory posture toward digital assets.
Yes, your money is safe in the bank as long as it's in an FDIC-insured institution, and we recommend keeping it there in 2026. See our list of the safest banks in the U.S. During times of economic uncertainty, it's common to worry about your security.
Banking Laws (Amendment) Act, 2025
Are Banks Open on July 4th in 2025? Given that Independence Day is a federal holiday, most, if not all, bank branches and credit unions will be closed on Friday, July 4.
In 2025, banks leaned on technology and innovation to act as an enabler for driving resilience, efficiency, and automation across workflows. AI, including GenAI and agentic tech, showed clear potential – but fragmented processes, legacy systems, and unstructured data kept many institutions from scaling.
The Bottom Line
So, is your money safe in the bank in 2025? For most people, yes. The failures of Pulaski Savings Bank and The Santa Anna National Bank was unfortunate, but they weren't signs of a bigger problem. The U.S. banking system is pretty resilient, and the FDIC is there to protect your deposits.
The New York Stock Exchange and Nasdaq will be closed for the holiday. Since July 4 is a Federal Reserve banking holiday, most bank branches across the country will also be closed. However, online banking services and ATMs will remain available.
2026 Example: Independence Day (July 4) falls on a Saturday in 2026. That means Armed Forces Bank and other financial institutions will observe the holiday on Friday, July 3. Therefore, while you might be firing up the grill on Saturday, the bank closure actually happens the day before.
The RBI increased ATM withdrawal charges from ₹21 to ₹23 per transaction beyond the free limit, effective from May 1, 2025. This was the latest revision in ATM charges as banks were permitted to raise fees by ₹2 per transaction for withdrawals exceeding the monthly free usage quota.
RBI's new guidelines will close dormant, inactive, and zero balance accounts starting January 1, 2025. Account holders must take steps to reactivate or maintain their accounts to avoid closure. Reactivate inactive accounts by making transactions and engaging with dormant accounts at the bank branch.
Here are the best low-risk investments in 2025:
High-yield savings accounts. Money market funds. Short-term certificates of deposit. Cash management accounts.
While the FDIC insures deposits up to $250,000, meaning your money is generally safe if a bank fails in a crisis, a legal mechanism called "bail-in" authority exists under U.S. law (Dodd-Frank Act) that could allow failing banks to convert large deposits into equity (essentially seizing funds to recapitalize the bank). Although not implemented in the U.S. yet, this "bail-in" concept has been used elsewhere, creating concern, though many experts believe regulators would prevent the system collapse it would cause. For typical accounts, deposits are protected, but large, uninsured amounts carry more risk in extreme scenarios, making diversification across banks a wise precaution.
Introduced in House (02/07/2025) This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash.
That's because Independence Day is this Friday, a federal holiday that will see banks and post offices shutter. The origins of the Fourth of July date back to July 4, 1776, when the U.S. unanimously adopted the Declaration of Independence.
July 4, 2025 is a Federal holiday, Independence Day, and government offices will be closed.
Key Takeaways. Two small banks, each with a single branch, failed in 2025. Five credit unions were also shuttered by regulators this year. Bank failures are generally uncommon, with only a few occurring in a typical year.
But a Northeastern University law expert says that revoking Juneteenth as a federal holiday is outside the president's purview. “Juneteenth is a federally declared holiday,” Jeremy Paul, professor at Northeastern University School of Law. “Holidays are established by Congress and cannot be revoked just by a president.”
Bank Holidays Schedule 2025/26
Easter Monday: Monday, 21st April 2025. Early May Bank Holiday: Monday, 5th May 2025. Spring Bank Holiday: Monday, 26th May 2025. Summer Bank Holiday: Monday, 25th August 2025.
The FDIC insures bank accounts for up to $250,000 per depositor, per ownership category, per bank. If a bank fails, insured deposits will be moved to another FDIC-insured bank or paid out. You'll usually get a Receiver's Certificate for money that isn't covered by FDIC insurance.
Use Multiple Banks
Spreading your deposits across more than one FDIC-insured bank can increase your total insured coverage. Since the $250,000 limit applies per depositor, per institution, using multiple banks allows you to keep more money protected.
2025 was a major year for bank M&A