Abstract: A cap, hat, or visor is provided with a headband. The headband has an inner face for engaging the head of a wearer and an outer face. An elongate pocket is formed in the outer face portion of the headband extending along at least half of the headband circumference. An outer closure in the pocket shields the pocket contents from view and contamination. A foldable neckpiece is attached to the interior of the pocket. It may be folded up and contained within the pocket or unfolded to protectively cover the ears and neck. The neckpiece may be detachable for laundering.