What's Open and Closed on July 3 and July 4: Holiday Guide

As the United States prepares to celebrate Independence Day on July 4, millions of Americans are planning their holiday shopping, travel, and social activities. Because the holiday falls on a Thursday this year, the operational schedules for retail chains, financial institutions, and government offices will vary significantly between Wednesday, July 3, and Thursday, July 4.

Financial Markets and Banking

For those managing their personal finances, it is important to note that the New York Stock Exchange and the Nasdaq will be closed on Thursday, July 4, in observance of the federal holiday. Bond markets will also be closed. While electronic trading and some international markets may function, typical domestic stock trading will pause. Furthermore, most commercial bank branches will be closed on Independence Day. While ATMs and online banking platforms remain accessible 24/7, customers should not expect in-person assistance, wire transfers, or check processing to occur until the following business day. On Wednesday, July 3, banking and financial markets will operate on a normal schedule, though some offices may close early.

Retail and Grocery Stores

Retailers generally maintain standard operating hours on July 3. However, July 4 brings a mixed landscape for shoppers. Most major national grocery chains, such as Kroger, Publix, and Safeway, typically remain open on the holiday, although some may operate with reduced hours to allow employees to spend time with their families. It is highly recommended to check your local store's website or app before heading out.

Big-box retailers like Walmart and Target are expected to remain open on both July 3 and July 4. These stores are popular destinations for last-minute party supplies, grilling equipment, and festive apparel. Pharmacy chains, including CVS and Walgreens, usually remain open as well, though their pharmacy departments may have limited hours or close entirely on the holiday. If you require prescription refills or urgent medical supplies, ensure you visit your local pharmacy on July 3 to avoid potential disruptions.

Government Services and Post Offices

Independence Day is a federal holiday, meaning that all non-essential government offices, including courthouses and Department of Motor Vehicles (DMV) locations, will be shuttered on July 4. The United States Postal Service (USPS) will not deliver regular mail on the holiday, and post offices will be closed. There will be no standard mail pickup or drop-off service. Private courier services such as UPS and FedEx also typically observe the holiday, meaning residential ground delivery may be suspended, though some express or critical services may still be operating depending on the company's specific holiday policy. These services generally return to normal operations on Friday, July 5.

Tips for Holiday Planning

Because traffic and shopping volumes tend to spike during the Independence Day window, businesses are often busier than usual. If you are planning a large gathering, aim to complete your grocery shopping by the morning of July 3. This avoids the late-afternoon rush as people leave work early to begin their holiday celebrations. For travelers, expect heightened activity at airports and on major highways. Both public transportation systems and private ride-sharing services may operate on "Sunday" or "Holiday" schedules, leading to longer wait times.

Whether you are heading to a fireworks display or hosting a neighborhood barbecue, staying informed about store hours will help ensure your holiday runs smoothly. Always verify information with local branches, as individual store policies may vary based on geography and staffing levels.

This is not financial advice.

Consult a healthcare professional.