Planning your Fourth of July 2026 weekend? Because Independence Day (July 4) falls on a Saturday this year, the federal holiday is officially observed on Friday, July 3, 2026. That means some closures land on Friday and some on Saturday. Here's the complete, easy guide to what's open and closed so you can plan your errands, banking, and shopping.

Quick Answer

  • Banks: Closed for the holiday (Friday, July 3) and Saturday.
  • Post Office (USPS): Closed — no regular mail delivery on the holiday.
  • Stock Market (NYSE & Nasdaq): Closed Friday, July 3 (and closes early at 1 p.m. on Thursday, July 2).
  • Most stores & restaurants: Open (some with holiday hours).

❌ What's CLOSED

Banks

Most major banks — including Chase, Bank of America, Wells Fargo, and Citi — will be closed in observance of Independence Day (Friday, July 3), and remain closed Saturday. However, ATMs, mobile apps, and online banking work as normal, so you can still transfer money and check balances.

Post Office & Mail

The U.S. Postal Service (USPS) is closed and will not deliver regular mail on the holiday. UPS and FedEx also suspend most standard pickup and delivery, though some express/critical services may run. If you need to mail something, do it before the weekend.

Government Offices & Stock Market

Federal offices are closed for the observed holiday. The New York Stock Exchange and Nasdaq are closed on Friday, July 3, and both close early (1 p.m. ET) on Thursday, July 2. Trading resumes Monday.

Costco

Unlike most big-box chains, Costco is closed on July 4 (Independence Day is one of the few holidays Costco observes with full closure), so plan your warehouse run in advance.

✅ What's OPEN

  • Walmart — open regular hours.
  • Target — open (check local hours).
  • Grocery stores (Kroger, Publix, Safeway, Trader Joe's, Whole Foods) — generally open, some with reduced hours.
  • Pharmacies (CVS, Walgreens) — open, though some 24-hour pharmacy counters may have holiday hours.
  • Restaurants, malls, gas stations, and most retailers — open, often with special Fourth of July sales.

Tip: Holiday hours vary by location. Always confirm your specific store's hours online before heading out.

Is July 4 a Federal Holiday in 2026?

Yes. July 4 (Independence Day) is a federal holiday every year. Because it falls on a Saturday in 2026, most federal employees observe it on Friday, July 3. That's why you'll see many closures on Friday rather than Saturday.

Frequently Asked Questions (FAQ)

Is the post office open on July 4, 2026?

No. USPS is closed and there is no regular mail delivery on Independence Day. Priority Mail Express may still be delivered.

Are banks open on July 4, 2026?

No. Major banks are closed for the observed holiday on Friday, July 3, and on Saturday, July 4. ATMs and online banking remain available.

Is the stock market open on July 4, 2026?

No. The NYSE and Nasdaq are closed Friday, July 3, in observance of Independence Day, and close early (1 p.m. ET) on Thursday, July 2.

Is Costco open on July 4?

No. Costco warehouses are closed on Independence Day. Most other major retailers like Walmart and Target stay open.