July 3 and 4: what to do? Most people are confused because Independence Day falls on Saturday, July 4, which makes the holiday calendar more complicated than usual.
With Friday, July 3, considered a federal holiday, many federal offices and businesses plan their schedules in advance, leaving people confused about what will be open and what will be closed before the start of Independence Day weekend.
Let’s explore the basics of Independence Day 2026 closures here.
Bank hours for July 3: what is open?
With Independence Day arriving on Saturday, July 4, America will observe the federal holiday tomorrow, July 3, 2026.
Most banks will remain open on July 3; however, with that said, some locations may operate with limited hours.
It is best for customers to check with their local branch for any schedule changes.
While the rest of online banking will operate as normal, Federal Reserve Banks and their associated branches will operate on July 3, with July 4 falling on Saturday.
What is the status of postal services on July 3?
The U.S. Postal Service will operate during regular business hours on Friday, July 3, 2026, with its core services including regular mail delivery.
Are federal offices closed on July 3?
Most federal government offices will remain closed on July 3, Independence Day.
For those not in the know, federal institutions generally observe statutory holidays that fall on a Saturday the preceding Friday.
However, state and local government offices may operate with modified hours. To avoid confusion, it is best to check the opening hours of municipal governments, courts or other public services before leaving home.
Which stores are open on July 3?
Large grocery stores, pharmacies and convenience stores should operate normally on July 3.
As the holiday weekend begins, some venues may close early or operate with limited hours.
So don’t rush in at the eleventh hour; instead, shop early if you’re planning an Independence Day fireworks celebration. After all, this July 4, America will celebrate its 250th anniversary.
