US Holiday Hours: July 3, 2026 Closures and Openings

On July 3, 2026, most banks will remain open, observing the Fourth of July holiday on the actual date. The Federal Reserve will be open, though its Board of Governors will close. ATMs will be accessible throughout the day, with those outside bank locations also available on July 4. Online banking services will operate 24/7 as usual.

The U.S. Postal Service will also operate on July 3, with post offices open for services such as selling stamps and shipping items. Mail delivery will occur on July 3. Normal mail delivery and postal operations will resume after the Independence Day holiday on July 4.

This observance is particularly significant as July 4, 2026, marks the 250th anniversary of the adoption of the Declaration of Independence. The federal government observes the Fourth of July as a holiday, and when it falls on a Saturday, the preceding Friday, July 3, is typically observed. The Declaration of Independence, authored by Thomas Jefferson, proclaimed the 13 American colonies' separation from Great Britain, a move that was initially met with resistance from King George III but eventually recognized by nations like France, Spain, and the Netherlands.

While specific store hours for retailers like Walmart, Target, and Costco on July 3, 2026, are not detailed in this information, the general pattern for federal and financial services indicates a high likelihood of many businesses operating with potentially adjusted hours. Consumers are advised to verify individual store and service provider schedules directly to confirm availability for last-minute needs.