July 4, 2026: What's Open and Closed on Independence Day

On July 4, 2026, most federal offices and services will be closed in observance of Independence Day, which falls on a Saturday this year. The federal holiday was officially observed on Friday, July 3, as is common when the holiday lands on a weekend. This means that Americans celebrating the nation's 250th birthday will find many institutions unavailable.

Banks, including major national institutions such as Bank of America, Chase, Citi, and Wells Fargo, will be closed on July 4, 2026. However, their online banking services and ATMs are expected to operate normally, though ATMs may experience higher demand and depleted cash reserves due to the holiday weekend. The United States Postal Service (USPS) will also close its branches and suspend mail delivery for the day.

Private delivery services like UPS and FedEx will have limited operations. UPS has stated there will be no pickup or delivery services on July 4, but advises checking with local store locations for potential closures. FedEx will close its FedEx and FedEx Logistics services, but its FedEx Custom Critical service will remain open. FedEx Office locations may operate with modified hours or be closed, requiring direct confirmation with local branches.

The U.S. stock market, including the Nasdaq, will be closed on July 4, 2026, as it is already shut down on Saturdays. While many government and financial services are unavailable, consumers should check with individual retail stores, pharmacies, and other non-governmental organizations for their specific holiday hours, as some may remain open or offer adjusted schedules.