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BusinessFourth of July closings: Are banks and the post...

Fourth of July closings: Are banks and the post office open on July 4?


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The Fourth of July holiday commemorating the ratification of the U.S. Declaration of Independence is this Monday, and many Americans have the day off to celebrate the country’s birthday.

The federal July 4 holiday leads to several closures across the United States, including post offices, banks, financial markets and schools that are still running summer sessions. And some places will be shutting their doors early on Friday, July 1, leading into the holiday weekend.

Here’s what you need to know.

Government offices and the stock market

All federal government buildings and government offices will be closed on Monday, July 4, as they usually are for other federal holidays, including Christmas, Veterans Day and Juneteenth.

The U.S. stock market and bond market will be closed on July 4, as well. There will be no trading on major indexes, including the Dow Jones Industrial Average
 , S&P 500
  and Nasdaq Composite

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In addition, the bond market will have an early close at 2 p.m. ET on Friday, July 1, leading into the holiday weekend; it normally closes at 4 p.m. ET.


Most U.S. banks and their branches will be closed Monday, July 4, according to the Federal Reserve website. But the banks’ digital tools and software, as well as ATM branches, should continue to operate normally.

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Most financial institutions follow the Federal Reserve System’s holiday schedule.

Delivery services

The United States Postal Service (USPS) will be closed on Monday, July 4 for Independence Day.

Shipping giant UPS
  will also be closed on July 4, the company said on its website. UPS stores, as well as UPS domestic ground, air and international shipping, will not be open either. But UPS Express Critical service is still available.

See also: July 4 forecast — Inflation is raising the cost of summer BBQs by 17% to $70 on average, before alcohol

FedEx Corp
will be closed on July 4, too, and will be running with modified services hours from July 1-3 leading up to the holiday. Further details on what services are open or modified each day can be found here.


Pubic schools K-12 are normally closed on federal holidays, but nearly all U.S. schools are already on summer break, so this holiday may not impact most students. But any students participating in school-affiliated summer school programs should check with their local school boards to see if their classes are in session.

See also: A record 42 million people expected to hit the road, despite high gas prices on the Fourth of July

Private high schools and universities are not subject to the same closure schedules as public schools, so students should also check in with their academic institutions to see whether they need to report to class on July 4.

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