
July 3 Holiday Guide: Banks Open, Markets Closed Ahead of Independence Day
With Independence Day on a Saturday, Friday, July 3 is the observed holiday. Banks are mostly open with some locations on modified hours (New York–area banks like M&T, KeyBank and Chase open July 3 and closed July 4). The Federal Reserve Banks observe Friday hours; ATMs and online banking remain available. USPS will operate Friday July 3 but will be closed July 4; federal offices may close Friday, with state/local hours varying. The NYSE and Nasdaq are closed on July 3, resuming July 6. FedEx and UPS plan to operate July 3 with possible schedule changes. Most grocery/pharmacy/convenience stores stay open, though some may have shorter hours as Americans kick off the long holiday weekend.













