Markets closed Friday, July 3: U.S. stock markets (NYSE, Nasdaq) and bond markets are closed for Independence Day observance. Regular trading resumes **Monday, July 7**.
Cryptocurrency unaffected: Crypto markets operate 24/7, so they remain open regardless of federal holidays.
Banks: Most commercial banks remain open on Friday, July 3, but are closed on Saturday, July 4. ATMs and banking apps work normally.
Mail services: USPS delivers mail and post offices are open on Friday. FedEx and UPS have modified operations on Friday and are closed on Saturday.
Government offices: Nonessential federal and state government offices are closed both Friday and Saturday.
Retail: Many stores stay open over the weekend, but Costco is closed on July 4. Trader Joe's and Sam's Club operate with modified hours.
Why this matters: Knowing holiday schedules helps traders, investors, and consumers avoid disruptions. Missing a trading day or a banking deadline can have financial consequences, especially for those managing portfolios or making time-sensitive transactions.
This year's Fourth of July is particularly significant as it marks 250 years since the Declaration of Independence was adopted in 1776. The occasion is being celebrated with parades, fireworks, concerts, and patriotic events across the nation.
The U.S. stock market follows a straightforward rule for Independence Day: if the holiday falls on a Saturday, the market closes on the preceding Friday. Since July 4, 2026, is a Saturday, the NYSE, Nasdaq, and bond markets are closed on Friday, July 3. All regular trading resumes on Monday, July 7.
The Federal Reserve observes the holiday on Saturday, meaning its banks and branches are closed. Most commercial banks follow the Fed's schedule, though most branches remain open on Friday, July 3, with some operating on modified hours. It's always advisable to check with your local branch.
> Tip: Banking apps and ATMs continue to function normally, allowing deposits, withdrawals, and transfers throughout the weekend.
USPS: Mail delivery and post office operations continue as usual on Friday, July 3. Post offices are closed on Saturday, July 4.
FedEx: Modified hours and services on Friday; closed on Saturday. Custom Critical shipments and FedEx Logistics operate normally on Friday.
UPS: Domestic Ground, Air & International service operates normally on Friday. Retail locations are closed on Saturday with some exceptions.
All nonessential federal government offices are closed both Friday and Saturday. State government offices, including DMV locations, generally follow the same schedule. Most schools and colleges are on summer break, but summer session classes typically adhere to the federal holiday schedule as well.
The long weekend is a popular time for shopping, with many retailers offering discounts on big-ticket items like mattresses, furniture, and appliances. However, note these closures:
| Retailer | Status |
|----------|--------|
| Costco | Closed July 4 |
| Trader Joe's | Modified hours |
| Sam's Club | Modified hours |
Most other retailers and restaurants remain open throughout the weekend, making it a great time for holiday shopping and dining.
Active traders and investors: who need to plan around the market closure on Friday.
Anyone with time-sensitive banking transactions: such as bill payments or wire transfers.
Consumers planning holiday shopping: who need to know which stores are open.
Small business owners: relying on mail and package delivery services.
Is the stock market open on Friday, July 3, 2026?
No. U.S. stock markets (NYSE, Nasdaq) and bond markets are closed on Friday, July 3, in observance of Independence Day. Trading resumes on Monday, July 7.
Are banks open on Friday, July 3?
Most commercial banks are open on Friday, though some may have modified hours. Banks are closed on Saturday, July 4. ATMs and mobile banking apps remain available.
Will the post office deliver mail on Friday, July 3?
Yes. USPS delivers mail and post offices operate normally on Friday. They are closed on Saturday, July 4.
Does UPS and FedEx deliver on Friday, July 3?
UPS operates normally on Friday (closed Saturday). FedEx has modified hours and services on Friday and is closed on Saturday.
Is Costco open on the Fourth of July?
No, Costco is closed on Saturday, July 4. Trader Joe's and Sam's Club have modified hours.
Are cryptocurrency markets affected by the Fourth of July holiday?
No. Cryptocurrency markets operate 24/7 and are not impacted by federal holidays.
Plan your trades: With markets closed on Friday, ensure all stock and bond transactions are completed by Thursday's close or wait until Monday, July 7.
Handle banking early: If you need in-person banking services, visit your branch on Friday with modified hours in mind. Digital banking remains available all weekend.
Shop smart: Take advantage of Fourth of July sales at retailers, but note that Costco is closed and some stores have modified hours.
Check shipping schedules: If you're expecting deliveries, USPS runs normally Friday, while FedEx and UPS have some restrictions.
For cryptocurrency traders: No changes—crypto markets operate as usual throughout the holiday weekend.
Are you celebrating the 250th anniversary of Independence Day this year? How are the holiday closures affecting your trading or weekend plans? Share your thoughts below!
Share this article with others who need to stay ahead of this trend — whether they're traders, shoppers, or just planning their holiday weekend.
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*Do you think the U.S. should adopt more flexible holiday trading schedules like other global markets? Let us know!*
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