July 3 and 4: What shall we do? Most people are confused because Independence Day falls on Saturday, July 4th, making the holiday closing calendar more complicated than usual.
With Friday, July 3, being observed as a federal holiday, many federal offices and businesses are planning their schedules in advance, leaving people confused about what will be open and what will be closed before the Independence Day weekend begins.
Here, let’s find out the basics of 2026 Independence Day closures.
Bank Schedules July 3: What’s Open?
With Independence Day landing on Saturday, July 4, America will observe the federal holiday tomorrow, July 3, 2026.
Most banks will remain open July 3; That said, however, some locations may operate with limited opening hours.
Customers are best to check with their local branch for any change in schedule.
While the rest of the online banking services will operate normally and the Federal Reserve Banks and affiliated branches will operate on July 3 as the Fourth of July falls on Saturday.
What is the status of the postal service on July 3?
The US Postal Service will operate during normal business hours on Friday, July 3, 2026 with its core services, including regular mail delivery.
Are federal offices closed on July 3rd?
Most of the federal government offices will remain closed on July 3 in observance of Independence Day.
For the uninitiated, federal government agencies typically observe holidays that fall on a Saturday on the preceding Friday.
However, state and local government offices may operate on altered schedules, so to avoid confusion, it is best that people check opening hours with municipal administrations, courts or other government departments before leaving their homes.
Which shops are open on 3 July?
Larger grocery stores, pharmacies and convenience stores are expected to operate normally on July 3.
As the holiday weekend begins, some locations may close early or operate limited hours.
So don’t rush at the eleventh hour; instead, get your shopping done early if you’re planning an Independence Day fireworks display. After all, this Fourth of July is America’s 250th birthday.
