What’s open, closed on July 3? Banks, post office, stock market, more

Independence Day this year falls on a Saturday, so the federal holiday instead is one day earlier, on Friday July 3.But are banks, post offices, stock market and other businesses open or closed on Friday, July 3?Are banks open on July 3?Most banks are expected to remain open on Friday, July 3, although some locations may operate with modified schedules. For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday, according to the Federal Reserve.AdvertisementAdvertisementBecause Independence Day falls on Saturday, the federal holiday is observed July 3 by many government offices and financial institutions. Policies typically vary by bank and location, so customers should check with their local branch before heading to the location in person.For some New York based banks – including M and T Bank, KeyBank and Chase Bank – will all be open on Friday July 3 but closed on the actual holiday on Saturday.ATMs and online banking services typically remain available regardless of holiday schedules.Are government offices open July 3?Many federal offices observe Independence Day on Friday when July 4 falls on a Saturday.AdvertisementAdvertisementAs a result, federal government offices may be closed July 3. State and local government offices can set their own schedules, so operating hours may vary by location.Is the post office open July 3?Michael Miller delivers the mail in Gallia County, Ohio, along a rural U.S. Postal Service route, on Aug. 11, 2020. Yes. The U.S. Postal Service is expected to operate normally on Friday, July 3, with regular mail delivery and post office services available.The U.S. Postal Service will observe Independence Day on Saturday, July 4, which means all post office locations will be closed on the actual holiday. Regular mail delivery and retail services will resume on Monday, July 6.Will FedEx and UPS deliver on July 3?FedEx and UPS are expected to operate on Friday, July 3, although some services or hours may be modified ahead of the holiday.AdvertisementAdvertisementFedEx will operate with modified service operations on Friday, July 3 and then be closed on July 4. UPS also plans to offer services July 3, though specific schedules may vary by location. Customers should check directly with their local carrier for service details and pickup schedules. Other private carriers may also operate on modified schedules depending on location and service type.Is the stock market closed on July 3?Yes. The New York Stock Exchange and Nasdaq will be closed on Friday, July 3 in observance of Independence Day. Trading is scheduled to resume during normal market hours on Monday, July 6.NYSE American Equities, NYSE Arca Equities, NYSE National, and NYSE Texas late trading sessions are also closed.What stores are open before the July 4 holiday?Most major grocery stores, pharmacies, convenience stores and big-box retailers are expected to remain open on July 3, though some may operate under abbreviated hours as the holiday weekend sets off. New Yorkers planning cookouts, travel or other celebrations should consider shopping early as stores are expected to see increased traffic throughout the day on Friday.AdvertisementAdvertisementWith Independence Day landing falling on a Saturday this year, Friday serves as the unofficial start of the three-day holiday weekend for many Americans. That leads to heavier crowds, modified schedules and increased travel activity as people prepare to celebrate the nation’s  semiquincentennial.Contributing: USA Today NetworkThis article originally appeared on Rochester Democrat and Chronicle: What’s open, closed on July 3? Banks, post office, stock market, more