What's open and closed on Independence Day?
Independence Day closes almost everything: banks, the post office, the stock and bond markets, UPS, FedEx, federal offices, and — since it lands in summer break — schools. Most cities skip collection on July 4 as well. Only Priority Mail Express, delivered every day of the year for an added fee, and the two emergency freight services keep moving. All fifty state DMVs close; each state's own list is on its page here.
The weekend years are where the calendars come apart, and because July 4 is a fixed date they come around often. When the Fourth falls on a Saturday, federal offices and the exchanges take the Friday before — but the Federal Reserve leaves the holiday on the Saturday, so banks are open that Friday and USPS runs a full delivery day. Neither carrier closes that Friday either: FedEx runs modified service, and the UPS holiday list names the Saturday rather than the Friday, so anything time-critical is worth confirming with UPS. When the Fourth falls on a Sunday, everything moves the same direction and closes the Monday after. Collection calendars often ignore the shift and observe the date itself, which is the local call to confirm rather than assume.
| Year | Falls on | Observed |
|---|---|---|
| 2026 | Saturday, July 4, 2026 | Friday, July 3, 2026 |
| 2027 | Sunday, July 4, 2027 | Monday, July 5, 2027 |
| Who | Status |
|---|---|
| Banks | Closed — July 4 is a Federal Reserve holiday, and branches that keep Saturday hours close for it too when the Fourth lands on a Saturday. |
| Mail & the Post Office | Closed — no delivery, no window service, no collection pickups; only Priority Mail Express arrives, for an added fee. |
| The Stock Market | Closed — and when July 4 falls on a Saturday the exchanges close the Friday before, while a Sunday Fourth moves the closure to the Monday after. |
| The Bond Market | Closed — with a 2pm ET early close on SIFMA's recommendation on the last session before the holiday. |
| UPS | Closed — no pickup, delivery, or drop-box collection on the Fourth; Express Critical is the only service running. |
| FedEx | Closed — no pickup or delivery, with Custom Critical the only service running; the closure stays on July 4 itself even when it lands on a Saturday. |
| Federal Offices | Closed — and when the Fourth falls on a weekend the day off moves with OPM's rule: back to Friday for a Saturday holiday, forward to Monday for a Sunday one. |
| Trash Pickup | Varies by city — July 4 is on nearly every collection calendar, and on a weekday the routes after it usually run a day late. |
| Schools | Closed — the school year has ended everywhere by the Fourth, and district offices take the holiday too, usually on shorter summer hours that week. |
Questions people ask
If July 4 falls on a Saturday, are banks open the Friday before?
Yes. The Federal Reserve doesn't move a Saturday holiday to a weekday, so banks keep normal hours that Friday and mail runs — while federal offices are closed and the stock and bond markets take the Friday off.
Do UPS and FedEx deliver on the Fourth of July?
No — it's a full holiday for both, with no pickup or delivery and no drop-box collection. UPS Express Critical and FedEx Custom Critical run every day of the year and are the only exceptions.
Does trash pickup change when July 4 falls on a weekend?
Often it doesn't. Many haulers observe the holiday on the calendar date, which leaves weekday routes alone; the ones that follow the federal observed day shift instead. That year's notice from your city or hauler is what tells you which.