The Fourth of July, or Independence Day, is a time for celebration, but it also means significant shutdowns for financial and postal services. Here’s what you need to know about when the stock market is open and when to expect mail delivery and banking services.
Stock Market Hours for July 3, 2026
July 3, 2026, is a stock market holiday due to the Independence Day observance. The New York Stock Exchange (NYSE) and Nasdaq are both closed. This closure is part of the official Independence Day holiday schedule, creating a three-day weekend for traders and investors. Because July 4, 2026, falls on a Saturday, the market observes the holiday on Friday, July 3rd. This closure impacts both equity and bond markets. This closure impacts both equity and bond markets, but crypto exchanges remain open through the holiday.
Banking Services on July 3, 2026
Banks are generally open on July 3, 2026, but this can vary by institution. Many banks will close on July 4th, the actual Independence Day, but digital banking services remain operational. Physical branches may have limited hours or closures in some areas, so it is advisable to check with your specific bank for details.
Mail Delivery on July 3, 2026, and July 4, 2026
There is no mail delivery on both July 3rd and July 4th, 2026. The United States Postal Service (USPS) observes the Independence Day holiday, leading to no mail delivery or pick-up on either day. This means any mail sent on or around these dates will experience delays. The USPS will resume normal operations on July 6, 2026.
"Banks are generally open on 3rd July 2026, but this can vary by institution. Many banks will close on July 4th, the actual Independence Day, but digital banking services remain operational."
