U.S. financial markets were closed on Friday, July 3, giving investors a long holiday weekend before the Fourth of July. The New York Stock Exchange, Nasdaq and bond markets all shut for the day, and regular trading was set to resume on Monday, July 7.
That is why the question, is the market closed on July 3rd, lands every year: the answer is yes for major U.S. markets, even though the closure comes a day before the holiday itself. Cryptocurrency markets were not affected, since they trade 24/7 and keep moving through federal holidays.
For people watching cash and paper transactions, the calendar looked less uniform. Most banks were expected to stay open on Friday, though some branches could run shorter hours, and banks were expected to be closed on Saturday. The U.S. Postal Service delivered mail as usual on Friday and kept post offices open, then closed on Saturday for the holiday. FedEx locations operated with modified hours on Friday and were closed on Saturday, while FedEx Custom Critical and FedEx Logistics ran normally on Friday. UPS store locations and Domestic Ground, Air and International service operated normally on Friday, with UPS retail locations closed on Saturday except for some locations.
The split is the part that can catch people off guard. Financial markets closed for the holiday schedule, but banks and shipping services did not all follow the same calendar, and government offices also ran on different rules, with most closed on the Friday before the holiday or operating on modified hours. That mix is typical for the long weekend tied to one of the 12 recognized federal holidays in the United States.
The practical takeaway is simple: if you needed market hours, July 3 was a dead day, and the next live session was Monday, July 7. If you only needed banking, mail or package service, the answer depended on the provider, not just the holiday.
