With Independence Day just around the corner, many Americans are preparing to celebrate the federal holiday with fireworks, cookouts, and time spent with loved ones. As always, the Fourth of July brings several closures and schedule changes, giving employees time off—but it also means customers should plan ahead.
Restaurants: Mostly Open, Some on Modified Hours
While most restaurant chains will be open on July 4, many will operate with reduced hours. If you’re planning to dine out, it’s a good idea to call ahead or check the chain’s app for specific local hours.
Here are some national chains expected to remain open (with possible schedule adjustments):
- Applebee’s
- Buffalo Wild Wings
- Burger King
- Chick-fil-A
- Chipotle
- Culver’s
- Dairy Queen
- Denny’s
- Domino’s
- Dunkin’
- Firehouse Subs
- Golden Corral
- IHOP
- Jersey Mike’s
- KFC
- McDonald’s
- Noodles & Company
- Olive Garden
- Panera Bread
- Pizza Hut
- Popeyes
- Qdoba
- Red Lobster
- Ruth’s Chris Steak House
- Sonic
- Starbucks
- Taco Bell
- Wendy’s
- Waffle House
Note: Local hours may vary, and some outlets in smaller towns or malls may close early.
Grocery Stores: Mostly Open, Modified Hours
Most major grocery and convenience store chains will be open, though many will follow holiday hours:
- Open: Target, Trader Joe’s, Whole Foods, Kroger, Publix, IKEA (modified hours likely)
- Closed: Costco and Raising Cane’s, per company policy
Be sure to check your local store’s website or app for updated hours before heading out.
Stock Market: Early Closure, Full Shutdown
- July 3: The NYSE and Nasdaq will close early at 1 PM ET, and the U.S. Bond Market will close at 2 PM ET.
- July 4: All major U.S. financial markets will be closed for the holiday.
Post Offices and Delivery Services
- USPS: Closed on July 4, except for Priority Mail Express services.
- UPS & FedEx: Most deliveries will be suspended, though UPS Express Critical will remain in operation.
Banks and Financial Institutions: Closed
Most banks will be closed on Independence Day, including:
- Bank of America
- Wells Fargo
- PNC
- Truist
- Citibank
- JPMorgan Chase
- Capital One branches
Capital One Cafés, however, will be open.
Plan Ahead
To avoid last-minute surprises, it’s wise to complete errands or shopping before July 4, as crowds and closures can cause delays. Whether you’re heading out for a quick bite or stocking up on supplies, checking hours in advance will help you enjoy a smooth, stress-free holiday.
