The federal holiday for July 4th will be observed on Friday, July 3rd, because the actual date falls on a Saturday. Americans will celebrate the country's 250th birthday on July 4th, leading to closures. Most banks will be closed on July 4th, though online services and ATMs will function. The United States Postal Service will close all branches and halt mail delivery on July 4th. UPS will have no pickup or delivery services, with store closures varying, while FedEx will close most services and alter hours for others. U.S. stock markets, including Nasdaq and NYSE, will be closed as July 4th is a Saturday. Schools will also be closed on July 4th, consistent with weekend schedules. Many major restaurant and grocery store chains are expected to be open, though some may have modified hours. Most large retail stores will open, but some, like Costco, will be closed. Pharmacies like Walgreens and some CVS locations will operate on July 4th, potentially with reduced hours, so checking ahead is advised.