U.S. markets are not open for the stock market open today question: the New York Stock Exchange, Nasdaq and bond markets will be closed on Friday, July 3, before the Fourth of July holiday. Traders who planned to move cash or positions this week face a shorter schedule, with regular trading set to resume Monday, July 7.
Friday, July 3 also sits between a holiday weekend and a Saturday observance of the Fourth of July, which makes the calendar easy to misread. The 250th anniversary of the Declaration of Independence adds to the holiday framing, but the practical issue is simpler: the main U.S. trading venues are shut for the day.
New York Stock Exchange, Nasdaq closed
Friday, July 3 is the key trading cutoff for investors using the New York Stock Exchange or Nasdaq. Bond markets are closed too, so price discovery pauses across the core U.S. market structure. For traders who need to rebalance before the long weekend, the window closes one day earlier than a normal week.
Monday, July 7 is the first regular session back. That gives market participants a clean restart after the Fourth of July holiday, but it also compresses any order handling, settlement planning and end-of-week positioning into a shortened schedule.
Banks, Postal Service and FedEx
Most banks are expected to remain open on Friday, although some locations may operate with modified schedules. Banks are expected to be closed on Saturday, which creates a split schedule that is easy to miss if you are planning a deposit, withdrawal or branch visit around the holiday.
The U.S. Postal Service will deliver mail as usual on Friday and post offices will remain open, while post offices will be closed on Saturday for the Fourth of July. FedEx locations will have modified hours and service on Friday and will be closed on Saturday. UPS Store locations and its Domestic Ground, Air and International service will operate normally on Friday, while UPS retail locations will be closed on Saturday, with some exceptions.
Holiday schedule for traders
Cryptocurrency markets will keep trading 24/7 and will not be affected by the Fourth of July or any federal holidays. For traders who use both stocks and crypto to manage weekend exposure, that means one market stays open while the other closes for the day.
The practical question now is which bank branches will adjust hours on Friday, July 3. If a transfer, cash move or market order needs to happen before the holiday, the safest reading is to complete it before the shortened schedule takes effect and before the markets shut for the day.
