Memorial Day might be the unofficial start to summer, but the Fourth of July is the holiday that most epitomizes it. It’s not just Independence Day, it’s a chance to lounge in or around a pool and enjoy the warm days with friends. But if you’ve got business to conduct or food and drink to restock, it’s not a day without hurdles.

While many retailers are open, many running big summer sales, not all of them are. Some have reduced hours. And many essential services are closed for the day.

Trying to figure out what you can and can’t do today? We’ve got answers for you.

Are banks open on July 4?

July 4 is a federal holiday, meaning all major banks (and pretty much all the minor ones) will be closed. You can, however, still use ATM machines to get cash or put money into your account, and online banking is open, though many transactions won’t process until Monday morning.  

Will there be any mail delivery on July 4?

Don’t expect any mail or packages on Independence Day. The U.S. Postal Service does not operate on July 4 and UPS and FedEx generally suspend deliveries that day as well. Some FedEx Office Print & Ship Centers will be open, but be sure to call before you head there.

Is the stock market open on July 4?

The New York Stock Exchange, Nasdaq and bond markets are all closed. They’ll reopen on Monday.

Which department stores are closed on July 4?

Most retailers see July 4 as a chance to run a seasonal sale (it’s a great time to buy furniture, in fact). Some, though, like to give their employees a chance to relax with the rest of us. Costco will be closed on the holiday. And many locally owned small businesses choose to take the day off as well.

Which department stores are open on July 4?

Bass Pro Shops – Open on July 4

Belk – Open on July 4

Best Buy – Open July 4

Cabella’s – Open on July 4

CVS – Open on July 4

Dillard’s – Open July 4

Home Depot – Open on July 4

Ikea – Open on July 4, but some stores will close early

J.C. Penney – Open July 4

Kohl’s – Most store are open

Lowe’s – Open on July 4

Macy’s – Open July 4

Michael’s – Open July 4

Old Navy – Open on July 4

Rite Aid – Open on July 4

Target – Open July 4

T.J. Maxx – Open July 4

Walgreens – Open on July 4 (Some pharmacies may have reduced hours, however).

Walmart – Open regular hours.

Which grocery stores are open on July 4?

July 4 is one of the most popular days for cookouts, get-togethers and, well, day drinking. If you run out of hot dog buns or ketchup or beer, you shouldn’t have too much trouble getting more. It’s worth noting, however, that even if a store is listed below as open, it’s smart to check with them to ensure they don’t have reduced hours.

Aldi – Open on July 4, but with limited hours.

Food Lion – Open on July 4

Harris Teeter – Open on July 4

Ingles – Open on July 4

Kroger – Open on July 4

Publix – Open on July 4.

Safeway – Open on July 4

ShopRite – Open on July 4

Stop and Shop – Open on July 4

Trader Joe’s – Open on July 4

Wegmans – Open on July 4

Whole Foods – Open on July 4