Federal Holiday Guide: What’s Open and Closed in the U.S.
USA, January 25, 2026 – With the recent observance of Martin Luther King Jr. Day and Presidents Day on the horizon, understanding what services and businesses operate on a federal holiday is key for planning errands, travel, and financial transactions. While the specific date changes, the pattern of closures for government services and openings for most consumer retail remains consistent across most federal holidays.
The Standard Federal Holiday Closure Pattern
Federal holidays in the United States, like the recently observed Martin Luther King Jr. Day on Monday, January 19, trigger a standard set of closures for public institutions. This schedule is followed by the 11 official federal holidays in 2026. The next major holiday, Presidents Day, will be observed on Monday, February 16.
It is crucial to remember that federal holiday closures are mandatory only for federal government operations and financial institutions that follow the Federal Reserve schedule. Private businesses, including most retailers, have full discretion to remain open.
What Is Typically Closed on a Federal Holiday
| Service/Institution | Holiday Status |
|---|---|
| Federal, State & Local Government Offices | Closed |
| U.S. Postal Service (USPS) | Closed; No regular mail delivery |
| Public Schools (K-12) | Most districts are closed |
| Banks & Credit Unions | Branches closed (ATMs/online banking available) |
| Stock Markets (NYSE, Nasdaq) | Closed |
| Federal Courts | Closed |
| Libraries | Most public libraries are closed |
What Is Typically Open on a Federal Holiday
In contrast to public sector closures, the vast majority of consumer-facing businesses remain open, often with normal or slightly modified hours. This was clearly seen on MLK Day 2026.
| Business Category | Examples (Typically Open) |
|---|---|
| Grocery Stores & Supermarkets | Walmart, Kroger, Aldi, Publix, Whole Foods, Trader Joe’s, Costco |
| Department & Big-Box Retailers | Target, Macy’s, Kohl’s, TJ Maxx, Home Depot, Lowe’s |
| Pharmacies | CVS, Walgreens, Rite Aid (store open; pharmacy hours may vary) |
| Restaurants & Fast Food | Most chain and local restaurants operate normally |
| Convenience Stores & Gas Stations | Open 24/7 locations remain operational |
| Movie Theaters & Entertainment Venues | Typically open, sometimes with holiday promotions |
| National Parks | Open, though free admission days vary |
Frequently Asked Questions
Do private companies have to give employees the day off on a federal holiday?
No. There is no federal law requiring private employers to provide paid time off for holidays. Company holiday policies are set by the employer. Many white-collar employers mirror the federal schedule, while retail, healthcare, and hospitality often remain open.
Will my package be delivered by UPS or FedEx on a federal holiday?
UPS and FedEx typically operate on a modified service schedule. Most residential and commercial delivery services are suspended, but some retail store locations and drop-off points may be open. Always check the carrier’s website for specific holiday service alerts.
If I deposit a check on a holiday, when will it clear?
Transactions initiated on a federal holiday, including mobile check deposits, generally will not begin processing until the next business day. Plan for a one-day delay in funds availability for any banking activity conducted on a holiday.
Are all retail stores open on holidays like MLK Day?
While most major chains are open, some small, locally-owned businesses may choose to close. It is always advisable to check the social media or website of a specific small business before visiting on a holiday.