Major Retailers and Shopping Centers Open on Christmas Day 2025
Many large retailers and shopping centers in the United States remain open on Christmas Day 2025, with most opening at 10:00 AM and closing between 6:00 PM and 8:00 PM. Target, Walmart, and Costco typically operate reduced hours on December 25, while malls such as Mall of America and King of Prussia Mall keep anchor stores open for holiday foot traffic. According to industry reports, grocery chains like Kroger and Albertsons also maintain limited Christmas Day hours in select locations, with some stores opening as early as 8:00 AM. For exact store-level schedules, customers should check individual location pages on each retailer's official website Forbes.
Online shopping platforms including Amazon, Walmart.com, and Target.com continue full operations on Christmas Day, with same-day delivery and pickup options available in many metro areas. Amazon's Prime delivery network and Walmart's Spark driver network typically handle peak holiday volume, with the company reporting millions of deliveries during the Christmas week. Brick-and-mortar returns desks at major retailers often remain open on December 26, aligning with post-holiday return policies that extend through early January.
Banks, ATMs, and Financial Services Availability on Christmas Day
Federal banks and credit unions are closed on Christmas Day 2025, as the holiday is a federally recognized bank holiday. The Federal Reserve, FDIC-insured banks, and most credit union branches remain closed, while ATMs and digital banking platforms continue to operate normally. Customers can still access account balances, transfer funds, and pay bills through mobile apps and online banking portals during the holiday.
Stock markets, including the New York Stock Exchange and Nasdaq, are closed on Christmas Day and observe an early close on December 24. Bond markets and most foreign exchange desks also operate on reduced schedules, with interbank trading volumes typically declining on major holidays. Financial data providers and robo-advisory platforms such as Vanguard and Fidelity maintain system access for account viewing, though trading desks remain closed.
Delivery Services, Restaurants, and Essential Businesses Open on Christmas
Major delivery carriers including UPS, FedEx, and the United States Postal Service suspend regular ground and residential delivery operations on Christmas Day. UPS and FedEx typically resume pickup and delivery services on December 26, while USPS does not deliver mail or packages on federal holidays. Amazon Flex and regional courier services may offer limited Christmas Day delivery in select urban zones for Prime members and pre-ordered items.
Restaurant availability on Christmas Day varies by brand and location, with fast-food chains such as McDonald's, Taco Bell, and Wendy's operating select locations under reduced hours. Starbucks, Dunkin', and Panera Bread often keep a limited number of stores open, particularly in airports, transit hubs, and high-traffic urban areas. For real-time availability, customers can use company apps and third-party delivery platforms like Uber Eats and DoorDash to filter restaurants open on December 25 in their specific zip code SEC.