Today, though, is normally a work day—the day we all get back into our routine. But Jan. 1 fell on a Sunday this year, which means the status quo has been upended. (Heck, even College bowl games weren’t played yesterday, though there are four major ones today.)

The shift of the New Year’s holiday (observed, at least) from Sunday to Monday likely won’t upset your plans if you’ve got retail shopping to do. But if you’ve got business with a government office—or are hoping to trade stocks, it’s going to be a bit more complicated.

Here’s a look at who’s open and closed on New Year’s Day (observed) 2022.

Are banks open on Jan. 2?

The start of the new year is a federal holiday, and as such, banks are closed. Since New Year’s Day fell on a Sunday, it’s being observed by the government on Monday. You can, however, still use ATM machines to get cash or put money into your account.

Will there be any mail delivery on Jan. 2?

Don’t count on it. The U.S. Postal Service does not operate on New Year’s Day. As for UPS and FedEx, it’s not so cut and dry.

FedEx Ground, Home Delivery and Ground Economy will all be operating. FedEx Express, however, will not be offered. UPS, meanwhile, will not offer domestic ground, air or international service. Some UPS stores will be open, however, though you’ll want to call before you head there.

Is the stock market open on Jan. 2?

The New York Stock Exchange, Nasdaq and bond markets are all closed. Trading will kick off for 2023 on Tuesday.

Are government offices open on Jan. 2?

City, county, state and federal offices are generally closed. There could be the occasional exception, but you’ll still want to call and confirm.

Which retail and grocery stores are open on Jan. 2?

Pretty much all of them. Retailers that are closed for New Year’s Day took the day off yesterday. Whether you’re hoping to take advantage of clearance deals or plan to load up on diet friendly foods, you’ve got free reign.