As Christmas approaches, shoppers and workers across the country are navigating adjusted schedules as many retailers, government offices and financial institutions modify their operating hours ahead of the holiday. With Christmas Eve falling midweek this year, the final days before the holiday are expected to be among the busiest for stores and grocery chains, while closures on Christmas Day and limited hours on surrounding days are prompting consumers to plan ahead.

Several major retailers are extending hours in the days leading up to Christmas to accommodate last-minute shoppers, though most will close earlier than usual on Christmas Eve. Wholesale club Costco has confirmed that its warehouses will operate on reduced schedules, closing at 5 p.m. on Dec. 24. Walmart locations nationwide are also expected to close early, with most stores shutting their doors at 6 p.m. Target locations may vary by market, but many stores will close around 8 p.m. on Christmas Eve after offering extended hours earlier in the week. Sam’s Club members should expect a 6 p.m. closing time on Christmas Eve, while Trader Joe’s stores are planning to end operations at 5 p.m.

Department and apparel retailers are following similar patterns. Macy’s and Nordstrom locations will generally close earlier than normal on Christmas Eve, with many stores ending the day by 5 p.m. Old Navy locations are expected to close around 6 p.m., while Walgreens stores will largely remain open during regular business hours, though pharmacy counters may operate on limited schedules. Grocery chains including Mariano’s, Jewel-Osco, Meijer, Sunset Foods and Heinen’s are also adjusting hours, with most closing between 4 p.m. and 7 p.m., depending on the brand and location. Whole Foods stores are expected to operate with modified hours, and Starbucks customers are advised to check individual store schedules.

Shopping malls across the Chicago area and surrounding suburbs are also reducing hours on Christmas Eve after extended shopping days earlier in the week. Many major malls will close between 5 p.m. and 6 p.m., including Woodfield Mall, Oakbrook Center, Water Tower Place and several outlet centers. Shoppers are encouraged to verify hours directly with mall management, as opening times may differ by location.

Beyond retail, several essential services are operating on altered schedules. Most banks will remain open on Christmas Eve but are expected to close earlier than usual. Mail delivery through the United States Postal Service will continue on Dec. 24 and again on Dec. 26, though post office branches will be closed on Christmas Day. Government services in Illinois, including secretary of state offices and DMVs, will be closed on both Dec. 24 and Dec. 25 before reopening on Friday.

Financial markets are also observing holiday schedules. The New York Stock Exchange and Nasdaq will end trading early at 1 p.m. on Christmas Eve and remain closed for Christmas Day, resuming normal operations on Dec. 26.

With a mix of early closures and full-day shutdowns across sectors, consumers are advised to complete errands early and confirm local hours before heading out. The compressed holiday schedule is expected to drive heavier traffic in stores and malls during limited operating windows, making advance planning essential in the final stretch before Christmas.