As Martin Luther King Jr. Day and Inauguration Day approach, many are wondering which businesses and government services will be open or closed. On Martin Luther King Jr. Day, federal holidays typically see banks and post offices closed, while some stores and restaurants will remain open. Major stock markets also observe this holiday, leading to questions about their hours. Furthermore, educational institutions may have varying policies regarding school closures on this day. In addition, specific regions, such as Seattle and Indiana, will have unique schedules for local services. This guide aims to clarify what to expect regarding the operation of banks, schools, and government offices during these significant days.