With Spring Break underway (or about to begin) in many school districts and Easter Sunday just a few days away, it might make sense to think Good Friday is an official holiday. It’s not, but that’s not stopping some services from taking the day off.

Most years, if Wall Street is closed, it’s a safe bet that local and state governments and banks will be as well. When it comes to Good Friday, though, there’s a divide. Confused? Here’s what you can expect.

Are banks open on Good Friday?

Honestly? It depends where you live. Good Friday is not a federal holiday, so banks in most states will be open. Twelve states, however, recognize Good Friday as a state holiday, so if you live in Connecticut, Texas, Delaware, Hawaii, Indiana, Tennessee, Florida, Kentucky, Louisiana, New Jersey, North Carolina, or North Dakota, you might have to rely on the ATM or online banking.

Will there be any mail delivery on Good Friday?

Because Good Friday isn’t a federal holiday, the U.S. Postal Service will operate normally. UPS and FedEx will also conduct business as usual, with drop-off locations offering normal hours.

Is the stock market open on Good Friday?

After the volatility of the past couple of weeks, even day traders are ready for a break. The stock market observes Good Friday as a holiday, so the New York Stock Exchange and Nasdaq will both be closed.

Are government offices open on Good Friday?

Much like banks, it really comes down to where you live. Since 12 states recognize the day as an official holiday, you won’t be able to access DMV offices, courts or city halls in Connecticut, Texas, Delaware, Hawaii, Indiana, Tennessee, Florida, Kentucky, Louisiana, New Jersey, North Carolina, and North Dakota.

Which retail and grocery stores are closed on Good Friday?

None, really (though some small businesses might make an exception). No major retailer takes Good Friday off. Many count on the day to be busy as last-minute shoppers grab an Easter outfit or assist the Easter Bunny in his duties.