New Year’s Day is not just for recovering from hangovers. It’s a federal holiday in the U.S., typically reserved for celebrating the prospects of what a new year can bring. As is customary, some families will sit down to meals that include lentils or black-eyed peas. But most people will find it difficult to run errands on New Year’s Day, as most government offices and financial institutions are scheduled to be closed Friday. Here’s a listing of what’s closed Friday:

Postal offices will not be delivering mail . So if you’ve got mail to send, it will likely sit in a mailbox until the first collection time Saturday or Monday. Packages shipped through  UPS and  FedEx will not arrive still arrive if the delivery date falls on the holiday. UPS and FedEx are also scheduled to be closed. processes and ships some orders on the holiday, but could be delayed.

Most major banks  covered by the Federal Reserve Bank  observe New Year’s Day as a holiday. Transactions and deposits made at ATMs may not be reflected on bank-account and credit-card statements until Monday, the next business day. Wiring money to friends and family members is possible if done online on  Western Union and  MoneyGram websites. Hours for walk-in money wiring service locations may vary.

If you’re in need of driver’s license or other government-issued identification card services, those offices also are scheduled to be closed. That includes most state departments of motor vehicles, federal Social Security offices and Veterans Affairs centers. Hospitals never close, but some of their departments, such as the pharmacy, may have limited hours or be closed.

Most U.S. workers who have the day off are still paid for the day. Most American employers give their workers the holiday off,  according to a Bloomberg BNA Holiday Practices Survey. Employers similarly give their employees days off on Memorial Day, Independence Day, Labor Day, Thanksgiving and Christmas Day.