Here's a look at what is open and what is closed Tuesday, Jan. 1, New Year's Day, a state and federal holiday.

• All banks will be closed today.
• The library will be closed and reopen on Wednesday, Jan. 2.
• Town Hall and all government offices will be closed and also reopen on Jan. 2.
• The Senior Center will be closed and also reopen on Jan. 2.
• The Post Office will be closed and there will be no mail delivery.
• All schools are closed.
• There is no trash pick-up today.
• Supermarkets such as Market Basket will be open.
• Liquor stores, retail stores, and restaurants will be open at the owner's discretion.
• There will be no bus service by the Lowell Regional Transit Authority on New Year's Day.