Second this. My experience is that your typical businesses will either follow the federal holiday schedule[0] or modify it by adding the day after Thanksgiving and Christmas Eve while removing 2-4 of the following: MLK Day, Presidents' Day, Columbus Day, Veterans' Day.

So, you'll typically get 8-10 PTO days, independent from vacation policy. That'll be different in the service industry - it's lucrative for some restaurants, gas stations, hotels, etc. to be open - but a lot of times hourly workers will get time-and-a-half for their troubles.

[0]: https://www.opm.gov/policy-data-oversight/snow-dismissal-pro...