How to check if BMO is open right now
BMO's hours vary by branch and day of the week. The fastest way to check if your specific branch is open today is to visit bmo.com, click "Locations," enter your zip code or city, and select your branch. The page shows today's hours, whether the branch is open now, and holiday closures.
If you need to reach BMO by phone instead, call 1-800-BMO-1234 (1-800-266-1234). The automated system can tell you branch hours and connect you to customer service. Most BMO branches are open Monday through Friday, but Saturday and Sunday hours vary—some branches open at 9 a.m. on Saturday and close by 1 p.m., while others stay closed on weekends entirely.
BMO also operates BMO Harris Bank locations in some states, which may have different hours than standard BMO branches. Check the location finder to confirm you have the right branch and its current schedule.
Key Takeaways
- Use bmo.com's location finder to see today's hours for your specific branch in seconds.
- Call 1-800-266-1234 if you need to confirm hours by phone or speak to someone immediately.
- Saturday and Sunday hours differ by branch—some open limited hours, others stay closed.
- BMO Harris Bank branches may have different hours than standard BMO locations in the same area.
- Most branches close on major federal holidays, though some may offer limited services through ATMs or mobile banking.
What to do if your branch is closed today
If your local BMO branch is closed, you have several options depending on what you need to do. ATMs are available 24/7 at most BMO locations and allow you to withdraw cash, deposit checks, and transfer money between your own accounts without visiting a teller.
For most banking tasks, BMO's mobile app and online banking work around the clock. You can pay bills, transfer money, deposit checks by photo, check balances, and manage accounts from your phone or computer. Download the BMO Mobile Banking app or log in at bmo.com to access these services immediately.
If you need to speak to someone, phone banking is available 24/7 at 1-800-266-1234. A representative can help with account questions, fraud disputes, card blocks, and many other issues without you visiting a branch. For complex matters like loan applications or large transactions, you may need to wait until the branch reopens.
BMO branch hours by day of the week
Most BMO branches follow a standard weekday schedule, but the exact times depend on your location. Generally, weekday hours run from 9 a.m. to 5 p.m. or 9 a.m. to 6 p.m., with some branches opening as early as 8 a.m. or staying open until 7 p.m. in busy areas.
Saturday hours are typically 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though not all branches are open on Saturday. Many BMO branches do not open on Sunday. The only way to know your branch's exact schedule is to check the location finder on bmo.com or call 1-800-266-1234, since hours vary significantly by region and individual branch.
Holiday closures and reduced hours
BMO branches close on major federal holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some branches may also close on other holidays depending on state or local observance. Even when branches are closed, ATMs remain available 24/7, and you can use mobile banking and phone banking to handle most transactions.
During holiday weeks, some branches may have reduced hours on days adjacent to the holiday. Check bmo.com's location finder a few days before a holiday to confirm whether your branch will be open and at what times. If you need to make a time-sensitive payment or transfer during a holiday closure, use online banking or the mobile app to complete it before the branch closes.
Using BMO services without visiting a branch
You do not need to visit a branch for most banking tasks. Mobile check deposit lets you photograph the front and back of a check and deposit it through the BMO app within seconds. Bill pay lets you schedule payments to any person or company directly from your account. Money transfers between your own BMO accounts happen instantly online.
If you need to send money to someone else, Zelle (available through BMO's app) transfers funds to other people's bank accounts in minutes. Wire transfers can be set up through phone banking or online banking for larger amounts, though these typically process within one business day and may have fees.
For deposits of cash or large checks, or if you need a cashier's check or certified funds, you will need to visit a branch during business hours. If your branch's hours do not work for your schedule, call 1-800-266-1234 to ask whether a nearby branch has different hours or whether another location can help.
Finding a BMO branch near you
BMO has branches across the United States, but the density varies by region. The fastest way to find a nearby branch is to go to bmo.com, click "Locations," and enter your zip code. The map shows all branches within your area, their addresses, phone numbers, hours, and services offered at each location.
Some BMO branches are located inside grocery stores or other retail locations, which may have different hours than standalone bank branches. The location finder specifies this, so you know whether the branch is in a separate building or inside another business. If you are traveling or relocating, you can search for branches in a different city the same way.
Frequently Asked Questions
Is BMO open on weekends?
Some BMO branches open on Saturday from 9 a.m. to 1 or 2 p.m., but not all locations offer weekend service. Most branches do not open on Sunday. Check your specific branch's hours on bmo.com or call 1-800-266-1234 to confirm. ATMs and mobile banking work 24/7 on weekends.
Can I deposit cash at a BMO ATM?
Yes, most BMO ATMs accept cash deposits 24/7. The funds typically post to your account within one business day. If you need the cash to be available immediately or need a receipt, visit a branch during business hours to deposit with a teller.
What if I need to speak to someone but the branch is closed?
Call 1-800-266-1234 for phone banking 24/7. A representative can handle account questions, fraud disputes, card issues, and many other matters without you visiting a branch. For complex transactions, you may need to schedule an appointment when the branch reopens.
Do BMO branches have different hours during holidays?
Yes, BMO branches close on major federal holidays and may have reduced hours on surrounding days. Check bmo.com's location finder a few days before a holiday to see your branch's schedule. ATMs, mobile banking, and phone banking remain available during holiday closures.
Can I do everything I need online instead of visiting a branch?
Most tasks—bill pay, transfers, check deposits, balance checks—work through the mobile app or online banking. You only need to visit a branch for cash deposits, withdrawals, cashier's checks, or complex matters like loan applications. For everything else, online and mobile banking are available 24/7.