BMO branch hours vary by location, but most open between 9 and 10 a.m. on weekdays

BMO Financial Group operates thousands of branches across the United States and Canada, and opening times differ depending on which branch you visit. Most U.S. branches open at 9 or 10 a.m. on Monday through Friday, though some locations in busy downtown areas or shopping centers open as early as 8 a.m. Weekend hours are shorter: Saturday hours typically run 9 a.m. to 1 or 2 p.m., and most branches are closed on Sunday.

The fastest way to find your specific branch's hours is to use the BMO branch locator on their website or call the branch directly. Hours can shift seasonally or without notice, so checking before you travel is worth the two minutes it takes. What you find in the locator is current; printed schedules or information from months ago may no longer be accurate.

Key Takeaways

  • Most BMO branches open at 9 or 10 a.m. on weekdays, with some downtown locations opening at 8 a.m.
  • Saturday hours are usually 9 a.m. to 1 or 2 p.m., and most branches do not open on Sunday.
  • The BMO branch locator tool on their website shows exact hours for your nearest location.
  • Holiday schedules and seasonal changes can shift hours, so confirm before making a trip.
  • If you need banking services outside branch hours, BMO offers 24/7 phone banking and online account access.

How to find your branch's exact opening time

BMO's branch locator is the most reliable source. Go to bmo.com, select "Locations" or "Find a Branch," enter your city or ZIP code, and the tool will display the address, phone number, and full hours for each nearby branch. Hours are updated regularly, so this method shows current information rather than what may have been posted months ago.

If you prefer to call, the branch's direct number appears in the locator results. Staff can confirm hours for the day you plan to visit and let you know if any services (like notary or safe deposit box access) have different schedules. This is especially useful if you're planning a visit during a holiday week or unusual time of year.

Typical weekday and weekend schedules

On Monday through Friday, most BMO branches operate from 9 a.m. to 5 p.m., though some stay open until 6 p.m. or close as early as 4 p.m. Branches in high-traffic areas—downtown cores, major shopping malls, or near transit hubs—often have extended weekday hours and may open at 8 a.m. Some of these locations also stay open later in the evening to serve commuters and working professionals.

Saturday hours are noticeably shorter. Expect 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. at most locations. Very few BMO branches open on Sunday, and those that do typically operate only from 11 a.m. to 3 p.m. in select high-traffic markets. If Sunday banking is important to you, the branch locator will show whether your nearest location is open that day.

Holiday closures and seasonal changes

BMO branches close on major U.S. and Canadian holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some branches may also close on regional holidays depending on location. The branch locator and your local branch's phone line will show which holidays affect your specific location.

Hours can also shift during the winter months or around major banking events. If you're planning a visit around a holiday or during an unusual time of year, a quick phone call to confirm is the safest approach. Many branches post holiday schedules several weeks in advance, so you can plan ahead.

Banking outside of branch hours

If you need to handle banking when branches are closed, BMO offers 24/7 phone banking at 1-800-363-9992 (U.S.) or 1-800-387-2828 (Canada). You can check balances, transfer funds, pay bills, and handle many account questions without visiting a branch. Phone banking staff can also answer questions about your account or direct you to the right service.

BMO's online banking platform and mobile app also work around the clock. You can deposit checks by phone, transfer money, pay bills, and manage your account from any device. ATMs are available 24/7 at most BMO locations and at partner networks, so you can withdraw cash or deposit checks even when the branch is closed. This means you're never truly locked out of your account.

What to bring and what services require appointments

For routine transactions like deposits, withdrawals, and account inquiries, you can walk in during regular hours without an appointment. Bring your debit card or account number and a photo ID. Most routine visits take just a few minutes.

Some services—like opening a new account, explore for a mortgage, or accessing a safe deposit box—may require an appointment, especially during busy times. Call ahead if you need one of these services, as wait times can be long during lunch hours and late afternoon on weekdays. Scheduling an appointment ensures a staff member is available to give your request the time it needs.

Frequently Asked Questions

Does BMO open early on any days?

Some branches in downtown areas or major shopping centers open at 8 a.m. on weekdays, but most open at 9 or 10 a.m. Use the branch locator to see if your location has early hours.

Can I do my banking if the branch is closed?

Yes. Phone banking is available 24/7 at 1-800-363-9992 (U.S.), online banking works around the clock, and ATMs are available 24/7 for deposits and withdrawals.

Are BMO branches open on holidays?

No. BMO closes on major holidays like New Year's Day, Independence Day, Thanksgiving, and Christmas. Check the branch locator or call your branch to confirm which holidays affect your location.

Do I need an appointment to visit BMO?

Walk-ins are welcome for routine transactions. Appointments are recommended for account openings, mortgage applications, or safe deposit box access, especially during peak hours.

What if my branch has unusual hours?

Some branches in rural areas or small towns may have shorter hours or close one day per week. The branch locator shows the exact schedule for your location, or you can call the branch directly.