You can count on us
When disasters occur, we want our customers, clients, and communities to know that BMO has their back. We’re here to help you navigate difficult times with relief, assistance, and resources.
To find help specific to your needs, scroll below to find the financial products and programs that are relevant to you, and learn how to get in touch with a banker for next steps.
Personal + Business Banking
Checking, Money Market, and CD
Checking and money market relief assistance includes:
Monthly maintenance fees and non-BMO ATM transaction fees will be waived. ATM surcharge fees charged by ATM operators will still apply.1- Overdraft fees will be waived. footnote 1
- For personal accounts only: We’ll continue to use our discretion to pay items that overdraw the account when sufficient funds are not available (excludes BMO Smart Money Checking).
For Certificate of Deposits (CD):
For assistance with CD Early Withdrawal Penalties associated with a CD partial withdrawal or early CD closure, please call 1-888-340-2265.
Call us at 888-340-2265
Central Standard Time (CST) Monday to Friday 7:00 a.m. – 11:00 p.m. Saturday and Sunday 8:00 a.m. – 10:00 p.m.
Pacific Standard Time (PST)Monday to Friday 5:00 a.m. – 9:00 p.m.Saturday and Sunday 6:00 a.m. – 8:00 p.m.
Visit your local branch if safe to do so. For branch hours, please visit our branch locator.
Personal Banking
Loans, Lines of Credit, and Credit Cards
For eligible customers, loan, line of credit, or credit card relief includes footnote 2 :
Account fees, including late fees, will be waived.
Payment due dates for mortgages, loans, and lines of credit will be extended.
Reduced payments may be available.
For automobile loans, recreational vehicle loans, marine (boat) loans, credit cards, or unsecured loans/lines assistance inquiries:
Please visit your local branch or call us.
Call us at 866-618-8686
Central Standard Time (CST)Monday through Friday: 8:00 a.m. – 11:00 p.m. Saturday: 8:00 a.m. – 9:00 p.m. Sunday: 12:00 p.m. – 9:00 p.m.
Pacific Standard Time (PST)Monday through Friday: 6:00 a.m. – 9:00 p.m. Saturday: 6:00 a.m. – 7:00 p.m. Sunday: 10:00 a.m. – 7:00 p.m.
Visit your local branch if safe to do so. For branch hours, please visit our branch locator.
Real Estate Secured Loans or Lines of Credit
Looking for relief for a mortgage or a personal loan or line of credit that is secured with real estate? To learn more about our relief programs, or for other assistance inquiries:
- Please visit your local branch or give us a call.
Call us at 855-290-4759
Central Standard Time (CST)Monday to Friday: 7:30 a.m. - 10:00 p.m.Saturday: 9:00 a.m. – 2:00 p.m.
Pacific Standard Time (PST)Monday to Friday: 5:30 a.m. - 8:00 p.m.Saturday: 7:00 a.m. – 12:00 p.m.
Personal Banking
Personal low-interest rate loans
In times of natural disasters, we have low-interest loans that can provide temporary financial relief as you recover and rebuild.
To learn more about applying, interest rates, and terms, visit us at a BMO branch near you, or give us a call.
Call us at 888-340-2265
Central Standard Time (CST)Monday through Friday 7:00 a.m. – 11:00 p.m.Saturday and Sunday 8:00 a.m. – 10:00 p.m.
Pacific Standard Time (PST)Monday to Friday 5:00 a.m. – 9:00 p.m.Saturday and Sunday 6:00 a.m. – 8:00 p.m.
Visit your local branch if safe to do so. For branch hours, please visit our branch locator.
Business Banking
Business Loans, Lines of Credit, and Credit Cards
Looking for relief options for an existing business loan, line of credit, or credit card or new financing to help you recover?2 To learn more about our relief programs, or for other assistance inquiries:
- Please give us a call.
Call us at 866-618-8686
Central Standard Time (CST)Monday through Friday: 8:00 a.m. – 11:00 p.m.Saturday: 8:00 a.m. – 9:00 p.m.Sunday: 12:00 p.m. – 9:00 p.m.
Pacific Standard Time (PST)Monday through Friday: 6:00 a.m. – 9:00 p.m.Saturday: 6:00 a.m. – 7:00 p.m.Sunday: 10:00 a.m. – 7:00 p.m.
Natural Disaster Relief FAQs
To learn more about our automobile loan, recreational vehicle loan, marine (boat) loan, credit card, or unsecured loans/lines relief programs, please call us at 866-618-8686.
Central Standard Time (CST) Monday through Friday: 8:00 a.m. – 11:00 p.m. Saturday: 8:00 a.m. – 9:00 p.m. Sunday: 12:00 p.m. – 9:00 p.m.
Pacific Standard Time (PST)Monday through Friday: 6:00 a.m. – 9:00 p.m. Saturday: 6:00 a.m. – 7:00 p.m. Sunday: 10:00 a.m. – 7:00 p.m.
Looking for relief for a mortgage or a personal loan or line of credit that is secured with real estate? To learn more about our relief programs, or for other assistance inquiries, please call Loan Servicing at 855-290-4759
Central Standard Time (CST)Monday through Friday 7:30 a.m. – 10:00 p.m.Saturday 9:00 a.m. – 2:00 p.m.
Pacific Standard Time (PST)Monday through Friday 5:30 a.m. – 8:00 p.m.Saturday 7:00 a.m. – 12:00 p.m.
If your account is current when you apply for relief, we will continue to report you as current during the period in which your relief is granted. If your account was delinquent when you applied for relief, we will continue to report your account as delinquent, unless and until you bring your account current.
We’ll continue to monitor the situation and provide the best support we can to our customers. We encourage you to keep visiting this page to get the latest updates.
You can apply for disaster assistance on the FEMA website, by calling 800-621-3362 from 7:00 a.m. to 10:00 p.m. Eastern Time, or by using the FEMA mobile app.
Resources for you
Help protect yourself with BMO Alerts
Fraud and cyber attacks are becoming more common and complex every day. One of the best ways to help protect your accounts is to stay on top of your transactions.
Be mindful of fraud in the wake of recent wildfires in California
In the wake of natural disasters like wildfires, scammers often exploit individuals through fraudulent schemes.
Banking with BMO
Bank in branch or anytime, anywhere with BMO Digital Banking.
Digital banking with confidence
You can do most of your banking anytime, anywhere using BMO Digital Banking.
Find a branch near me
Visit your local branch.
- footnote 1 Fees will be waived starting within two Business Days after the relief is requested. The program period is 30 days from the date the waiver is applied.
- footnote 2 Only applicable for FEMA-declared major disasters.