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Frequently asked questions

What are my branch hours?


Use our branch locator tool to see your branch’s bank hours.


Book an appointment

What do I do when I received a suspicious email or text message?


BMO does not send unsolicited emails or text messages asking for confidential information, such as your password, PIN, access code, credit card, debit card or account numbers.

Please report any suspicious email, text message or website to us at

If you believe you have been a victim of fraud or have suspicious transactions in your account, please contact us.

For more information about Phishing and Fraud, click here.

How do I activate my new card?


Once you receive it in the mail, please visit and enter your card number.

When will my government benefit payment be deposited to my account?


The Government of Canada provides a list of scheduled deposit dates for recurring Government of Canada benefit payments, including some provincial and territorial benefit programs administered by the Canada Revenue Agency. If you’ve signed up for direct deposit, payments will be automatically deposited into your bank account on these dates.

Where can I learn more about personal loans?


Our loans & lines of credit page can help you find the best option whether you need to borrow for a home renovation, vacation, car or RRSP top-up.

What are the rates at BMO?


To see our current interest rates for mortgages, BMO credit cards, bank accounts, RRSPs and more, visit rates at BMO.

What is BMO’s prime rate?


BMO's current prime rate is %

Why do I no longer need to advise you when I am travelling?


BMO uses advanced fraud detection systems to protect our customers from unauthorized transactions in Canada and around the world. Our fraud detection systems along with CHIP and PIN technology keep our customer’s credit card information secure while they are travelling.

How do I order cheques?


The easiest way to order cheques is to sign on to BMO Online Banking and follow these steps:

  1. Click My Accounts.
  2. Select your Bank Account.
  3. Click Order Cheques. For Small Business customers, click Re-Order Cheques.
  4. Follow instructions.

Please note: only accounts with cheque writing privileges can order cheques.

How do I complete a direct deposit form?


To set up direct deposits for your pay, download the BMO Direct Deposit form and follow these steps:

  1. Complete the form online.
  2. Save or print the form.
  3. Attach a void cheque or include your account number, financial institution number and branch transit number.
    • You can find this information on your cheques or by signing on to Online Banking.
    • Click My Accounts.
    • Select your bank account. You will find the information in the blue box.
  4. Send the completed form to the payer.

How do I pay my mortgage faster?


Check out these helpful tips on how to pay your mortgage faster.

What is the Canada Pro payment that’s been deposited to my bank account?


Canada Pro is an Ontario Trillium Benefit payment, iss​ued by the Canada Revenue Agency on behalf of the province of Ontario. To find out more about this payment, visit the Ontario Ministry of Finance site.

What is BMO’s SWIFT Code?


For Wire Payments in Canadian Dollars, BMO’s SWIFT BIC code is: BOFMCAM2

For Wire Payments in USD: PNBPUS3NNYC

Click here for more information on receiving Wire Payments.

What should I bring to my appointment?


Visit our What to bring to your appointment page to see what ID, documents and other info you need to bring along.

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BMO Credit Cards


For all BMO credit card inquiries.


Lost or stolen BMO credit cards Canada & US

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For all inquiries about investing.


GICs & Term Investments



BMO Insurance


BMO Nesbitt Burns

Account Management Unit


Consumer Collections


Monday to Friday: 7 am to 10 pm ET

Saturday: 8 am to  4 pm ET

Sunday:  1 pm to 8 pm ET

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Professional Card



Monday – Friday: 8am-8pm ET

Corporate Card


Monday – Friday: 8am-8pm ET

Privacy and Fraud


Online Fraud Reporting

Chief Privacy Officer

Personal Banking


Outside Canada and the Continental U.S:

(514) 881-3845