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We’re here to help our customers through the Canada Post service disruption.

During the Canada Post service disruption, it is important to ensure that you:

  • are prepared to manage your finances during the disruption.
  • understand that a disruption will delay in receiving investment cheques, new or replacement debitcards, credit cards and mail correspondence to and from BMO.
  • are responsible for making regular payments for credit cards, mortgages, and loans, even if you areunable to receive bank correspondence by mail.

These are the alternate options that you can use to monitor your accounts and make payments:

Personal BankingBusiness Banking

With mail delivery delays:

  • Bills normally paid through Canada Post can be paid through OLB, Mobile Banking, Telephone Banking or in a branch.
  • Balances and payment information for CreditCards, Homeowner ReadiLine Homeowner’sLine of Credit and Personal Line of Credit canbe obtained through eStatements, OLB, orMobile Banking.
  • If bills are registered electronically, customers can also pay through any BMO ATM.
  • Customers can request to set up pre-authorized debits for regular payments to prevent missed payments.
  • Signing up for Online Banking (OLB) or Online Banking for Business (OLBB) at your local branch.
  • Registering for eStatements (OLB and OLBB) and Online Alerts (OLBB only). 

Learn more about which platform will best meet your ongoing needs on the Digital Banking for Business page.

With mail delivery delays:

  • Bills normally paid through Canada Post can be paid through OLB, OLBB, Mobile Banking, Telephone Banking or in a branch.
  • Credit card balance, Line of Credit accounts and payment information can be obtained through eStatements, OLB, OLBB, Mobile Banking and BMO Spend Dynamics.
  • If bills are registered electronically, customers can also pay through any BMO ATM.
  • Customers can request to set up pre-authorized debits for regular payments to prevent missed payments.

BMO Debit Cards:

  • To obtain a new or replacement BMO Debit Cards, BMO Debit Cards for Business please visit a local branch.
  • To report a Lost or Stolen BMO Debit Card, BMO Debit Cards for Business please call 1-800-361-3361 and our agents will be able to help or visit a local branch.
  • Misplaced your BMO Debit Card? You can lock it online immediately to pause all debit card transactions. Go to Account Details > Manage > Lock your card.
If you are a Business Banking or Commercial Banking customer with a dedicated BMO Relationship Manager, you can contact your BMO Relationship Manager or Customer Services Officer for support.
If you have any questions or to talk about your needs, find a BMO branch near you or call us at 1-877-225-5266.

Frequently Asked Questions

Important! Starting September 26, 2025, mail service through Canada Post has been paused due to the Postal Service Disruption.

  • When a postal strike occurs, incoming and outgoing mail for BMO customers is impacted.
  • Customers are still responsible for making their regular credit card payments even if they do not receive their statement due to the postal strike.

See below for answers to common questions on how your Credit card statements and Card delivery will be impacted by the strike.

Credit Card Statement Delivery FAQs

  • If you are enrolled in e-Statements:You will continue to receive e-Statements through BMO Online or Mobile Banking, or through Online Business Banking, if applicable. The postal service disruption will not affect your ability to access statements.

    If you receive paper statements:Paper statements will be delayed due to the postal service disruption. we can switch you to e-Statements today if you are interested. This will give you 24/7 access to your statements through BMO Online or Mobile Banking, or Online Business Banking, if applicable. You can also update your preferences by signing up for BMO Online or Mobile Banking. From here, you can switch to e-Statements and stay up to date with transactions, balances and payment information and also conveniently make payments.

    If you are the Primary cardholder and receive paper statements:With the change to e-Statements, you will no longer receive paper statements. If you wish to change back to paper statement after the disruption, you can easily change your preference using BMO Online or Mobile Banking, or Online Business Banking, if applicable.

    If you do not want to change to e-Statements:Your payment information, recent transactions and account balance are all available by phone (please call the number on the back of your card), BMO Online or Mobile Banking, or Online Business Banking, if applicable. Please visit your local BMO branch if you would like to have a copy of your account statement printed.

  • If you receive paper statements:If you prefer to continue to receive paper statements, delivery of your credit card statements will be delayed until the strike has ended. If you are interested, you can switch to e-Statements today. This will provide you with 24/7 access to your statements via BMO Online or Mobile Banking, or Online Business Banking, if applicable.

    If you do not want to switch to e-Statements, your payment information, recent transactions, and account balance are available through BMO Online or Mobile Banking or Online Business Banking, or by phone using number on the back of your card. Please visit your local BMO branch if you would like to have a copy of your account statement printed.

  • We encourage you to use BMO Online or Mobile Banking, or Online Business Banking if applicable, to view your payment information, recent transactions and account balance, or give us a call using the number on the back of your card to check your balance and payment due date.

    To sign up for BMO online banking, have your debit or credit card handy and select Register a new card for online banking from our BMO Online Banking webpage.

  • We understand that the postal service disruption may cause inconvenience and delays; however, standard payment due dates and interest rates still apply, and we recommend making your payment on time to avoid additional interest charges.

    You can complete a payment through BMO Online or Mobile Banking or Online Business Banking, in branch, or at a BMO ATM. To check your balance and payment due date, you can also use BMO Online or Mobile Banking, visit a branch, or contact us using the phone number on the back of your card.

    If your bank account is held at another Financial Institution, you can complete a bill payment to your BMO credit card at your local branch or by using their digital banking service. For payments from another Financial Institution, please allow 5 business days for your payment to be processed.

  • Paper statements could be delayed due to the postal service disruption. Please note that standard payment due dates and interest rates still apply, and we recommend making your payment on time to avoid additional interest charges.

    To check your account balance, recent transactions, and payment due date, you can use BMO Online or Mobile Banking, visit a branch, or contact us using the phone number on the back of your card. Switching to e-Statements will avoid any mailing delays and keep you up to date on your account.

    BMO is committed to supporting our customers and will provide flexibility for the duration of this postal disruption. Where any credit card customer expresses a concern that they were disadvantaged by not receiving a paper statement, we will work with that customer to address those concerns.

  • We encourage all customers to use BMO Online or Mobile Banking or Online Business Banking, or to contact BMO to check their balances and make payments for the duration of the disruption. Standard payment due dates and interest rates still apply, and we recommend making your payment on time to avoid additional interest charges.

    BMO is committed to supporting our customers and will provide flexibility for the duration of this postal disruption. Where any credit card customer expresses a concern that they were disadvantaged by not receiving a paper statement, we will work with that customer to address those concerns.

  • A timeframe has not been provided for the length of the disruption, but we are closely monitoring the progress through our contacts with Canada Post and through the media.

  • The timeline for delivery depends on how quickly Canada Post can deliver the backlog of mail following the end of the disruption.

    By switching to e-Statements, you have 24/7 access to your statements through BMO Online or Mobile Banking, or Online Business Banking if applicable.

Credit Card Delivery FAQs

  • Delivery of all credit cards will be delayed due to the Canada Post disruption. We have initiated some temporary options during this time:

    • Customers in some rural zones serviceable only by Canada Post are not eligible for courier service. These cards will be held until the end of the strike.
    • Call us at 1-800-263-2263 for replacements of lost, stolen, damaged cards or adding an authorized user. These cards can be sent to a branch of your choice for pickup. Cards should be available for pickup within 7 – 10 days of the replacement request.
    • In the case of an emergency, we can submit a rush request for delivery of your new card by UPS for a fee of $25. Due to volumes at UPS, we are unable to guarantee a delivery date due. If you receive your new card through this service, please be sure to destroy any cards that arrive by mail following the end of the postal service disruption. 

  • Once a product transfer has been completed, the features and benefits of your new BMO credit card will be available immediately. Your original card will remain active for 90 days from the date of transfer and will provide any rewards, accelerators, and embedded insurance offered through the new card until you receive and activate the new card.

    Note: For some transfers into BMO Rewards products, customers may start earning BMO Rewards points once the new card is activated.

    In the case of an emergency, we can submit a rush request for delivery of your new card by UPS for a fee of $25. We can not guarantee a delivery date due to volumes at UPS. If you receive your new card through this service, please be sure to destroy any cards that arrive by mail following the end of the postal service disruption. 

  • Please allow up to 10 business days for delivery. If this amount of time has passed, please visit your local BMO branch or contact us using the phone number on the back of your card for assistance.

  • Delivery of BMO credit cards will be delayed due to the Canada Post disruption; however, we can arrange to send a replacement card to a local branch for you to pick up. Please contact us using the phone number on the back of your card for assistance.

    In the case of an emergency, we can submit a rush request for delivery of your new card by UPS for a fee of $25. We can not guarantee a delivery date due to volumes at UPS. 

  • Under standard circumstances, BMO will notify customers when your credit has been mailed or shipped by courier through our tracking service. Due to the Canada Post disruption, this service has been temporarily disabled for all scenarios (except for credit cards sent via courier) to avoid inaccurate delivery information and confusion.

    Here are some general card delivery timeframes during the disruption:

    • Cards that are mailed through regular mail (via Canda Post) will be delivered once the strike has ended.

    • If replacements for lost, stolen, damaged credit cards or requests for authorized user access cards were requested to be picked up at a branch, cards should be available for pickup from the branch you chose within 7-10 days of the replacement request. A branch representative will contact you when the card has arrived.

    • Cards mailed out because of a product change will be delivered once the strike has ended, unless an alternative rush request was agreed upon.

    • Rush requests by UPS are available for a fee of $25 fee, and should be delivered within 3-5 days; however, we cannot guarantee a delivery date during the strike due to volumes at UPS. 

  • The delivery of all BMO correspondence will be delayed due to the Canada Post disruption. A letter confirming the closure of your account will be mailed but will not arrive until mail delivery services have resumed.

    You can also verify that your account has been closed by logging into BMO Online or Mobile Banking, or Online Business Banking.

  • To allow for processing, printing and shipping, please allow up to 10 days for the card to arrive at your local branch. A branch representative will contact you once the card has arrived; please ensure to bring government-issued photo identification when you visit the branch to pick up your card. 

  • The delivery of all BMO correspondence will be delayed due to the Canada Post disruption. A letter confirming your Credit Limit increase will be mailed but you may not receive it until mail delivery services have resumed.

    You can verify your credit limit using BMO Online or Mobile Banking, or Online Business Banking or by calling the phone number on the back of your card. Please note that it may take up to 7 days for a credit limit increase to be processed.

  • Login to BMO Online Banking and lock your card immediately >> Account Details > Manage > Lock your card.  This way no one can use it while you’re looking for it. If you find it, you can easily unlock it again. If you are still unable to locate your card, please call 1-800-263-2263 and one of our agents will be able to help.