BMO Hours: Full Schedule and 2025 Holidays
Written by
Sean Dennison
Edited by
Joe Evans
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BMO® (Bank of Montreal) serves customers across the U.S. with personal banking, mortgages, business services and digital tools.
Whether you’re planning an in-person visit or checking if a holiday closure affects a transfer or deposit, here’s everything you need to know about BMO’s regular hours and 2025 holiday schedule.
Is BMO Open on Holidays?
No. BMO branches close on all federal banking holidays, following the same schedule most major U.S. banks observe. Even when branches close, you can continue managing your accounts through:
- BMO Digital Banking
- The BMO Mobile App
- BMO ATMs, open 24/7
| Day | Access |
|---|---|
| Federal holidays | Branches closed; ATMs and digital banking remain available |
| Weekdays | Regular business hours |
| Weekends | Limited Saturday hours; closed Sundays |
Example: If you submit a mobile deposit on a federal holiday, it will be accepted but won’t begin processing until the bank reopens the next business day.
BMO 2025 Holiday Schedule
BMO follows the Federal Reserve’s official banking holiday calendar. Here’s when branches will be closed in 2025:
| Holiday | Date | Hours |
|---|---|---|
| New Year’s Day | Wednesday, Jan. 1 | Closed |
| Martin Luther King Jr. Day | Monday, Jan. 20 | Closed |
| Presidents Day | Monday, Feb. 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth | Thursday, June 19 | Closed |
| Independence Day | Friday, July 4 | Closed |
| Labor Day | Monday, Sept. 1 | Closed |
| Columbus Day / Indigenous Peoples Day | Monday, Oct. 13 | Closed |
| Veterans Day | Tuesday, Nov. 11 | Closed |
| Thanksgiving Day | Thursday, Nov. 27 | Closed |
| Christmas Day | Thursday, Dec. 25 | Closed |
The Federal Reserve observes 11 federal banking holidays each year, and virtually all major banks –including BMO — follow the same schedule.
What If You Need To Bank While BMO Is Closed?
Even on bank holidays, BMO gives customers several ways to stay on top of their finances:
- Use mobile deposit to submit checks
- Transfer funds or pay bills online
- Withdraw or deposit cash at ATMs
- Review account activity anytime in the app
- Set up automatic payments to avoid missed due dates
Example: If a payment is scheduled on a bank holiday, BMO processes it on the next business day, so setting up recurring payments can help avoid delays.
Local Branch Hours May Vary
BMO operates hundreds of branches across the Midwest and nationwide, and hours can vary by region. Some in-store branches located inside grocery stores or retail centers may follow the host store’s hours rather than standard bank schedules.
To confirm hours for your local branch, use the BMO branch locator online or in the mobile app.
BMO Regular Business Hours
Most BMO branch locations follow this general schedule:
| Day | Hours (Local Time) |
|---|---|
| Monday through Friday | 9 a.m. to 5 p.m. |
| Saturday | 9 a.m. to 12 p.m. or 1 p.m. |
| Sunday | Closed |
According to FDIC data, more than 70% of U.S. banking customers now use online or mobile banking weekly, making digital tools especially useful when branches close for holidays.
How To Contact BMO
If you need help when branches are closed or outside regular hours, you can reach BMO through:
- Phone: 1-888-340-2265 (automated services available 24/7)
- Website: bmo.com
- Mobile App: Available for iOS and Android
- Mail: BMO Harris Bank N.A., P.O. Box 94033, Palatine, IL 60094
Live customer service is available during normal weekday hours.
Final Tips for Banking With BMO
- Plan ahead for holiday closures: Transfers and deposits resume the next business day.
- Use online tools: Most everyday transactions can be handled digitally.
- Expect short delays: Wires and ACH payments pause on federal holidays.
- Check hours before visiting: Some Saturday hours differ by location.
Example: If you’re expecting a direct deposit on a bank holiday, it will generally post the next morning once BMO reopens.
FAQ
Here are the answers to some of the most frequently asked questions about BMO holiday hours and how they work:- Is BMO open on federal holidays?
- No. BMO closes all branches for federally observed holidays.
- Are BMO ATMs open during holidays?
- Yes. ATMs remain available 24/7 for deposits and withdrawals.
- Do holidays delay direct deposits?
- Yes. Deposits post once banks reopen.
- Can I deposit checks on holidays?
- Yes. Mobile deposit and ATMs accept deposits anytime, though processing begins the next business day.
- Does BMO offer Saturday hours?
- Yes, many branches are open Saturdays for limited hours.
All holiday hours were confirmed as of Dec. 2, 2025. Check with your local retailer to confirm specific hours. Hours and policies are subject to change.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
