BMO Holiday Hours: Are They Open on Thanksgiving or Black Friday 2025?
Written by
Sean Dennison
Edited by
Joe Evans
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BMO® (Bank of Montreal) serves millions of customers across the U.S. with checking and savings accounts, mortgages, business banking and wealth services.
If you’re planning to visit a branch or handle important transactions during Thanksgiving weekend, here’s what you need to know about BMO’s hours for Thanksgiving Day and Black Friday 2025.
Is BMO Open on Thanksgiving Day 2025?
No. BMO branches will be closed on Thursday, Nov. 27, 2025, in observance of Thanksgiving Day. This is a federal holiday, which means all U.S. banks–BMO included–pause in-branch services.
You can still access:
- BMO Digital Banking
- The BMO Mobile App
- BMO ATMs (open 24/7)
| Day | Hours |
|---|---|
| Thanksgiving Day (Nov. 27) | Closed |
Example: If you deposit a check on Thanksgiving through the mobile app, it will show as pending until BMO processes transactions after reopening on Friday.
Is BMO Open on Black Friday 2025?
Yes. BMO will reopen on Friday, Nov. 28, 2025, and operate on its normal Friday schedule. Nearly all branches will offer full services, although hours can vary slightly by region.
| Day | Hours |
|---|---|
| Black Friday (Nov. 28) | Open (regular Friday hours) |
Example: If you need cash for Black Friday shopping, you can visit any BMO ATM or branch during normal Friday hours.
BMO 2025 Holiday Schedule
Here is the full list of federal banking holidays BMO observes in 2025. Branches will close on all dates below:
| 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 |
According to the Federal Reserve, Thanksgiving is one of the most consistently observed banking holidays, shutting down in-branch operations at all major U.S. banks.
What If You Need To Bank While BMO Is Closed?
Even when BMO branches are closed for Thanksgiving, you can still use the bank’s digital tools to manage your money:
- Transfer funds or pay bills online
- Deposit checks through mobile deposit
- Use BMO ATMs for cash deposits or withdrawals
- Schedule payments in advance to avoid delays
- Set up automatic bill pay for monthly expenses
Example: If your car payment is due Thanksgiving week, schedule it earlier through BMO Digital Banking so it posts before the holiday.
Local Branch Hours May Vary
BMO operates hundreds of branches across the Midwest and nationwide, and hours can vary by region. Branches inside grocery stores or retail plazas may adjust hours based on local store schedules.
Use the branch locator on BMO’s website or mobile app to confirm your local branch’s Black Friday hours before visiting.
BMO Regular Business Hours
Most BMO branches follow this standard schedule year-round:
| 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 |
More than 70% of U.S. bank customers use online or mobile banking weekly (FDIC), making tools like BMO Digital Banking especially useful during holiday closures.
How To Contact BMO
If you need help during the holiday weekend, you can reach BMO through:
- Phone: 1-888-340-2265 (automated service available 24/7)
- Website: bmo.com/en-us
- Mobile App: Available on iOS and Android
- Mail: BMO Harris Bank N.A., P.O. Box 94033, Palatine, IL 60094
Live representatives return when branches reopen on Black Friday.
Final Tips for Thanksgiving Weekend Banking
- Move money early: Transfers made on Thanksgiving process on Friday.
- Use mobile tools: Submit deposits and pay bills anytime.
- Expect increased ATM traffic: Especially in shopping areas on Black Friday.
- Plan wire transfers ahead: Wire services do not operate on Thanksgiving.
Example: If you need to send a same-day payment, complete it by Wednesday afternoon to avoid holiday delays.
All holiday hours were confirmed as of Nov. 25, 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.
