https://wealthnorth.ca/banking/bank-reviews/bmo/Recent content in BMO Review 2026 | Bank of Montreal Accounts, Fees & Is It Worth It? on WealthNorthHugo -- gohugo.ioen-caSun, 03 May 2026 11:37:14 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/atm-withdrawal-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/atm-withdrawal-limit/BMO’s standard ATM cash withdrawal limit is $1,000 per day — consistent with RBC, TD, and Scotiabank. The limit applies to cash dispensed from ATMs and resets at midnight Eastern Time daily. For amounts above the ATM limit, a branch teller withdrawal is the most straightforward alternative. A notable BMO advantage: Canadian BMO clients can access BMO Harris Bank ATMs in the United States without the standard $2–$5 foreign ATM fee that applies at other US machines — useful for clients who travel to or live in the US Midwest.https://wealthnorth.ca/banking/bank-reviews/bmo/hours/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/hours/BMO operates approximately 900 branches across Canada with hours that vary by location type. The standard weekday schedule is Monday to Friday, 9:30 AM to 5:00 PM — the same baseline as Scotiabank, RBC, and CIBC. Extended weekday hours and Saturday service are available at select shopping centre and high-traffic locations. For Sunday banking and after-hours needs, BMO ATMs and digital banking (BMO Online Banking, BMO app) are available 24/7.https://wealthnorth.ca/banking/bank-reviews/bmo/customer-service/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/customer-service/BMO’s main customer service line is 1-877-225-5266, available 24/7 for personal banking. BMO InvestorLine has a separate dedicated line at 1-888-776-6886 — worth knowing if your query is investment-account specific, as it connects directly to a brokerage agent rather than a general banking agent. Main Contact Numbers Department Phone Number Hours Personal banking (general) 1-877-225-5266 24/7 From outside Canada/US 1-416-867-6785 (collect) 24/7 Credit cards 1-877-225-5266 24/7 Lost / stolen debit card 1-877-225-5266 24/7 Lost / stolen credit card 1-877-225-5266 24/7 TDD/TTY (hearing impaired) 1-800-689-6279 Business hours Department-Specific Contacts Service Number Hours BMO InvestorLine 1-888-776-6886 Mon–Fri 8 AM–8 PM ET BMO SmartFolio 1-877-225-5266 24/7 Mortgages 1-877-225-5266 24/7 Business banking 1-877-262-5907 Mon–Fri extended hours BMO Ombudsman (escalations) 1-800-371-2541 Business hours New to Canada program 1-877-225-5266 24/7 Digital Support Channels BMO App — Chat The BMO mobile app includes a live chat function accessible from the app’s home screen.https://wealthnorth.ca/banking/bank-reviews/bmo/e-transfer-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/e-transfer-limit/BMO Interac e-Transfer limits are $3,000 per transaction, $10,000 per day, and $30,000 per rolling 30-day period — the same standard limits set by Interac that apply across the Big Five banks. Free e-Transfers are included with the Plus Plan, Premium Plan, and Student Account. Performance Plan clients who exceed the 12-transaction monthly allowance pay $1.25 per e-Transfer. E-Transfer Limits at a Glance Limit Type Amount Per transaction (outgoing) $3,000 Daily (outgoing) $10,000 30-day rolling period (outgoing) $30,000 Per transaction (incoming) No limit Daily (incoming) No limit E-Transfer Fees by Account Account Outgoing e-Transfer Fee Notes Performance Plan $1.https://wealthnorth.ca/banking/bank-reviews/bmo/fees/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/fees/BMO’s fee structure follows the Big Five pattern — tiered monthly account fees with balance-based waivers, NSF fees, and charges for out-of-network transactions and international services. The standout value in the lineup is the Plus Plan’s $3,000 balance waiver for unlimited chequing — the lowest such threshold among the Big Five — and the BMO CashBack Mastercard, which costs nothing and earns 3% on groceries. Monthly Account Fees Account Monthly Fee Fee Waiver Balance Transactions Included Performance Plan $4.https://wealthnorth.ca/banking/bank-reviews/bmo/mobile-deposit-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/mobile-deposit-limit/BMO’s mobile deposit feature allows you to photograph and deposit eligible Canadian cheques through the BMO mobile app. Standard limits are $5,000 per cheque, $10,000 per day, and $50,000 per 30-day rolling period — consistent with limits at RBC, TD, and Scotiabank. US dollar and foreign-currency cheques are not eligible for mobile deposit and require a branch visit. For clients who regularly receive USD cheques, BMO’s US dollar account (included with the Premium Plan) is worth considering.https://wealthnorth.ca/banking/bank-reviews/bmo/wire-transfer-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/wire-transfer-limit/BMO wire transfers are available through BMO Online Banking for amounts up to approximately $50,000 per day, or through a branch for larger amounts. The standard domestic wire fee is approximately $25, and international wires run $40–$65. BMO’s SWIFT code for Canadian accounts is BOFMCAM2. Wire Transfer Limits Transfer Type Online Limit Branch Limit Domestic (Canada to Canada) ~$50,000/day Higher; ID required International (outgoing) ~$50,000/day Higher; ID required International (incoming) No limit No limit Business accounts and Premium Plan holders with an established account history may have access to higher online limits.https://wealthnorth.ca/banking/bank-reviews/bmo/routing-number/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/bmo/routing-number/Every BMO account is identified in the Canadian payments system by three numbers: a transit number (your specific branch), an institution number (BMO’s fixed identifier), and an account number. BMO’s institution number is 001 — the oldest in the Canadian banking system, assigned when BMO was chartered in 1817 as Canada’s first bank. The transit number is what varies: it is a 5-digit number identifying the specific branch where your account was originally opened.