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U.S. Government Shutdown: Financial relief for impacted customers
Updated October 01, 2025If you are impacted by the U.S. Government Shutdown, check the information below to learn how we’re supporting our customers through this time.
IMPORTANT UPDATES
Financial relief for Checking and Money Market customers
Relief assistance includes:
- Monthly maintenance fees and Non-BMO ATM Transaction fees will be waived. footnote 1 ATM surcharge fees charged by the ATM owner or operator will still apply.
Overdraft fees will be waived. footnote 1
For personal accounts only: We'll continue to use our discretion to pay items that overdraw the account when sufficient funds are not available (excludes BMO Smart Money Checking).
- Please visit your local branch or call us at 888-340-2265 to benefit from relief assistance.
Call center hours:Monday through Friday 7:00 a.m. – 11:00 p.m. CT, andSaturday and Sunday 8:00 a.m. – 10:00 p.m. CT.
Personal low-interest rate loans
Call center hours:Monday through Friday 7:00 a.m. – 11:00 p.m. CT, andSaturday and Sunday 8:00 a.m. – 10:00 p.m. CT.
Financial relief for business lending customers
FAQs
To learn more about our automobile loan, credit card or unsecured loans/lines relief programs, please call us at 866-618-8686.
Monday through Friday 8:00 a.m. – 11:00 p.m. CT, Saturday 8:00 a.m. – 9:00 p.m. CT and Sunday 12:00 p.m. - 9:00 p.m. CT.
To learn more about our real estate secured relief programs, please call us at 855-290-4759, Monday through Friday 7:30 a.m. – 10:00 p.m. CT and Saturday 9:00 a.m. - 2:00 p.m. CT.
If your account is current when you apply for relief, we will continue to report you as current during the period in which your relief is granted. If your account was delinquent when you applied for relief, we will continue to report your account as delinquent, unless and until you bring your account current.
We’ll continue to monitor the situation and provide the best support we can to our customers. We encourage you to keep visiting this page to get the latest updates. If you need further assistance, you can check out our online support tool.
Digital banking with confidence
You can do most of your banking anytime, anywhere using BMO Digital Banking footnote 2. Through Digital Banking, you can:
Check a balance
Transfer funds between accounts
Pay a bill
Manage your credit cards all in one place
Deposit a check using the mobile app footnote 3
Send money to family and friends with Zelle footnote 4
Your security is our priority. Protect yourself from fraud during these uncertain times. Visit our security center for helpful tips on keeping your personal and financial information safe.
- footnote 1 Standard fees will be reinstated following the two-week period after the shutdown ends.
- footnote 2 Message and data rates may apply. Contact your wireless carrier for details.
- footnote 3Mobile Deposit is available using the BMO Digital Banking app. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, please see the BMO Digital Banking Agreement found at bmo.com/us/legal/.
- footnote 4Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. For details, see the BMO Digital Banking Agreement found at bmo.com/us/legal.