The “bank of montreal near me” search tells you something: you need a branch right now, not a marketing page. This guide cuts through the noise and points you straight to the official tools, the actual branch addresses, and what you can realistically expect from BMO’s physical footprint across Canada, the US, and a few international outposts.

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Headquarters: Montreal, Canada · US Base: Chicago, Illinois · Ireland Presence: Dublin · Key Services: Branches and ATMs

Quick snapshot

1Confirmed facts
  • BMO is a Canadian bank headquartered in Montreal since 1817 (BMO Ways to Bank)
  • Over 700 ATMs exist at non-branch locations like gas stations and arenas (BMO Ways to Bank)
  • Official branch locator tools exist for both Canada and US markets (BMO Ways to Bank)
2What’s unclear
  • Exact total number of branches across all regions
  • Whether specific branches have experienced recent service disruptions
  • Current senior-specific product offerings vary by location
3Timeline signal
  • BMO maintains active branch and ATM locator tools as of 2026
  • Guildford Town Centre branch operates 10:00 am – 9:00 pm with weekend ATM access
4What’s next
  • Use the official branch finder to locate the nearest service point
  • Check specific hours before visiting, as they vary by location

Below is a condensed reference table summarizing BMO’s key locations and service channels.

Location Detail Value
Head Office Montreal, Canada
US Headquarters Chicago, Illinois
Ireland Branch Dublin 4
Branch Finder branchlocator.bmo.com
Status Check StatusGator

Where is the Bank of Montreal located?

The Bank of Montreal’s head office sits at 100 rue du Square-Victoria in Montreal, Quebec — a fact reflected in the bank’s name and its two-century presence in Canadian finance. If you’re looking for a local branch rather than headquarters, the official branch locator at BMO Branch Locator lets you search by city, postal code, or current location, with radius options of 15, 25, 50, or 100 miles to filter results.

Head office details

The Victoria Square building has housed BMO’s corporate headquarters since 1977, reflecting the bank’s shift from its original St. Jacques Street location. For walk-in customers, this downtown core area offers full-service banking alongside nearby branches in the Quartier International district.

The upshot

For anyone needing in-person service downtown, the head office area has multiple BMO branches — but check hours ahead. Corporate offices don’t always operate standard banking hours.

Branch finder tools

BMO runs separate locators for Canadian and US markets. The Canadian version lives at branchlocator.bmo.com and handles postal code searches, while US customers should use BMO US Branch Locator. Both tools pull real-time data on branch services, ATM availability, and estimated wait times where available.

Does BMO have international locations?

Yes, though BMO’s international presence is concentrated in specific markets rather than a global branch network. The bank operates through its US subsidiary, BMO Bank N.A., which covers American operations from the Chicago headquarters, and maintains a financial presence in Ireland through BMO Ireland Finance Co., based in Dublin 4.

US cross-border

BMO’s US operations expanded significantly after the acquisition of Marshall & Ilsley Corporation in 2011, adding Wisconsin and Illinois to its footprint. Today, BMO Bank N.A. serves American customers through branches concentrated in the upper Midwest, with notable concentrations in Milwaukee, Wisconsin, and other major metropolitan areas. The US locator confirms branches including 2745 N Dr. Martin Luther King Dr (Milwaukee) and 1001 Marquette Ave (South Milwaukee) with local phone numbers.

Why this matters

Cross-border banking between Canada and the US works differently depending on whether you’re dealing with BMO Canada or BMO Bank N.A. — account types, regulations, and services can vary, so confirm which entity holds your account before assuming services are identical.

Europe offices

BMO maintains an office in Dublin, Ireland, primarily serving institutional and corporate clients rather than retail banking. European retail customers looking for BMO services typically need to work through correspondent banking relationships rather than direct branch access.

The implication: if you’re a retail customer in Europe, BMO isn’t a practical option for day-to-day banking needs.

What countries is the Bank of Montreal in?

BMO operates primary banking operations in two countries: Canada, where the bank is headquartered and holds its main charter, and the United States, where it operates under BMO Bank N.A. The bank has a financial services presence in Ireland for institutional clients, but retail banking outside North America is limited.

Canada base

Canada represents BMO’s dominant market, with branches in every province serving personal banking, commercial banking, and wealth management clients. The branch locator for Canada shows locations in major urban centers including Montreal, Toronto, Vancouver, and Calgary. In Montreal alone, documented branches include Beatty Et Verdun (5651 rue de Verdun), Côte-Vertu (3300 boulevard de la Côte-Vertu), Décarie Et Du Collège (637 boulevard Décarie), Lachine (1769 rue Fleury est), Papineau & Sainte-Catherine (1700 rue Sainte-Catherine Est), and Parc & Laurier (5059 Avenue du Parc).

US subsidiary

BMO Bank N.A. operates separately from the Canadian parent, though both carry the BMO brand. US branches documented include multiple Milwaukee locations (King Drive at 2745 N Dr. Martin Luther King Dr, 27th & National at 2701 W National Ave, Bay View at 2701 S Kinnickinnic Ave, Fond du Lac Ave at 3637 W Fond du Lac), South Milwaukee at 1001 Marquette Ave, and Washington DC area ATMs at Costco and 7-Eleven locations.

The catch

BMO’s US branch density is concentrated in specific states — primarily Wisconsin and Illinois — rather than distributed nationally. If you’re outside the Midwest, your nearest BMO might be hundreds of miles away, making credit unions or regional banks more practical options.

Is BMO in Ireland?

BMO does maintain a presence in Ireland through BMO Ireland Finance Co., located in Dublin 4. However, this entity serves primarily institutional and corporate banking functions — not retail customers walking in for personal accounts. If you’re a retail customer in Ireland looking for day-to-day banking services, BMO is not a practical option.

Ireland finance details

The Dublin office supports BMO’s international capital markets operations and corporate banking relationships in Europe. Retail banking services — checking accounts, personal loans, mortgages — are not offered through this office. Individuals seeking Irish banking should look to institutions chartered in Ireland or the EU.

What is the disadvantage of BMO?

BMO’s main drawbacks center on geographic coverage limitations and service trade-offs that matter depending on your location and banking needs. Review platforms like NerdWallet have flagged that BMO’s branch density outside major Canadian cities can be limited, and fee structures for certain account types have drawn criticism from rate-conscious consumers.

Reviews overview

Customer reviews frequently mention that BMO excels at full-service banking but lags behind digital-first competitors on fee transparency and competitive rates for savings accounts. Specific pain points include monthly maintenance fees that can be avoided only with minimum balances, and ATM access that works well within the BMO network but incurs fees at out-of-network machines.

Seniors suitability

BMO offers seniors-specific account options including reduced or waived monthly fees for customers aged 65 and older. However, whether these offerings represent the best deal depends on individual banking habits — some reviewers note that fee-free accounts at online banks can outperform senior-specific branch offerings for those comfortable with digital banking.

Bottom line: BMO works well for customers who value in-person service, full-service branch support, and an established brand — particularly in Canada where the branch network is strongest. For those outside major BMO markets, or anyone prioritizing fee-free banking, alternatives deserve comparison before opening an account.

How to find a BMO branch near you

Finding a BMO branch comes down to using the right tool for your location. The official branch locators handle the legwork, but knowing which one to use — and what features to leverage — makes the search faster.

  1. Determine your market. If you’re in Canada, use BMO Branch Locator for Canada. For US locations, head to usbranchlocator.bmo.com instead. The two systems show different branch inventories and aren’t interchangeable.
  2. Enter your location. Both tools accept postal codes, addresses, or city names. For the most relevant results, enter a specific street address rather than a city name — this avoids seeing branches across an entire metro area.
  3. Filter by service type. Need a full-service branch with a teller window? Want a deposit-taking ATM only? Use the filters to narrow results by service offering, operating hours, and accessibility features.
  4. Check radius options. Default searches show nearby branches, but expanding the radius to 50 or 100 miles can reveal options in adjacent regions if your immediate area has limited BMO presence.
  5. Verify before visiting. Branch hours can vary significantly, and some locations close early or don’t operate on weekends. Call the branch directly using the phone number listed in the locator results to confirm current hours before making the trip.
The trade-off

Branch locators show you where BMO branches exist — but they don’t tell you that drive-thru availability varies by location, or that some branches have reduced teller hours despite showing standard operating times. A quick phone call before visiting can prevent a wasted trip, especially on Saturdays when many branches operate limited hours.

Upsides

  • Extensive branch network across Canada with over 700 non-branch ATMs at convenient locations
  • Official branch locators with real-time data for both Canadian and US markets
  • Full-service branches offer advisory services, deposit-taking, and loan applications
  • ATMs available at Shell stations, 7-Eleven locations, Costco, and sports arenas for cash access
  • Seniors account options with reduced or waived monthly fees

Downsides

  • US coverage concentrated in Wisconsin and Illinois — limited presence elsewhere
  • International retail banking essentially unavailable outside North America
  • Monthly maintenance fees that require minimum balances to avoid
  • Out-of-network ATM fees add up for customers traveling outside BMO’s footprint
  • Branch hours vary significantly — some locations close early or have limited weekend availability

What experts say

“Over 700 ATMs can be found at non-branch locations such as gas stations, convenience stores, airports, and sports arenas.”

— BMO Official Bank Statement

“Find BMO bank hours, phone number or visit a local branch or ATM for our wide range of personal banking services.”

— BMO Branch Locator Tool Description

Related reading: Banque en Direct RBC · 1000 Dollar Bill Canada

Additional sources

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While locating nearby BMO branches and ATMs proves essential for in-person services, many turn to BMO online banking login guide for seamless account management and transactions from home.

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Frequently asked questions

How do I use the BMO branch locator?

Visit branchlocator.bmo.com for Canadian branches or usbranchlocator.bmo.com for US branches. Enter your postal code or address, select your preferred radius (15, 25, 50, or 100 miles), and filter by services like full banking, deposits only, or ATM access. Each result includes the branch address, phone number, and available services.

What are typical BMO branch hours?

Hours vary by location. Most BMO branches in Canada open Monday through Friday, with many closing by 5 or 6 PM. Saturday hours are shorter, and many branches don’t open on Sunday. The Guildford Town Centre location operates 10:00 am – 9:00 pm with weekend ATM availability, but this isn’t standard across all branches. Always check the specific branch’s hours before visiting.

Does BMO have drive-thru services near me?

Drive-thru availability isn’t uniformly available at all BMO locations. The branch locator shows drive-thru as a filter option where available. If drive-thru access is essential, call ahead to confirm — some branches list standard hours but don’t have drive-thru facilities, or operate drive-thru windows on reduced schedules.

Is BMO open on Saturdays?

Many BMO branches open on Saturdays, but hours are typically shorter than weekday schedules. Some locations in shopping malls (like Guildford Town Centre) may have extended Saturday hours, while standalone branches often close by early afternoon. Checking the specific branch’s listing before Saturday visits is strongly recommended.

How to check if BMO services are down?

BMO doesn’t publish a public service status dashboard, but third-party monitors like StatusGator track reported outages. For confirmed service issues, checking BMO’s official social media channels or calling your local branch directly provides the most current information. If you encounter an ATM that appears out of service, use the branch locator to find the next nearest location.

What banking options for seniors at BMO?

BMO offers seniors-specific personal bank accounts with reduced or waived monthly fees for customers aged 65 and older. These accounts typically include unlimited teller transactions, which can be valuable for customers who prefer in-person banking. However, if you’re comfortable with digital banking, fee-free accounts from online banks may offer better overall value.

Where to find BMO full service branches?

Full-service branches offer the complete range of in-person services including account opening, loan applications, financial advice, and teller transactions. The BMO branch locator includes a service filter that lets you search specifically for full-service locations. In Montreal, full-service branches include Beatty Et Verdun, Côte-Vertu, Décarie Et Du Collège, and others listed in the official locator.