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What are the wire payment cut-off times?
These are the wire payment cut-off times for U.S.-domiciled accounts. Cut-off times for Canadian-domiciled accounts may be different.
Wire payment cut-off times for Canadian-domiciled accounts
Wire payments received after the cut-off times indicated below will be processed the next business day.
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All times are in Central Time.
| Phone Payment | Cut-off |
|---|---|
| Domestic wire payment initiation/approval | 7:30 a.m.–4:45 p.m. |
| International wire payment initiation/approval–U.S. Dollar (for same day value) | 7:30 a.m.–4:45 p.m. |
| International wire payment initiation/approval– Canadian Dollar & Mexican Peso (for same day value) | 7:30 a.m.– 3:00 p.m. |
| International wire payment initiation/approval– Euro and British Pound Sterling (for same day value) | 7:30 a.m.–8:30 a.m. |
| International wire payment initiation/approval–other foreign currency (for next day value) | 7:30 a.m.–4:45 p.m. |
| Tax payments | 7:30 a.m.– 3:00 p.m. |
| Draw down request | 7:30 a.m.–4:45 p.m. |
| Internal transfer | 7:30 a.m.– 5:00 p.m. |
| Online Banking for Business | Cut-off |
| Domestic wire payment initiation/approval (for same day value) | 5:35 p.m. |
| International wire payment initiation/approval–U.S. Dollar (for same day value) | 5:35 p.m. |
| International wire payment initiation/approval– Canadian Dollar & Mexican Peso (for same day value) | 3:00 p.m. |
| International wire payment initiation/approval– Euro and British Pound Sterling (for same day value) | 8:30 a.m. |
| International wire payment initiation/approval–other foreign currency (for next day value) | 5:35 p.m. |
| Draw down request | 5:35 p.m. |
| Tax payments | 3:00 p.m. |
| Internal transfer | 5:35 p.m. |
| Electronic Data Interchange (EDI) | Cut-off |
| File submission for domestic wire payment | 5:35 p.m. |
| File submission for international wire payment | 3:15 p.m. |
| SWIFT messages | Cut-off |
| Domestic wire payment | 5: 35 p.m. |
| International wire payment– Euro and British Pound Sterling (for same day value) | 8:30 a.m. |
| International wire payment– Canadian Dollar & Mexican Peso (for same day value) | 3:00 p.m. |
| International wire payment–other foreign currency (for next day value) | 5:35 p.m. |
| International wire payment–U.S. Dollar (for same day value) | 5:35 p.m. |
| BMO Bank SWIFT address | HATRUS44 |
| Wire instructions | |
| BMO Bank Fed routing # | 071000288 |
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