1 /5 MATTHEW PRATHER: I have had a terribly frustrating experience with BMO. Just opened a checking and they hold deposits for long period of time before available to you. Or they offer to charge you 2% to make deposit available sooner. Made it past probation period and they randomly put a deposit on fraud hold for 7 days so they could verify funds available. Made two other deposits about same time with no additional hold but the standard two full business days and receive available on third day. If you are struggling financially working hard to keep up with rising high cost of living and need your deposited money to survive dont use BMO. They will let you suffer before making your money available.