Managing deposits and maintaining the right balance of risk, return and liquidity can be challenging in a volatile economic environment. BMO Capital Markets offers deposit management services and a full range of short-term investment products that help you achieve that balance.

Deposit Management Solutions
Money Market Investments
Term Investments
Fixed Income & Equity Investments

• Account Structures
  Our interest-bearing Canadian-dollar and U.S.-dollar business accounts offer safety and flexibility for your balances. You get competitive rates of return, a variety of interest options, and the convenience of online access to your accounts. An automated offset service consolidates legal-operating-entity account balances (credit or debit) to a parent company, so they arrive at a net position at the end of each business day. A zero balancing service lets you transfer funds automatically to or from your master account at the end of each business day to offset the net activity in each of your subaccounts. With more control over your cash, you can invest surplus funds or pay down credit lines more quickly.
• Cash Concentration
  If your business operates multiple outlets, we can help you easily consolidate funds deposited anywhere across Canada. Your business outlets can make deposits to your central BMO account from any BMO branch. You’ll have access to real-time reports that break down deposits by location, so you can keep track of daily sales across the country. You can even concentrate funds deposited at other Canadian financial institutions to your central BMO account.
• Physical Deposits
  If you receive high volumes of cash and cheques, choose from one of three physical deposit services, including: Currency Centre; Regional Deposit Processing (RDP); and Around-the-Clock-Depository (ATCD). Our Currency Centre accepts both CAD and USD cash and cheque deposits via armoured car delivery. RDP is dedicated exclusively to cheque processing and allows you to deliver deposits directly to our processing centre. ATCD accepts deposits 24 hours a day at BMO branch safe-depositories.

If you have surplus funds sitting idle, or would like to invest a large lump sum for the short term, our money market desk offers a range of investment options. These are high-quality, fully liquid products that typically offer a higher rate of interest than a business account. Options include Treasury Bills, Bankers’ Acceptances and Commercial Paper.

If your investment horizon for your surplus funds is equal to or greater than 30 days, we offer an array of cashable or non-cashable short-term (30-60 days), mid-term (60-90 days), or long-term (90-360 days) investment products. Options include Term-Deposit Receipts, Short-Term Investment Certificates, GICs and Variable Rate GICs.

For long range investment planning and advice, our BMO Capital Markets investment banking professionals can help you structure an investment plan aligned with your company’s longer term strategic, yield and risk management goals. We provide top-ranked equity research, one of the largest trading operations in North America, and top tier trade execution and settlement capabilities.