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How to Deposit a Check on Bank of Montreal - 2023You just have to wait. It could've been flagged for being an unusual deposit type/amount, etc. Immediate availability. Cash deposited into this Account. Same day availability. Wire transfers and Direct Deposits into this Account. Next day availability. You also agree that we may refuse to cash or otherwise honor any Check that is presented to us over the counter by any Non-BMO Customer, even if.