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BMO Smart Advantage?? Checking - Fee-Free ATMsBMO offers digital banking nationwide with more than branches throughout Arizona, Florida, Illinois, Indiana, Kansas, Minnesota. BMO Branch Locator. Find BMO bank hours, phone number or visit a local branch or ATM for our wide range of personal banking services. BMO has a presence in 32 states with a united network of 1, branches in 22 states, placing it as one of the largest banks in the U.S. with.