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Monday to Wednesday (9:30 AM – 4:30 PM), Thursday and Friday (9:30 AM – 6:00 PM). Some branches may have extended hours or open on Saturdays. 4. Bank of Montreal (BMO) BMO is one of the oldest banks in Canada and has a significant presence in North America.Non-Cashable GICs. Enjoy a guaranteed return that is generally higher than a cashable GIC, by locking in your money for a set period of time. Rate: % per annum on a 1 year term. Terms: 30 days to 5 years. Minimum investment: $500 1. Cashability: Non-redeemable. Type: Fixed-rate.®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries 1 Subject to any restrictions on the investments chosen and eligibility / conditions 2 In certain provinces and territories, the legal age at which an individual can enter into a contract including opening a FHSA is 19.. Riola spring korok