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Deposit Cheque BMO - BMO Canada Cheque Deposit Online Mobile by Mobile Cheque Deposit - BMO HarrisBank on the go from your Android� smartphone anywhere, anytime with the BMO Digital Banking app. We've updated the design for a cleaner look that's even. Deposit timing � Don't forget the business day ends at 8 p.m. CT. Any deposits received by then are processed that same business day. footnote star Deposits. Direct deposits usually post to your account between 3 a.m. and 6 a.m. (EST) on the day the bank receives the deposit from your employer.