COVID & CORE banking hours in Canada

It’s been an extremely challenging time for small businesses. Cash flow issues and reliance on government funding have become the new norm. We’ve received feedback from our customers that have struggled with the digital options available from the banks, such as remote deposit capture and ATMs, as these options only accept checks up to a certain amount. When digital payments aren’t an option, before making a trip to the bank–make sure it’s open. To help, we’ve compiled a list of both COVID and CORE banking hours in Canada for the Big Five banks:

Royal Bank of Canada (RBC)

The Royal Bank of Canada is the largest of the Big Five with respect to revenue ($46.0 billion in 2019) and number of employees (85,000 in 2019). Founded in 1864 in Halifax, Nova Scotia, as a commercial bank financing the fish and timber industry. RBC now has over 10 million clients and 1,209 branches worldwide.


You can find your closest branch by visiting RBC’s branch locator where you will find up to date information regarding banking hours.

Toronto-Dominion Bank (TD)

Toronto-Dominion Bank is the second largest of the Big Five with respect to revenue ($41.1 billion in 2019) and has 89,000 employees. TD Bank is the result of a merger of the Bank of Toronto and the Dominion Bank in 1955. TD now serves over 11 million customers at it’s 1,091 retail locations in Canada.


You can locate your nearest branch and its opening hours using TD’s branch locator.

Bank of Nova Scotia (Scotiabank)

The Bank of Nova Scotia also known as Scotiabank is the third largest bank in Canada with respect to revenue ($28.8 billion in 2019) and 99,000 employees around the world. Founded in 1832 also in Halifax, Nova Scotia, to improve the transAtlantic trade industry. Today Scotiabank serves 10 million customers at it’s 900 Canadian locations.


You can locate your nearest branch and its opening hours using Scotiabank’s branch locator.

Bank of Montreal (BMO)

The Bank of Montreal is the fourth largest Canadian bank with respect to revenue ($22.8 billion in 2019) and over 45,000 employees around the world. Founded in 1817, BMO is the oldest bank in Canada. BMO now serves over 7 million customers and has over 939 Canadian branches.


You can locate your nearest branch and its opening hours using BMO’s branch locator.

Canadian Imperial Bank of Commerce (CIBC)

The Canadian Imperial Bank of Commerce is the fifth largest bank in Canada with respect to  revenue ($18.6 billion in 2019) and employees (over 40,000 in 2019). CIBC was formed as a result of the merger in 1961 of the Canadian Bank of Commerce and the imperial Bank of Canada. CIBC now serves over 10 million customers worldwide at their 1,100 branches across Canada.


You can find your closest branch by visiting CIBC’s branch locator where you will find up to date information regarding banking hours.

How to create a great customer experience

Customer experience refers to interactions between a customer and a company throughout their business relationship. The secret to keeping customers satisfied is to deliver great experiences at every customer touchpoint. It’s critical to remember that customer experience does not begin and end with a sale, but includes any interaction they have with your business before, or after a sale.

When customers are happy with your brand, they’re more likely to stay with you. This is why businesses that put customers first and build a customer-centric culture outperform their competitors.

In this article, we’ll take a look at some of the ways you can deliver great customer experiences every step of the way.

Make a good first impression

The customer’s first impression with your business isn’t typically formed when they interact with a company employee face-to-face or over the phone. In fact, it’s formed when they visit your website for the first time or view your content on social media.

Everything in your branding elements – from your logo and color schemes, to your messaging and illustrations – tells the customer what to expect from you and shapes their impression of you.

One way to make a great first impression on your customers is by strengthening your brand touchpoints, including your customer service centers, company website, email newsletters, as well as social media pages. Delivering good customer experience ensures customer satisfaction and also helps you get positive word-of-mouth marketing going about your small business.

Improve website usability

Another way successful companies create a great customer experience for their customers is by making sure their website is user-friendly and accessible. Delivering a seamless website experience is essential for a good user experience, and it’s all about using good information architecture. After all, you want your customers to be able to effortlessly browse through your site and quickly find the information they’re looking for.

We recommend that you test your site’s usability with a small team to get a better idea of the end user’s perspective. Tinker with your site to understand its ins and outs and identify the points where customers struggle.

For example, if you’re running a membership site, your goal might be to enable visitors to land on any page of your website and find the information they’re looking for, intuitively. By making it easy for customers to find information and complete tasks, you’ll be able to deliver a great user experience while boosting conversions.

Identify customer pain points

Being mindful of your target customers’ needs can help you accurately identify their pain points and address them. You can use this information to position your product or service as a potential solution. Solving the challenges customers face helps you deliver great customer experience.

Start by creating a customer journey map and identifying their pain points. This will help you find areas of friction that negatively impact their experience. This will help you figure out how your product or service can solve the customer’s problem.

A good practice is to collect customer feedback and analyze data to figure out the most common issues customers face. This way, you’ll be able to focus on solving their problems and positioning yourself as a customer-first business.

Offer coupons and discounts

Employee satisfaction increases employee productivity which in turn means delivering better service and value to your customers. This ultimately leads to an increase in sales and promotes profitability.

Successful businesses keep their customers happy by building a culture of rewarding and recognizing their employees. This enables them to increase customer satisfaction and boost customer loyalty.

You can improve customer experiences by keeping employees and customers at the forefront of your company. Consider offering staff members special discounts on occasion and rewarding loyal customers by sending them exclusive discounts via email.

Set up self-service options

Offering self-service options is a great way to enable customers to find answers to questions through your website (or via a telephone number) during after-hours. This is especially useful for companies that aren’t open around the clock.

You can offer self-service options to your customers by creating an online helpdesk or knowledge base with FAQs on your company website. Another way you can offer assistance to your customers is by setting up live chat options that they can use to talk to a customer service representative and resolve their issue, or leave a support ticket if an operator isn’t available.


By focusing on improving the customer experience, you can achieve your internal goals of driving up sales and increasing customer retention. We looked at some of the ways you can improve your customer experiences and increase customer loyalty and, hopefully, you’re in a good position now to take the next steps.

Do you agree that creating a great customer experience can help you get ahead of the competition? Share your thoughts in the comments section below.