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You can transfer funds anytime at no additional charge from your BMO U.S. dollar account to your eligible BMO U.S. personal deposit account wherever you. For depositing money into someone else's account, you'll have to go to a BMO branch, take the money out, then go to a branch of the other. Create a new transfer by selecting Transfers > Transfer Center > Create Transfer. 3. Select the accounts you want to transfer From and To. 5.