Helping you bank the way you want.

Banking Services

Every BMO® account offers all of the following services:

24/7 Banking

BMO Online Banking

Secure around-the-clock access to your account to pay bills, transfer money and more. Get started in just a few simple steps.

BMO Mobile Banking

Quickly and easily manage your money with our BMO Mobile Banking app.

  • Quickly view balances and transactions on any of your accounts with a swipe of a finger
  • Transfer funds between eligible accounts and send and receive an Interac e-transfer®‡to anyone on your recipient list
  • Pay bills now or later through future dated bill payment
  • View credit card, recent transactions, eStatements, due dates and minimum payments
  • Make a branch appointment in real time
  • Set up travel notifications to ensure you'll have uninterrupted access to your BMO credit card and we'll know to expect out-of-country charges
  • Assign nicknames to your most used debit or credit cards to sign in quickly and securely
  • Search for nearby BMO branches and ATMs

Simply download the app from your app store to use BMO Mobile Banking. For other touch devices that do not have an app, you can access the BMO Mobile Banking through your browser by entering m.bmo.com.

BMO® Banking & InvestorLine App

Now, experience BMO's tablet app for iPad®‡‡ to help you easily manage both your banking and self-directed investing needs – all with one app.

Banking

  • Pay multiple bills at one time and set up future-dated bill payments
  • Transfer funds between accounts, make cross-currency transfers, and send an Interac e-transfer®‡
  • View account balances and transaction history
  • Access your eStatements and view cheque images
  • Set up a travel notification for your BMO MasterCard®*card
  • Book in-branch appointments in real time

BMO InvestorLine

  • View your self-directed investing account information
  • Access real-time quotes and interactive charts
  • Trade equities, ETFs, options, mutual funds and GICs

Want to do your self-directed investing in addition to banking with BMO? It’s easy. Open an account today.

BMO My Home App

Calculate your home ownership costs as well as track and compare the homes you have visited to make your purchase decision easier.

  • Quickly calculate your borrowing needs using the Mortgage Calculator
  • Create handy home profiles, upload photos, compile checklists, and take notes while you house hunt
  • Manage, track, and compare your favourite properties based on mortgage costs and email detailed comparisons to ease decision making
  • Contact a BMO Mortgage Specialist to discuss financing or start the pre-approval process

BMO Mobile PayPass Tag

How it Works

  • Stick the Mobile PayPass Tag to the back of your mobile phone and you're ready to make purchases anywhere PayPass is accepted

It's Convenient

  • Making small purchases is fast and hassle-free. Simply Tap & Go and you're on your way. The BMO Mobile PayPass Tag6 communicates wirelessly with the PayPass terminal
  • Register to have detailed email transaction notifications sent to you when a BMO Mobile PayPass Tag transaction has been completed

It's Rewarding

  • If you earn rewards on your BMO MasterCard® credit card, you'll continue to earn rewards with your BMO Mobile PayPass purchases

It's Secure

  • Secure encryption technology makes your BMO Mobile PayPass Tag as safe as your BMO credit card. Plus your smartphone never leaves your hand when making a purchase. And, you'll continue to receive the same level of security with Zero Liability on unauthorized purchases7, lost or stolen card replacement, Extended Warranty Insurance, Purchase Protection and iDefence® - your protection against identity theft

BMO Branch Banking

With over 900 branches across Canada, we offer a full range of financial services.

Product Services

  • Open new bank accounts, add or change Bank Plans
  • Access to on-site full service ATMs to handle everyday banking transactions
  • Apply for BMO MasterCard® credit cards
  • Find information on and apply for loans, mortgages & lines of credit
  • Access to mutual fund investment advice available through partner referral8
  • Self-service coin counters at select locations

BMO Telephone Banking

Access a wide range of financial services and products from anywhere you have access to a telephone, 24 hours a day, 7 days a week by calling
1-800-363-9992 1-800-363-9992.9 In addition to your day-to-day banking, such as paying bills, transferring funds, obtaining account balances, and a listing of recent transactions, use telephone banking to:

  • Open new bank accounts
  • Change your contact information
  • Request a stop payment
  • Re-order cheques
  • Set up consolidated paper statements
  • Purchase travellers cheques and foreign currency10

BMO ATM Banking

BMO ATMs give you convenient access to cash withdrawals, up-to-the-minute account balances, deposits, transfers, electronic bill payments, and you can also get a printout of your most recent transactions.

You can use your BMO Debit Card to withdraw cash at BMO Cash ATMs, any ATM in Canada with the Interac®‡ symbol and throughout the world at any ATM with the Maestro®* or Cirrus®*.

All of our BMO ATMs have audio capability to help customers with vision loss complete their banking transactions.

Find the nearest one with the Branch/ATM Locator in our BMO Mobile Banking app.

Managing Money

Direct Deposit

Save yourself a trip to the branch or ATM and get immediate access to your money with direct deposit. Enjoy automatic deposits of funds (like your payroll and government payments) into your personal bank accounts.To set up this service, you can download the Direct Deposit form and follow the instructions.

COMING SOON: Government payments by direct deposit only.

By April 2016, all Federal Government payments by cheque such as income tax refunds, GST rebates, Child Tax Benefit and Old Age Security will be phased out and will only be available by Direct Deposit.

For more information about Direct Deposit for government payments

Bill Payments

Pre-Authorized Payments

With Pre-Authorized Payments, you can set up your bills to be automatically paid from your BMO bank accounts on their due dates. You'll never miss a payment – even when you go on vacation.

To set up this service you'll need your bank account number, institution number and branch transit. You can contact the billing company and follow the instructions that they provide or download the Personal Pre-Authorized Debit Plan form and follow the instructions.

epost view bills

With epost, you can have your bills, statements and notices sent directly to your BMO Online Banking account and set up automatic payments from your personal bank accounts. For more information, visit epost.ca

Overdraft Services

Overdraft protection is a simple way to cover unexpected shortfalls in your account and avoid the potential embarrassment of a declined transaction or the cost and inconvenience of a returned cheque.

Standard Overdraft Protection is best suited for you if your bank accounts tend to go into overdraft once a month or more.

  • Coverage available from $500 to $2,50011
  • Your account must have monthly deposits and a positive balance at least once every 90 days
  • A $4.00 monthly fee applies11,12

Occasional Overdraft Protection offers peace of mind if your accounts do not regularly go into overdraft.

  • Coverage available from $500 to $2,50011
  • Your account must have monthly deposits and a positive balance at least once every 90 days
  • There is no monthly fee. A $5.00 fee per transaction applies11,12

With Overdraft Transfer Service you can pre-arrange to have available funds transferred to your BMO account from one of your other BMO accounts, your BMO credit card or your BMO line of credit to cover any accidental overdraft13. A fee of $5 per transfer applies.14

Account Statements

Track your spending, saving, lending and investing with ease. All BMO statements give you the detailed information you need to take charge of your money.

eStatements

Stay on top of your finances with BMO eStatements. eStatements are an exact replica of your paper statements and are securely accessible through Online Banking from anywhere at any time. See your transactions in online banking without having to wait for your paper statements to arrive. Plus, sign up for BMO Alerts to know when your statement is ready for viewing.

  • Securely view and store your personal banking, credit card, line of credit, and mutual fund account statements online
  • Register for eStatements through BMO Online Banking

Consolidated Paper Statements

  • Get a consolidated summary of all your account balances, including a detailed list of your transaction activity, reported separately for each account
  • Includes banking news, information and tips to improve your banking efficiency
  • A paper statement fee may apply

Account Services

Transfer Money

Whether you're sending money across Canada or overseas to family for personal or business reasons, money transfers are simple and convenient with BMO Money Transfer Services. Our reliable technology means you can send money confidently almost anywhere.

Interac®‡ e-Transfer®

Interac®‡ e-Transfers are fast, secure and have the same level of security as BMO Mobile and BMO Online Banking transactions because the money is never sent by email.

  • Using your personal bank account, all you need is the recipient's email address
  • Money is deposited once the recipient receives the email, validates their identity, and chooses the deposit account15

Wire Transfers

Our wire payment service is a quick, convenient and secure way to send and receive money.

  • To send money, visit a BMO branch with the recipient's name, address and bank account number, along with the name and address of their financial institution.
  • To receive money, provide the sender with your BMO customer information.

And now, you can send money to Portugal with our Global Money Transfer product not only via branch but also through ATM, online or by phone.

Western Union®# Money Transfer™#

We offer Western Union®# Money Transfers™# via Interac®‡ e-Transfer, through BMO Online Banking

Available to personal banking customers, the Western Union®# Money Transfer™# service allows you to send money within Canada and abroad to more than 200 countries and territories connected to the Western Union®# network.

BMO Alerts

Keep you informed and up-to-date on your personal banking transactions. Simply sign up for BMO Alerts and get the information you need, when you need it. Receive alerts by email or to your smartphone16 to find out when:

  • Your account balance falls below your specified amount
  • A withdrawal greater than your specified amount is made
  • Deposits greater than your specified amount are made
  • Unusual activity on your BMO Debit Card is suspected
  • Your eStatement is ready to be viewed

Manage My Finances

Helps you view, track and manage your money – free for BMO Personal Banking and BMO MasterCard®* customers. You can:

  • Track your spending habits
  • Set budgets and savings goals
  • Compare your income and spending to the community

Sign in to Online Banking and click on the 'Manage My Finances' tab to access the BMO Manage My Finances tool.

Ordering Cheques

For Chequing accounts only: Ordering cheques is easy and you can choose from a variety of designs and features to customize your cheques the way you like.

  • Online: Sign in to BMO Online Banking and select the account that you would like to order cheques for in the left hand navigation. Click on 'Order cheques' in the sub-menu that will appear. Then follow the instructions provided.
  • In person: Visit your local BMO branch
  • 1-877-225-52661-877-225-5266 to speak with one of our customer service representatives

Travel Services

Travel Insurance

Protect yourself, your family, your trip and even your luggage against emergencies, cancellations, interruptions and delays.

BMO Prepaid Travel MasterCard®

Get the convenience of cash, without having to carry cash. You can safely access funds wherever you are without interest charges.

Learn More

American Express® Travellers Cheques

Travellers cheques are safer than cash and never expire. Some other benefits include:

  • Refundable if lost or stolen17
  • 24/7 customer service
  • Accepted around the world
  • Available in Canadian & U.S. dollars, Euros or British pounds
  • Cheques for Two® can be used when travelling as a pair in the U.S.
  • 24/7 emergency assistance for lost passports and credit cards

Order your travellers cheques through BMO Online Banking now or buy them at your local BMO Branch10.

Foreign Currency

Purchase more than 100 different currencies through BMO to save on fees and surcharges when travelling.

  • Take advantage of fair exchange rates that are often better than airport and foreign exchange outlets
  • Avoid searching for banks and currency exchanges while abroad

You can order up to $2,000 (Canadian) in U.S. dollars, British pounds sterling or Euros and have the funds delivered to you within 7 business days (courier fees apply).

To order foreign currency call 1-800-363-99921-800-363-9992 or contact your local BMO Branch.

Have Questions?