Protect your identity with OnGuard®dagger
Safeguard your personal information from fraud with OnGuard. Choose what you’d like monitored – including credit and debit card numbers, passport number and Social Insurance Number – and OnGuard will scan public and underground websites to keep you safe.
How OnGuard*74 protects you
Monitoring your identity
Track all activity related to your digital and financial identity so you can react quickly to potential fraud.
Restoring your identity after fraud
OnGuard saves you time, money and stress by helping to report fraudulent activity and restore your identity.
Protecting you from loss
Cancel your lost or stolen cards online or by phone. OnGuard will notify your card issuers on your behalf.
Already a BMO Customer?
We take fraud protection seriously, so we’ve made it easy to set up your OnGuard access with our Performance, Premium, and AIR MILES®† Chequing Accounts. Get peace of mind in three quick steps.
Sign in to your account
Sign in to your Performance, Premium, or AIR MILES Chequing Account using the BMO mobile banking app.
Select your lead chequing account, then manage, then OnGuard
Make sure your lead account is selected (i.e. the one you use to pay your banking fees), then select manage, then select OnGuard. Note, if OnGuard is greyed out, then you may not be under your lead account or eligible due to your bank plan.
Set up monitoring services
Follow the instructions to set up your OnGuard account and choose which personal information you’d like to monitor.
Set up your OnGuard account using mobile banking.
Sign in to your account
Sign in to your Performance, Premium, or AIR MILES Chequing Account through BMO Online Banking.
Select your lead chequing account, then manage, then OnGuard
Make sure your lead account is selected (i.e. the one you use to pay your banking fees), then select manage, then select OnGuard. Note, if OnGuard is greyed out, then you may not be under your lead account or eligible due to your bank plan.
Set up monitoring services
Follow the instructions to set up your OnGuard account and choose which personal information you’d like to monitor.
Set up your OnGuard account now using Online Banking.
New to BMO?
Get best-in-class identity theft protection at no extra cost when you open a Performance, Premium, or AIR MILES®† Chequing Account.
Up to $700 cash bonus plus a $50 Walmart Canada eGift card*
Features
Get up to a promo interest rate when you add a Savings Amplifier Account†- Get accounts for family members without paying an additional monthly fee with the BMO Family Bundle*86
- Up to $150 rebate on the annual fee for an eligible BMO credit card*10
- Preferred U.S. foreign exchange rate*35
- OnGuard Identity Theft Protection*74
- No-fee Global Money Transfer transactions to up to 50 countries*103
Up to $700 cash bonus plus a $50 Walmart Canada eGift card*
Performance Chequing Account
Get unlimited transactions*53 at a low cost with our most popular account.
Features
Earn a promo interest rate when you add a Savings Amplifier Account†
Get accounts for family members without paying an additional monthly fee with the BMO Family Bundle*86
Unlimited transactions*53 and Interac e-Transfer® footnote section
OnGuard Identity Theft Protection*74
Up to $40 rebate on the annual fee for eligible BMO credit cards*15
No-fee Global Money Transfer transactions to up to 50 countries*103
Up to 7,000 AIR MILES Bonus Miles™ footnote dagger*
Features
Earn a promo interest rate on balances up to $1 million when you add a Savings Amplifier Account†
Get accounts for family members without paying an additional monthly fee with the BMO Family Bundle*107
Unlimited transactions*52 and INTERAC e-Transferregistered sign section sign transactions
25 Bonus Miles each month when you also have a BMO AIR MILES World Mastercard® footnote star or BMO AIR MILES World Elite®*Mastercard
OnGuard Identity Theft Protection*74
2x the Miles for every $25 on eligible grocery and wholesale club purchases*9
1 Mile for every $25 in purchases everywhere else*9
50 Bonus Miles each month you maintain a daily balance of $4,000 or more in your chequing account*106
On Guard frequently asked questions
As a BMO customer, you’re eligible for OnGuard if one of the following is your lead bank account (i.e. the account you use to pay your banking fees):
Performance Plan
Premium Plan
Employee Plan
Platinum Plan
AIR MILES Plan
In addition, to qualify:
You must be a Canadian resident who has reached the age of majority for your province or territory
You must have a valid email address on your BMO profile
Your lead account must be in good standing
You must be registered for Online or Mobile Banking
Customers with an eligible Bank Plan with the Kids or Teens discounted banking program do not qualify for OnGuard.
All accountholders of a lead account with an eligible Bank Plan qualify for OnGuard provided they meet the above eligibility requirements. If you switch your lead account to an ineligible Bank Plan, then you will no longer qualify for the OnGuard service.
You are being asked these questions to confirm your identity before we can display the details of your Activity Alerts. This process has been put in place to help protect your sensitive data. Only you would know the detailed information pertaining to your credit history, and, by submitting your answers through our secure website, this sensitive information is never shared with anyone else. Unfortunately, we are unable to display your Activity Alerts without verifying your identity online.
If you have any problems with your account or monitoring information, you can contact OnGuard at 1-866-327-3078. We’re available Monday to Friday from 9am to 9pm ET.
You may cancel at any time by contacting us at 1-866-327-3078. Your cancellation will be effective as of the last day of your current subscription cycle or 30 days after notification is received, whichever is earlier.
Your personal information will be monitored on many sites across the public, deep and dark web:
- Public or Surface Web:The part of the World Wide Web that is indexed by search engines like Google or Bing and accessible to anyone with an internet connection. Examples include public chat rooms, news articles and blogs. The surface web accounts for a very small portion, less than 10%, of the entire web.
- Deep Web:The part of the World Wide Web that isn’t found by search engines like Google or Bing, and is not accessible to anyone who has not specifically been granted access. Examples include personal email accounts, social media accounts, banking accounts, private databases and other services that are accessed through password protection. The deep web accounts for the largest segment of the internet.
- Dark Web:The part of the World Wide Web that is only accessible by means of special software that allows users and website operators to remain anonymous or untraceable. Criminals trade and sell personal and financial information on the dark web that could be used for identity and financial fraud.
We monitor activity associated with your BMO deposit accounts and your BMO debit card and credit card accounts on an ongoing basis. The OnGuard identity protection service helps protect your broader identity against fraudulent use that can result in new bank accounts, other utility accounts and online services being opened in your name.
Your alert will contain information to help you assess if your monitored information has been used fraudulently, as well as next steps to respond to the alert. If you need any help, contact OnGuard’s identity specialists at 1-866-327-3078 to help you assess the alert and discuss next steps.
Yes. Only the information you provide during your OnGuard activation is automatically monitored. If you have other information that you want monitored, like multiple debit or credit cards, you will need to register those individually.
No. The way OnGuard monitors your information doesn’t have any impact on your credit score as it’s considered a “soft” credit bureau inquiry.
Need help? That’s what we’re here for.
Visit us
Book an appointment at your nearest branch to chat about your account options.
Call us
Give us a call if you have any questions about setting up OnGuard with your chequing account.
†We guarantee up to a promotional interest rate on balances deposited to a Savings Amplifier Account for up to 120 days from the account opening start date. This is an estimated value of $151.23 in total interest. If the Savings Amplifier Account is not funded, no interest will be earned. Promotional interest will be earned on the total balance within the Savings Amplifier Account. To qualify for the Promotional Rate, you must 1. Open a new Primary Chequing Account with the AIR MILES Plan, Performance Plan, Premium Plan, Practical Plan, or Plus Plan 2. Open a new Savings Amplifier Account 3. Make a deposit(s) into the Savings Amplifier Account. Interest is calculated on the daily account closing balance, up to a balance limit of $1,000,000, and paid monthly on the last business day of the month. For additional details please refer to Terms and Conditions.
OnGuard®†dagger is a registered trademark of Sigma Loyalty Group Inc.
®*Mastercard, and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license
®§section Interace-Transfer is a registered trademark of Interac Inc. Used under license.
®†/™†dagger / ™ dagger Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Bank of Montreal.
double daggerTrademark of Visa International Service Association and used under license.