Balance alerts for your bank account
Stay on top of your accounts and avoid unnecessary fees the easy way with balance alerts and Same Day Grace. Get email, text or app notifications to keep track of your money.
Get to know our other balance alerts
Here are some other bank account alert options to help you keep track of your account balances.
Large withdrawal alerts
Get an alert when a withdrawal above a certain amount is made from your account.
Large deposit alerts
Get notified when a withdrawal above a certain amount is made from your account.
Minimum balance alerts
We’ll let you know when your balance dips below a set amount that you choose.
How to manage your balance alerts
Sign into the BMO Mobile Banking App.
Go to the More menu and select Alerts.
Review your contact details, select Quick Setup and choose the alerts you’d like to receive.
Sign into BMO Online Banking.
Select the profile icon in the top right corner.
Select Alert preferences to customize your alerts.
Download our mobile banking app
It’s like a bank branch in your pocket. Get it free from your app store.
Want even more protection?
Overdraft protection can offer you peace of mind and with multiple options we can help you pick the protection that best serves your needs.
Peace of mind
Forget the stress of declined transactions and paying unwanted non-sufficient funds (NSF) fees.
Standard Overdraft Protection
$5 a month fee for Standard Overdraft Protection.*20
Occasional Overdraft Protection
No monthly fee but charges $5 per transaction when using overdraft protection.*21
Balance alert and Same Day Grace F A Qs
If you’d like to receive large withdrawal alerts, large deposit alerts or minimum balance alerts, you’ll need to sign up for each alert.
We’ll automatically enrol you in low balance alerts to protect you from NSF fees. But you can opt out any time you like through online banking or the mobile app.
Ensure that you receive Balance Alerts by keeping your contact information up to date.
You can review and edit your contact information by signing into BMO Online Banking, selecting the profile icon and then clicking on "Your information". Here you can review, edit, and update your contact details.
You can also review your contact information on the mobile app by logging in and selecting More and then clicking on your profile at the top of the page.
Sign into BMO Online Banking and select the profile icon in the top right corner and then click on “Alert Preferences”, or sign into BMO Mobile Banking and select “Alerts” from the “More” menu. You can then change your Alerts as you like.
Yes, you will receive a notification when your balance is below $0, but within your overdrawn limit and/or when your balance is below your overdrawn limit. If your balance is still within your overdrawn limit, you’ll be charged interest on the overdrawn amount.
If your balance drops below your overdraft limit, your transactions could be returned as Non-Sufficient Funds (NSF) and you could incur additional fees, plus interest on the overdrawn amount.
When your balance is below $0, you may be charged overdraft fees and interest on the overdrawn amount. In addition, your transactions could be returned as Non-Sufficient Funds (NSF) and additional fees may apply.
You will need to bring your account back to a positive balance; the best way to do this is to add slightly more money than the amount that your account has been overdrawn by. Keep in mind any more transactions or preauthorized payments that are scheduled for that account, you’ll need to provide enough money to cover those transactions as well to avoid NSF fees.
Here are two ways you can do that:
- Transfer funds from another account
- Make a deposit
If you deposit a cheque, it might be put on hold until the funds clear, and transactions could be returned NSF if you go beyond your available funds. Consider making a cash deposit to avoid having the funds put on hold.
Want to know more? That’s what we’re here for.
Come in and talk to us
Drop by your nearest branch to get personalized support.
Footnote star details Eligibility is subject to individual evaluation at the time of transaction (such as, but not limited to, credit profile, overdraft protection, etc.) and can change at any time. For more information, please see the Overdraft Protection page or visit a BMO branch.Please note BMO Alerts can be delivered by text message (SMS) through major Canadian wireless providers and sent from the short code 266898. You can use BMO Alerts at no additional cost from BMO. However, you are responsible for all fees charged by your mobile device service provider including standard messaging and data charges. Message frequency depends on your account settings. You can opt-out of BMO Alerts at any time by modifying your alert settings or by texting "STOP" to the short code 266898.