U.S. Consumer Privacy Notice

Reasons we can share your personal information

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does BMO Bank N.A. collect my personal information?

We collect your personal information, for example, when you: 

• open an account or deposit money 
• apply for a loan or use your credit or debit card 
• seek advice about your investments 

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only 

• sharing for affiliates everyday business purposes—information about your creditworthiness 
• affiliates from using your information to market to you 
• sharing for nonaffiliates to market to you 

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state laws.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to you only, unless you tell us otherwise.

To limit our sharing

Call toll-free 1-888-654-0063. 

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call toll-free 1-888-654-0063. 

• Talk to a banker at a BMO branch 
• Talk to your assigned account representative 

For general banking service inquiries, please call us at 1-888-340-2265.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial or nonfinancial companies.

Our affiliates include companies with a Bank of Montreal or BMO name. 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

BMO Bank N.A. does not share with nonaffiliates so they can market to you. 

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners include credit card companies.

Other important information

For California Residents

We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by California law, such as to service your account. To authorize the sharing of this information, please call us toll-free at 1-888-654-0063. 

In addition, we will limit the sharing of information about you within the BMO family of companies to the extent required by California law. 

For Vermont Residents

we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information credit report, or health information to nonaffiliate third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.  

Additional information concerning our privacy policies can be found here or call 1-888-654-0063. 

For Nevada Residents

Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-654-0063.  

Nevada law also requires we provide the following contact information for questions about this notice:  

Phone number: 1-888-654-0063

Nevada law also requires we provide the following contact information for questions about this notice: