Debit cards that simplify your purchases
Our debit cards make banking easy and safe. Get instant access to your money, plus all the benefits and security of a Mastercard®. Footnote 5
We make banking simple and secure
All our debit cards offer a safe and convenient way to bank, anywhere and anytime.
BMO Debit Mastercard®
Enjoy security and simplicity with fast access to your money in stores, online and at the ATM.
Show your team spirit with our fan cards
Cheer on your favorite team and get exclusive fan rewards.
BMO Bulls Debit Mastercard®
Get a card that shows where your team loyalty lies and enjoy special discounts on Bulls gear.
BMO Blackhawks Debit Mastercard®
Carry your fandom in your wallet and get special discounts on team gear.
BMO Bucks Debit Mastercard®
Get closer to the game with exclusive gameday offers and special discounts.
Our debit cards are safe and convenient
40,000+ fee-free ATMs across the U.S. Footnote 6
With nearly as many fee-free ATMs across the US as the two largest banks combined, access to your money is just as convenient as your local ATM.
Zero Liability Protection for greater peace of mind Footnote 7
You won’t be liable for any unauthorized purchases made using your card, whether it’s in person, online or over the phone.
Shop securely in-store and online
With chip technology to protect against fraud at the terminal and Mastercard® SecureCode to keep you safe online, you’re always protected.
Enjoy more ways to shop with in-app purchases
Our debit cards are compatible with Apple Pay, Android Pay and Samsung Pay. Just add your debit card to your digital wallet and shop securely in-store and in-app using just your smartphone.
Debit card FAQs
There are a few ways you can activate your debit card. Just pick the method that’s most convenient for you.
Activate your debit card online:
- Select Your Account and then Manage debit/ATM cards.
- Select Activate Card and follow the prompts to start using your card.
Activate your debit card by phone:
Just give us a call at 1-888-340-2265 and we’ll be happy to activate your card over the phone.
If you already bank with us and would like to request a debit card, you can visit a branch to get a new card on the spot, or give us a call at 1-888-340-2265 and we’ll send you one by mail.
You’ll pay no annual fee and no fee for purchases. Plus, you get unlimited fee-free transactions at over 40,000 BMO and Allpoint® registered trademark ATMs nationwide.
However, if you use your debit card at another financial institution’s ATM, a fee may apply. Please see your Deposit Account Agreement for more information on fees.
If you use your card while traveling outside the U.S., or if you make a remote purchase from the United States with a foreign merchant, a foreign transaction fee will apply.
Changing your PIN is simple and there are a few different ways to do it.
Change your PIN online:
- Select Your Account and then Manage debit/ATM cards.
- Select Change PIN and follow the prompts to update it.
Change your PIN by phone:
Just give us a call at 1-888-340-2265 and we’ll be happy to help you change your PIN over the phone.
You can also visit a branch to make the change, or if you know your current PIN you can change it at any BMO ATM.
Open a checking account and experience a better way to bank
No matter what you’re looking for, we have a checking account to meet your unique needs. Explore them all and open an account online in minutes.
We make banking easy
Manage all your banking needs, whenever and wherever you like. Bank from anywhere with our simple online and mobile tools or find a no-fee ATM close to you.
Set and track a financial goal with our Saving Goal tool
With Savings Goals, you can set a personalized financial goal and monitor your savings progress every time you access your account in BMO Digital Banking.
Bank from anywhere with Mobile Deposit footnote 8
Skip the trip to the bank and deposit checks directly from your smartphone with mobile deposits.
Set up automatic transfers footnote 9 to grow your savings faster
With auto transfers from your checking account to your savings, you can grow your money without even having to think about it.
over 40,000fee-free ATMs across the U.S.
Enjoy unlimited fee-free transactions at over 40,000 BMO and Allpoint® ATMs nationwide.
Ready to get started?
Open an account online in minutes or get in touch if you have any questions.
Call us
Give us a call if you have any questions or you’re ready to open an account.
Visit us
Come in to one of our BMO financial center to open your account in person.
Footnote 1 details Message and data rates may apply. Contact your wireless carrier for details.
Footnote 2 details U.S. checking or savings account required to use Zelle®. At BMO we require you to enroll a checking account to use Zelle®. Transactions between enrolled users typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Zelle® should only be used to send money to people and businesses you trust. Zelle® does not offer protection for authorized payments, so money you send may not be recoverable. For details, see the BMO Digital Banking Agreement found at bmo.com/en-us/legal.
Footnote 3 details Mobile Deposit is available using the BMO Digital Banking Mobile App. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, please see the BMO Digital Banking Agreement found at bmo.com/en-us/legal.
Footnote 4 details Visit bmo.com/en-us/security for details.
Footnote 5 details Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.
Footnote 6 details Foreign Transaction Fees will apply at Allpoint® ATMs located outside of the United States.
Footnote 7 details Pay only for purchases that you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Card design and availability is subject to change without notice.
Mastercard, the Mastercard Brand Mark, Mastercard® SecureCode, and the circles design are trademarks of Mastercard International Incorporated.
The Chicago Bulls identifications are the exclusive property of NBA Properties, Inc. and the Chicago Bulls. ®2026 NBA Properties, Inc. All rights reserved.
The Chicago Blackhawks Primary Logo is a registered trademark of the Chicago Blackhawk Hockey Team, Inc.
The Milwaukee Bucks identifications are the exclusive property of NBA Properties, Inc. and the Milwaukee Bucks. ®2026 NBA Properties, Inc. All rights reserved.
Copyright Major League Soccer, L.L.C.
LAFC identifications are the exclusive property of Major League Soccer, L.L.C. and LAFC Sports, LLC. ®2026 Major League Soccer, L.L.C. All rights reserved.
The Angel City FC identifications are the exclusive property of National Women’s Soccer League, LLC and Angel City FC, LLC. All rights reserved.
Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC