How does BMO protect my account from unauthorized transactions?

We work hard to protect your confidential information and online privacy. We take various measures to prevent unauthorized users from accessing our systems so you can bank with confidence.

How secure is online banking with BMO?

BMO is committed to providing you with a secure online experience. When you’re securely logged in to online banking, you’ll notice a lock icon and https in the URL. Our online banking website uses the federal standard of physical, electronic and procedural safeguards to protect your personal information. We have several measures in place to prevent unauthorized users from accessing our systems, including password protection, data encryption, secured firewalls and session time-outs, among others.

How secure are banking apps?

The BMO Digital Banking app has multiple security features designed to protect you: All info sent and received through the BMO app is encrypted to avoid third-party security risks. The app doesn’t store any confidential info (or cookies) on your mobile device. Any data sent to your mobile device through the app is free from harmful software like viruses.

What should I do if my phone is lost or stolen?

Step 1: Follow the recommended steps of your mobile service provider to report a lost or stolen phone. Step 2: Know that your BMO banking information and accounts are secure.

What are my responsibilities under the Online Guarantee?

To ensure reimbursement under this guarantee, there are a few steps you'll need to take to protect your account information as outlined in our BMO Digital Banking Services Agreement

Security Center – Learn How We Protect You

Skip navigation

Search

Country Selector

US

Canada (English)

Canada (French)

China

Site Selector

Personal

Personal
Business
Wealth
Commercial
Capital Markets
Global Asset Management
About Us

Resources
- Credit Cards Overview
Resources
Resources
Resources
Resources

Support

Branches

Sign In

Site Selector

Personal

Personal
Business
Wealth
Commercial
Capital Markets
Global Asset Management
About Us

Search

Country Selector

US

Canada (English)

Canada (French)

China

Resources
- Credit Cards Overview
Resources
Resources
Resources
Resources

Navigation skipped

Explore our services

Investing & Retirement

Security Center

How We Protect You

How to Protect Yourself

Report Fraud

Security Alerts

Security Learning Center

Security Tips

Ways to Bank

Digital Banking

Register for Digital Banking

Bank by Phone

Bank at Work Services

Payment Assistance for Mortgage and Home Equity

Customer support

Branch locator

Disclosure

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.

Android, Google Play, and the Google Play logo are trademarks of Google Inc.

Banking products and services are subject to bank and credit approval and are provided in the United States by BMO Bank N.A. Member FDIC.

Notice to Customers

To help the government fight the funding of terrorism and money laundering activities, federal law (USA Patriot Act (Title III of Pub. L. 107 56 signed into law October 26, 2001) requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide a copy of your driver's license or other identifying documents. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. If the requested information is not provided within 30 calendar days, the account will be subject to closure.

Third party web sites may have privacy and security policies different from BMO. Links to other web sites do not imply the endorsement or approval of such web sites.

Please review the privacy and security policies of web sites reached through links from BMO web sites. This information is not intended to be tax or legal advice. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. BMO Bank N.A. and its affiliates do not provide legal or tax advice to clients. You should review your particular circumstances with your independent legal and tax advisors.