Skip navigation
Bank of Montreal logo
    Flag of CanadaCAYou're on B M O Canada website
    Flag of CanadaCAYou're on B M O Canada website
    Canada
    Canada
    Flag of the United States of AmericaUS
    Personal
    • Personal
    • Business
    • Private Wealth
    • Commercial
    • Capital Markets
    • Global Asset Management
    • About BMO
    ENEnglish
    • English
    • English
    • Français
    • Français
    • 简体中文
    • 繁體中文
      • Bank Accounts Overview
        • All chequing accounts
        • Plus Chequing
        • Performance Chequing
        • Practical Chequing
        • Premium Chequing
        • AIR MILES Chequing
        • All savings accounts
        • Premium Rate Savings
        • Savings Amplifier
        • U.S. Dollar Premium Rate Savings
        • Savings Builder
        • Students
        • Newcomers
        • Kids and Teens
        • Canadian Defence Community
        • Family Bundle
        • Indigenous Banking
        • Seniors
      • Special Offers
      • BMO Digital Banking
      Resources
      • Compare chequing accounts
      • Banking fees and agreements
      • Book an appointment
      • Credit Cards Overview
        • Cash Back
        • Low Interest Rate
        • Rewards
        • Travel
        • AIR MILES
        • Visa
        • No Fee
        • All cards
        • Students
        • Affinity
        • New to Canada
        • Pre-paid
        • Business
        • BMO PowerSwitch
        • Google Pay
        • BMO PaySmart
        • Click to Pay
        • Apple Pay
        • Safety & Security
        • Travel Services
        • Travel Insurance
      Resources
      • Activate your card
      • Compare credit cards
      • Help me choose a card
      • Make an appointment
      • Mortgages Overview
      • Mortgage Rates
      • Special Offers
        • Mortgage pre-qualification
        • Renew your mortgage
        • Mortgage pre-approval
        • Refinance your mortgage
        • Homeowner ReadiLine®
        • BMO Smart Fixed Mortgage
        • Switch your mortgage to BMO
        • Mortgage insurance
        • All calculators
        • Mortgage Payment Calculator
        • Mortgage Affordability Calculator
        • Variable or Fixed Rate Calculator
        • Mortgage Pre-Payment Calculator
        • Homeowner ReadiLine® Calculator
        • Mortgage Renewal Calculator
        • Mortgage renewal tips
        • First-time home-buyer programs
        • Renew vs. refinance
        • Buying a home
        • Purchasing a newly built property
        • Make your mortgage work for you
        • Eco-friendly home guide
        • Newcomer mortgage options
      Resources
      • Apply for a BMO Mortgage
      • Talk to an expert
      • Call a home advisor
      • Find a local mortgage specialist
      • Loans & Lines of Credit Overview
        • Personal Loans
        • Home Equity Loan
        • All loans
        • RRSP Retro Activator
        • Personal Line of Credit
        • RRSP ReadiLine
        • Homeowner's Line of Credit
        • All lines of credit
        • Student Line of Credit
        • Medical or Dental Student Line of Credit
        • Professional Student Lines of Credit
        • All student borrowing options
      Resources
      • Loan calculators
      • Make an appointment
      • Help me choose
      • Investments Overview
        • Investment Professionals
        • Financial Planners
        • Private Wealth
        • All online investing solutions
        • InvestorLine Self-Directed
        • InvestorLine adviceDirect
        • BMO SmartFolio
        • TFSA
        • RRSP
        • RESP
        • FHSA
        • RRIF
        • RDSP
        • Margin Accounts
        • CSP
        • Mutual Funds
        • GICs
        • ETFs
        • Stocks
        • Bonds
        • Options
        • All calculators
        • TFSA Calculator
        • Retirement Calculator
        • FHSA Calculator
        • RIF Payment Calculator
        • GIC Calculator
        • Investment Payout Calculator
        • Net Worth Worksheet
      Resources
      • Learning centre
      • Help me choose
      • Book an appointment
        • Creditor Insurance Overview
        • Loans & Lines of Credit Protection Insurance
        • Mortgage Protection Insurance
        • Commercial Loan Insurance Plan
        • Credit Card Balance Protection Enhanced
        • Travel Insurance Overview
        • Travel Insurance Plans
      Resources
      • Guide me tool
      • Mortgage insurance calculator
      • Get a travel insurance quote
      • Make an appointment
        • Newcomers
        • Special Offers
        • Bank Accounts
        • Permanent Resident or Foreign Worker
        • Credit Cards
        • International Students
        • Talent Program
        • Newcomer mortgage options
        • Students
        • Borrowing
        • Bank Accounts
        • International Students
        • Credit Cards
        • Talent Program
        • Canadian Defence Community Overview
        • Business Banking
        • Bank Accounts
        • Talent Program
        • Support Our Troops Mastercard
      • Kids & Teens
      • Seniors
      • Indigenous
      Resources
      • Make an appointment
      • Find a BMO branch
      • Learn about BMO
      • BMO SmartProgress
    Support
    Branches
    Appointment
    Personal
    • Personal
    • Business
    • Private Wealth
    • Commercial
    • Capital Markets
    • Global Asset Management
    • About BMO
      Flag of CanadaCAYou're on B M O Canada website
      Flag of CanadaCAYou're on B M O Canada website
      Canada
      Canada
      Flag of the United States of AmericaUS
      ENEnglish
      • English
      • English
      • Français
      • Français
      • 简体中文
      • 繁體中文
      Bank of Montreal logo
        • Bank Accounts Overview
          • All chequing accountsExplore your options
          • Plus ChequingFlexible, budget-friendly
          • Performance ChequingMost popular
          • Practical ChequingLowest fee
          • Premium ChequingMost benefits
          • AIR MILES ChequingFor the rewards collector
          • All savings accountsExplore your options
          • Premium Rate SavingsFlexible and convenient
          • Savings AmplifierHigh interest rate
          • U.S. Dollar Premium Rate SavingsEarn interest on U.S. dollars
          • Savings BuilderBonus interest
          • StudentsOffers, bonuses and more
          • NewcomersBanking options for newcomers
          • Kids and TeensBank accounts for youth under 19
          • Canadian Defence CommunityBanking options for eligible members
          • Family BundleBenefits for the entire family
          • Indigenous BankingPersonalized support, offers and more
          • SeniorsOver 60? We’ve got you covered
        • Special Offers
        • BMO Digital Banking
        Resources
        • Compare chequing accountsEasily compare your options
        • Banking fees and agreementsAccess more details about your bank plan
        • Book an appointmentConnect with us in person
        • Credit Cards Overview
          • Cash BackEarn cash on all purchases
          • Low Interest RateLow fees, low interest
          • RewardsEarn rewards on every dollar
          • TravelEarn points on travel
          • AIR MILESFor travel, merchandise & more
          • VisaEnjoy exclusive perks and rewards
          • No FeeKeep your costs low
          • All cardsExplore your options
          • StudentsEnjoy no annual fee
          • AffinityCards that support your cause
          • New to CanadaBuild your credit history
          • Pre-paidA reloadable, secure Mastercard
          • BusinessEarn rewards, AIR MILES, and more
          • BMO PowerSwitchTransfer your pre-authorized payments
          • Google PayPay securely using Google Pay
          • BMO PaySmartPay your credit card off in interest-free instalments
          • Click to PaySafely check out with BMO
          • Apple PayPay securely using Apple Pay
          • Safety & SecurityYour protection is our priority
          • Travel ServicesEverything you need on your trip
          • Travel InsuranceCoverage on the go
        Resources
        • Activate your cardSet up your card in 1 minute
        • Compare credit cardsEasily compare your options
        • Help me choose a cardAnswer a few short questions
        • Make an appointmentConnect with us in person
        • Mortgages Overview
        • Mortgage Rates
        • Special Offers
          • Mortgage pre-qualificationEstimate how much you can afford
          • Renew your mortgageExplore your renewal options
          • Mortgage pre-approvalLearn more about pre-approvals
          • Refinance your mortgageFund your goals and big plans
          • Homeowner ReadiLine®Combine a mortgage with a line of credit
          • BMO Smart Fixed MortgageLock in a 130-day rate
          • Switch your mortgage to BMOExplore how you can switch
          • Mortgage insuranceProtect your investment
          • All calculatorsExplore your options
          • Mortgage Payment CalculatorEstimate your regular payments
          • Mortgage Affordability CalculatorStart setting your budget
          • Variable or Fixed Rate CalculatorStart comparing your mortgage payments
          • Mortgage Pre-Payment CalculatorEstimate your pre-payment charge
          • Homeowner ReadiLine® CalculatorExplore a flexible borrowing option
          • Mortgage Renewal CalculatorEstimate your payment at renewal
          • Mortgage renewal tipsTips for your next mortgage term
          • First-time home-buyer programsIncentives, tax credits and more
          • Renew vs. refinanceCompare your options
          • Buying a homeTips for your home-buying journey
          • Purchasing a newly built propertyNow with 30-year amortization
          • Make your mortgage work for youFlexible solutions for your goals
          • Eco-friendly home guideTips for a greener home
          • Newcomer mortgage optionsHome financing tips for newcomers
        Resources
        • Apply for a BMO MortgageKickstart your mortgage journey
        • Talk to an expertRequest a call back
        • Call a home advisor1-866-262-1618
        • Find a local mortgage specialistConnect with a specialist nearby
        • Loans & Lines of Credit Overview
          • Personal LoansMost popular
          • Home Equity LoanTap into your home equity
          • All loansExplore your options
          • RRSP Retro ActivatorMaximize your RRSP
          • Personal Line of CreditAccess cash when you need it
          • RRSP ReadiLineMaximize your RRSP
          • Homeowner's Line of CreditTap into your home equity
          • All lines of creditExplore your options
          • Student Line of CreditAffordable, flexible financing
          • Medical or Dental Student Line of CreditEnhanced credit limits
          • Professional Student Lines of CreditPursue your studies worry-free
          • All student borrowing optionsExplore your options
        Resources
        • Loan calculatorsLet's calculate your loan payments
        • Make an appointmentSpeak to a BMO representative
        • Help me chooseFind the best borrowing option for you
        • Investments Overview
          • Investment ProfessionalsInvestment advice for your goals
          • Financial PlannersOngoing support from experts
          • Private WealthBespoke advice from a proven team
          • All online investing solutionsExplore your options
          • InvestorLine Self-DirectedTrade Online
          • InvestorLine adviceDirectTrading online with expert advice
          • BMO SmartFolioLet us invest for you
          • TFSAGrow your money, tax free
          • RRSPInvest for your retirement
          • RESPSave for a child’s education
          • FHSASave for the purchase of your first home
          • RRIFManage your retirement income
          • RDSPRegistered disability savings
          • Margin AccountsLeverage your investments
          • CSPSave on a regular basis
          • Mutual FundsDiversified and managed investing
          • GICsGuarantee your return
          • ETFsDiversified and easy to trade
          • StocksInvest in specific companies
          • BondsPredictable investment returns
          • OptionsManage risk & generate income
          • All calculatorsExplore your options
          • TFSA CalculatorWatch your savings grow, tax-free
          • Retirement CalculatorMake the most of your retirement
          • FHSA CalculatorPlan your first home purchase with ease
          • RIF Payment CalculatorTurn savings into steady income
          • GIC CalculatorDiscover the effect of compounding
          • Investment Payout CalculatorLearn more about your investments
          • Net Worth WorksheetCompare your assets and liabilities
        Resources
        • Learning centreAll Investment resources in one spot
        • Help me chooseFind the best investment option
        • Book an appointmentSpeak to a BMO representative
          • Creditor Insurance OverviewExplore your options
          • Loans & Lines of Credit Protection InsuranceLoan or line of credit protection
          • Mortgage Protection InsuranceProtection from the unexpected
          • Commercial Loan Insurance PlanProtect your business’ future
          • Credit Card Balance Protection EnhancedMake payments in difficult times
          • Travel Insurance OverviewGet a quote
          • Travel Insurance PlansExplore single and multi-trip options
        Resources
        • Guide me toolFind coverage that works for you
        • Mortgage insurance calculatorBMO's affordable coverage options
        • Get a travel insurance quoteFind the right insurance coverage
        • Make an appointmentConnect with us in person
          • NewcomersBanking options for newcomers
          • Special OffersSpecial banking offers and advice
          • Bank AccountsSave on everyday banking
          • Permanent Resident or Foreign WorkerBanking for your new life in Canada
          • Credit CardsNo credit history required
          • International Students International banking options
          • Talent ProgramExplore BMO career opportunities
          • Newcomer mortgage optionsHome financing tips for newcomers
          • StudentsBanking options for students
          • BorrowingFlexible financing for school
          • Bank AccountsEnjoy student banking perks
          • International Students International banking options
          • Credit CardsEnjoy no annual fee
          • Talent ProgramExplore BMO career opportunities
          • Canadian Defence Community OverviewBanking options for military families
          • Business BankingGet special offers and advice
          • Bank AccountsSave on everyday banking
          • Talent ProgramExplore career opportunities
          • Support Our Troops MastercardEnjoy a no-fee card
        • Kids & Teens
        • Seniors
        • Indigenous
        Resources
        • Make an appointmentConnect with us in person
        • Find a BMO branchFind a BMO location near you
        • Learn about BMOFind out more about our purpose and impact
        • BMO SmartProgressStrengthen your financial literacy skills
      Navigation skipped
      canada deposit insurance corporation
      cdic protecting your deposits pdf

      We are members of the Canada Deposit Insurance Corporation (CDIC)

      Explore our services

      • Bank Accounts
      • Credit Card
      • Mortgages
      • Loans
      • Investments
      • Creditor Insurance
      • Travel Insurance

      Security Centre

      • How We Protect You
      • How to Protect Yourself
      • Security Tips
      • Learning Centre
      • Report Fraud
      • Report Lost/Stolen Debit Card
      • Report Lost/Stolen Credit Card
      • Security Alerts

      Ways to Bank

      • Overview
      • Register for Online Banking
      • Digital Banking
      • Deposit Money
      • Request Money
      • Transfer Money
      • Send Money
      • Global Money Transfer
      • Pay Bills
      • BMO Debit Card
      • Overdraft Protection
      • CRA Direct Deposit
      • Digital Demos
      • BMO Alerts
      Customer support
      Branch locator
      Book an appointment
      About BMO
      Investor Relations
      Privacy
      Legal
      Modern Slavery Act Statement
      Careers
      Accessibility at BMO
      Accessibility Feedback
      Site map
      Customer Complaint Handling Process