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Our 100% Guarantee

 

We will reimburse you 100% for any losses resulting from unauthorized transactions from your personal bank account through BMO Online and Mobile Banking

 

Security Centre

 

There's only one you and let's keep it that way. We’re dedicated to helping protect you and your accounts online.

 

Video: Staying safe online

 

We’re working to make online and mobile banking better, faster and safer. Check out all the ways we help protect your financial info.

 

Video: What is phishing?

 

Avoid phishing scams by knowing how to spot a phishing email or text, and what to do if one lands in your inbox.

 

Protect yourself online

 

To start, we recommend securing your desktop browser with IBM®* Trusteer Rapport®* software. Unlike the antivirus software you may already have, Trusteer Rapport protects your information against malware and fraudulent activity, and it works fast. Trusteer Rapport is easy, quick to install and is another layer of security for BMO® Online Banking customers.

 

 

®* IBM and Trusteer Rapport are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide

 

 

We suggest you change your BMO Online & Mobile Banking password and update your security questions every 90 days.

 

Remember, we'll never contact you via unsolicited phone call or email to ask for personal information or account details. Reach out to us right away if you’re ever concerned about suspicious activity.

 

 

Report a suspicious email by forwarding it as an attachment to:

 


ONLINE & MOBILE BANKING SECURITY

Online & Mobile Banking Security

 

Your identity and account information is protected by layers of security when you bank online or from your smartphone.

 

Here’s what you need to know:

 

  • Setting up a secure sign-in to access your accounts is free and can be done in minutes.
  • Your personal bank accounts are backed by our 100% Electronic Banking Guarantee.
  • You’re required to have a valid BMO Debit or BMO Credit Card, password, and the ability to answer security questions to access your accounts online.
  • Your debit or credit card is suspended from online and mobile banking after consecutive unsuccessful attempts to enter the password. This limits the opportunity for a fraudulent user to guess and obtain the correct password.
  • Challenge questions are asked when attempts to access online or mobile banking are made from unknown devices, locations as well as locations considered to be high-risk.
  • Finally, we will automatically log you out of a secure online session if it is left idle for more than 10 minutes.

 

 

Set up online banking with a:  Debit CardCredit Card

 

 

You can safely bank wherever you want, on any device.

 

Follow these tips to feel secure:

 

  • Make sure you only use apps we offer you to download from our website, directly from the Apple App Store, or on Google Play.
  • Be sure to always update your banking apps when new versions are available. Updates often have security patches that help protect your information and your device from the latest malware.
  • Always log out! After you've checked in on your mobile or online banking, sign out.
  • Password-protect your phone and lock your device when you're not using it.
  • Sign up for BMO Alerts. Receive alerts by email or by text1 to your smartphone to keep informed and up-to-date on your personal banking and credit card activity.
  • Skip the public Wi-Fi when it comes to online and mobile banking — although your personal connection is secure, general public Wi-Fi connections are not.

 

 

Quickly spot the warning signs of fraud.

 

Here’s a few quick reminder of things we will never do or ask you for:

 

1. Call or email to ask you for your debit card or credit card PIN or online banking password.
If we do get in touch, say to make sure that a transaction was really made by you, we would not ask for your PIN or online passwords.

 

2. BMO will not ask you to enter your online banking details via using a link in an email. Our preference is to send you to our website at bmo.com.
Your personal online banking information is for BMO Online and Mobile Banking only. We won’t ask you to share it anywhere else. Here’s some helpful tips on how to recognize fraudulent emails:

  • Be cautious if the “from” address is a new source or person you’ve not communicated with via email previously. The email “from” field and email address domain (John Sample john.sample@bmo.com) should be recognizably from BMO or a person you have done business with.
  • The email is coming “from” an unsolicited source, contains attachments, or states it’s a follow-up from an action you have NOT taken.
  • The web address included in the email has the @ symbol or a complete numeric address (eg.123.456.1.2.); clearly not leading to a bmo.com web page like www1.bmo.com.
  • Legitimate emails do not have major spelling or grammar mistakes.
  • Emails that are threatening in nature or invoke a sense of urgency including phrases like “account has been suspended” or “click here immediately to reactivate your account”.
  • Lack of details about who the email is from including the company name and street address are signs of fraudulent emails.

 

3. Ask you to email or text personal or banking information.
There is no reason for you to ever have to email or text us your personal banking information, so if you receive such a request, please forward as an attachment to online.fraud@bmo.com and then delete the message.

 

1 Standard messaging and data charges may apply.
Apple and App Store are trademarks of Apple Inc. registered in the U.S. and other countries
Google Play is a trademark of Google Inc.

SECURITY SOFTWARE

Secure Your Desktop Browser with IBM
Trusteer Rapport

 

With fraudulent websites becoming harder to spot, it’s important to be able to verify the pages you visit, especially when using online banking. Protect yourself against fraud and identity theft by flagging phishing sites with IBM®* Trusteer Rapport®* software. It’s free to download on your desktop, easy to set up and will ensure you're accessing bmo.com, not an imposter site.

 

More about Trusteer Rapport

 

How do I know Trusteer Rapport is protecting me?

 

Once it’s installed, look for the green Trusteer Rapport icon in your browser’s address bar.

 

 

If the icon is grey, Trusteer Rapport has not been enabled to protect the website you are visiting.

 

 

Download Trusteer Rapport for desktop free

 

If you require assistance using the software, please visit trusteer.com/support.

 

Downloading and use of the Trusteer Rapport software is governed by the terms of the Rapport license agreement, which is provided with the software. Bank of Montreal makes no representation or warranty respecting the software or Trusteer’s website. You agree Bank of Montreal is not responsible for any difficulties, consequences, costs, claims, damages or losses arising in any way whatsoever out of the downloading or use of the software.
®* IBM and Trusteer Rapport are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide

SECURE EMAILS

Communicate with confidence

 

Email is a convenient way to connect with your BMO representative, but it often involves sending attachments or providing personal information. PROTECT Message Center is a free and simple service that encrypts or scrambles your confidential information and stores it in a secure format for 90 days, so you can receive and send emails with confidence.

 

Am I eligible?

 

Yes! You can enroll as soon as you receive a secure email from BMO-Protect_Protege@bmo.com.

 

Read these simple instructions for setting up your account or review these FAQs.

CHIP TECHNOLOGY

Commitment to chip Technology

 

BMO Debit and Credit Cards are protected by an encrypted microchip, making a safe payment system even safer. Your personal identification number (PIN) provides even more protection.

 

All chip cards will continue to have a magnetic stripe on the back, so you can still use your card for merchants who don't have chip terminals, or in countries that have not yet adopted chip technology.


ONLINE & MOBILE BANKING SECURITY

 

Your identity and account information is protected by layers of security when you bank online or from your smartphone.

 

Here’s what you need to know:

 

  • Setting up a secure sign-in to access your accounts is free and can be done in minutes.
  • Your personal bank accounts are backed by our 100% Electronic Banking Guarantee.
  • You’re required to have a valid BMO Debit or BMO Credit Card, password, and the ability to answer security questions to access your accounts online.
  • Your debit or credit card is suspended from online and mobile banking after consecutive unsuccessful attempts to enter the password. This limits the opportunity for a fraudulent user to guess and obtain the correct password.
  • Challenge questions are asked when attempts to access online or mobile banking are made from unknown devices, locations as well as locations considered to be high-risk.
  • Finally, we will automatically log you out of a secure online session if it is left idle for more than 10 minutes.

 

 

Set up online banking with a:

 

Debit Card

 

Credit Card

 

You can safely bank wherever you want, on any device.

 

Follow these tips to feel secure:

 

  • Make sure you only use apps we offer you to download from our website, directly from the Apple App Store, or on Google Play.
  • Be sure to always update your banking apps when new versions are available. Updates often have security patches that help protect your information and your device from the latest malware.
  • Always log out! After you've checked in on your mobile or online banking, sign out.
  • Password-protect your phone and lock your device when you're not using it.
  • Sign up for BMO Alerts. Receive alerts by email or by text1 to your smartphone to keep informed and up-to-date on your personal banking and credit card activity.
  • Skip the public Wi-Fi when it comes to online and mobile banking — although your personal connection is secure, general public Wi-Fi connections are not.

 

 

Quickly spot the warning signs of fraud.

 

Here’s a few quick reminder of things we will never do or ask you for:

 

1. Call or email to ask you for your debit card or credit card PIN or online banking password.
If we do get in touch, say to make sure that a transaction was really made by you, we would not ask for your PIN or online passwords.

 

2. BMO will not ask you to enter your online banking details via using a link in an email. Our preference is to send you to our website at bmo.com.
Your personal online banking information is for BMO Online and Mobile Banking only. We won’t ask you to share it anywhere else. Here’s some helpful tips on how to recognize fraudulent emails:

  • Be cautious if the “from” address is a new source or person you’ve not communicated with via email previously. The email “from” field and email address domain (John Sample john.sample@bmo.com) should be recognizably from BMO or a person you have done business with.
  • The email is coming “from” an unsolicited source, contains attachments, or states it’s a follow-up from an action you have NOT taken.
  • The web address included in the email has the @ symbol or a complete numeric address (eg.123.456.1.2.); clearly not leading to a bmo.com web page like www1.bmo.com.
  • Legitimate emails do not have major spelling or grammar mistakes.
  • Emails that are threatening in nature or invoke a sense of urgency including phrases like “account has been suspended” or “click here immediately to reactivate your account”.
  • Lack of details about who the email is from including the company name and street address are signs of fraudulent emails.

 

3. Ask you to email or text personal or banking information.
There is no reason for you to ever have to email or text us your personal banking information, so if you receive such a request, please forward as an attachment to online.fraud@bmo.com and then delete the message.

 

1 Standard messaging and data charges may apply.
Apple and App Store are trademarks of Apple Inc. registered in the U.S. and other countries
Google Play is a trademark of Google Inc.


SECURITY SOFTWARE

 

Secure Your Desktop Browser with IBM
Trusteer Rapport

 

With fraudulent websites becoming harder to spot, it’s important to be able to verify the pages you visit, especially when using online banking. Protect yourself against fraud and identity theft by flagging phishing sites with IBM®* Trusteer Rapport®* software. It’s free to download on your desktop, easy to set up and will ensure you're accessing bmo.com, not an imposter site.

 

More about Trusteer Rapport

 

How do I know Trusteer Rapport is protecting me?

 

Once it’s installed, look for the green Trusteer Rapport icon in your browser’s address bar.

 

 

If the icon is grey, Trusteer Rapport has not been enabled to protect the website you are visiting.

 

 

Download Trusteer Rapport for desktop free

 

If you require assistance using the software, please visit trusteer.com/support.

 

Downloading and use of the Trusteer Rapport software is governed by the terms of the Rapport license agreement, which is provided with the software. Bank of Montreal makes no representation or warranty respecting the software or Trusteer’s website. You agree Bank of Montreal is not responsible for any difficulties, consequences, costs, claims, damages or losses arising in any way whatsoever out of the downloading or use of the software.
®* IBM and Trusteer Rapport are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide


SECURE EMAILS

 

Communicate with confidence

 

Email is a convenient way to connect with your BMO representative, but it often involves sending attachments or providing personal information. PROTECT Message Center is a free and simple service that encrypts or scrambles your confidential information and stores it in a secure format for 90 days, so you can receive and send emails with confidence.

 

Am I eligible?

 

Yes! You can enroll as soon as you receive a secure email from BMO-Protect_Protege@bmo.com.

 

Read these simple instructions for setting up your account or review these  FAQs.


CHIP TECHNOLOGY

 

Commitment to chip Technology

 

BMO Debit and Credit Cards are protected by an encrypted microchip, making a safe payment system even safer. Your personal identification number (PIN) provides even more protection.

 

All chip cards will continue to have a magnetic stripe on the back, so you can still use your card for merchants who don't have chip terminals, or in countries that have not yet adopted chip technology.


100% Electronic Banking Guarantee for Personal Banking Customers

 

We will reimburse you 100% for any losses to your personal bank accounts resulting from
unauthorized transactions through BMO Online and Mobile Banking.

 

To ensure reimbursement under this guarantee, there are a few necessary steps you must complete, as outlined
in our Electronic Banking Services Agreement. For more information, please review How BMO Protects You.
We also recommend safeguarding your computer.


Sign up for BMO Online Banking

 

We work hard to make your online banking convenient and carefree. With several
banking security measures in place for desktop and mobile devices, your personal and
financial information is protected at BMO.

 

BMO Debit Card Holders

 

Make sure to have your BMO Debit Card and any account number(s) linked to that card ready. You’ll also be asked some security questions.  

 

Sign up

BMO Credit Card Holders

 

Make sure to have your BMO Credit Card ready. You’ll also be asked some security questions.  

 

Sign up


Contact Us

 

Remember, we'll never contact you via phone or email to ask for personal information
or account details. Reach out to us right away if you’re ever concerned about suspicious activity.

 

 

Bank of Montreal is providing you with the information contained on these Security pages for your personal use only on the understanding that you agree that Ban of Montreal has no liability to you for providing you with this information, whether or not you rely on it. Bank of Montreal does not guarantee the accuracy or completeness of the information. Links from this website to other websites, or references to products, services or publications other than those of Bank of Montreal and its affiliates, do not imply the endorsement or approval of such websites, products, services or publications by Bank of Montreal.