Bank on both sides of the border


BMO Bank of Montreal and BMO Harris Bank make banking easy north and south of the border. Whether you’re a frequent visitor to the United States or enjoy extended stays, we offer Canadians products and services that make cross-border banking seamless. Live, vacation, shop or study in the United States and have your financial needs met.

Whether you’re a frequent visitor to the U.S. or enjoy extended stays, BMO Bank of Montreal and our U.S. subsidiary, BMO Harris, offer Canadians products and services that make cross-border banking seamless.

Banking


BMO® U.S. Dollar Account

BMO® U.S. Dollar Account1


  • Ideal for frequent travellers to the United States
  • Choose between a chequing and savings account
  • Open at no extra cost under your existing BMO Everyday Bank Plan2
  • Easily transfer funds to and from your BMO Canadian dollar account
  • Use your account to pay your BMO U.S. Dollar MasterCard®* card

Learn more
BMO Harris Personal Checking Account

BMO Harris Personal Checking Account4


  • Meets your everyday U.S.-based banking needs, like making deposits, writing cheques, accessing cash, and paying bills.
  • Sign up for BMO Harris Online Banking to stay up-to-date on account activity, including viewing online statements and cheque images.
  • Access to BMO Harris Bill Pay to automatically receive and pay U.S. bills even when you’re away from home5
  • Get a BMO Harris Debit MasterCard card with chip capabilities and no transaction fees at BMO Harris ATMs.

Learn more

Two easy ways to open a BMO Harris account


  1. Call the BMO Cross-Border Banking Hotline from Canada or the United States at 1-888-214-6720.
  2. Visit one of the over 600 BMO Harris branches in the United States.

Tip: To open a BMO Harris personal deposit account before arriving in the United States, call the BMO Cross-Border Banking Hotline at least three weeks before your departure.


Credit Card


BMO U.S. Dollar MasterCard

BMO U.S. Dollar MasterCard



  • Pay for U.S. purchases in U.S. dollars
  • US$35 annual fee is rebated when your annual purchases total US$1,000 or more3


U.S. Mortgage



BMO Harris offers:


  • Lending solutions to qualifying customers purchasing residential property in the United States6.
  • Step-by-step help with the U.S. mortgage financing process.
  • A mortgage credit decision based on Canadian credit history.

BMO Travel Insurance



Whether you’re heading south for a short or long stay, find the plan to help you meet your travel insurance needs. Single and Multi-Trip coverage options provide different variations of the following benefits: protecting you if your baggage gets lost, flights are delayed, or you have a medical emergency while you’re away from home. With BMO Travel Insurance you’ll have access to a worldwide network of medical and travel insurance specialists available 24/7, ready to assist you if you need them.

Whether you’re heading south for a short or long stay, find Single and Multi-Trip coverage options to help meet your travel insurance needs.


Subject to Terms and Conditions, including limitations and exclusions contained in the Certificate of Insurance, which is sent to new customers; please refer to the Certificate for further details. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).


Visit bmo.com/travelinsurance

 

Call 1-800-661-9060 Call 1-800-661-9060
BMO Travel Insurance

Tools and Resources


Transfer money between your BMO and BMO Harris accounts

Transfer money between your BMO and BMO Harris accounts


From Canada to the United States

  • Transfer funds from your BMO U.S. Dollar Account to your eligible BMO Harris personal deposit account at no additional cost through BMO Online Banking7.
  • Transfer up to US$25,000 per transaction.
  • Funds will be credited to your eligible BMO Harris personal deposit account within two business days7.
From the United States to Canada

  • Visit a BMO Harris branch to initiate a wire transfer of U.S. dollars from your eligible BMO Harris personal deposit account to your BMO account.
  • The BMO Harris international outgoing wire transfer fee is waived, additional fees will apply8.

BMO Harris Total Look

BMO Harris Total Look


  • A free online tool that gives BMO Harris Online Banking customers a consolidated view of their BMO and BMO Harris accounts.
  • An easy and convenient way to access your accounts whenever you want and wherever you are.

Travel advice from Your Financial Life



Have questions?


Visit our FAQs

Contact us



BMO Cross-Border Banking Hotline


• Speak to a representative at the BMO Harris Customer Contact Center about
your U.S.-related personal and business banking needs

 

• Get assistance making banking arrangements before arriving in the U.S.