Do I need a U.S. address to open an account with BMO U.S.?
No, you can use your Canadian address.
Can I view my BMO U.S. and BMO Canada accounts together online?
Yes, with BMO Total Look, available through BMO Digital Banking.
Can I access my BMO accounts at BMO branches or ATMs in the United States?
You can access your BMO Canadian dollar accounts to withdraw U.S. cash at BMO ATMs9. You cannot access BMO U.S. Dollar Accounts at BMO ATMs. BMO accounts cannot be accessed through BMO U.S. Bank branches.
How can I transfer funds from my BMO Canada account to my BMO U.S. accounts?
You can transfer funds anytime at no additional charge from your BMO U.S. dollar account to your eligible BMO U.S. personal deposit account wherever you have access to BMO Online Banking. You can also send a wire transfer from a BMO branch, wire transfer fees may apply.
How can I transfer funds from my BMO U.S. account to my BMO Canada accounts?
You can transfer funds from your eligible BMO U.S. personal deposit account to your BMO Canada account through a wire transfer from a BMO branch.
The BMO international outgoing wire transfer fee is waived. Additional wire transfer fees will apply8.
Can I deposit a Canadian dollar cheque into my BMO U.S. account while I’m in the United States?
Yes. You can visit your local BMO Bank branch and make the deposit in-person. Foreign currency exchange rates will apply.
Can I download the BMO Digital Banking App even if I’m in Canada10?
Yes, available through the U.S. App Store‡‡ and Google Play™*# store. Please contact your hardware provider if you have any questions about accessing the U.S. App Store or Google Play store.
Can I use the BMO Digital Banking App to make a deposit to my BMO U.S. account10.11?
Yes, you can deposit a U.S. dollar cheque drawn on a U.S. financial institution.
How can I pay my U.S. bills?
You can pay U.S. bills from U.S. companies and financial institutions using BMO Bill Pay, available through BMO Digital Banking and the BMO Digital Banking App10.12.
Can I get a debit card for my BMO U.S. account?
Yes, when you open an eligible BMO U.S. account, request one from your BMO Banker and indicate which address you want it mailed to.
Is there a fee if I use a BMO Canada Debit Card to withdraw U.S. cash at BMO ATMs?
As a courtesy to BMO customers, BMO does not charge its ATM surcharge fee when you withdraw cash at any BMO ATM9. Foreign currency transaction fees will apply9.
Can I apply for a mortgage in the United States?
Yes. BMO U.S. can provide lending solutions to qualifying customers6 who are looking to purchase residential property in the United States. You may refer to a Gateway Mortgage Banker at a BMO branch or to the BMO Cross-Border Banking Hotline.
How can I pay my BMO U.S. Dollar MasterCard while I am in the United States?
Here are some payment options:
- Pre-Authorized Payment – Call the BMO Customer Contact Centre at 1-800-263-2263 to set up automatic payments to your BMO U.S. Dollar MasterCard from your BMO U.S. Dollar Account.
- BMO Online, Mobile, or Tablet Banking - Open a BMO U.S. Dollar Account and simply log on and select the Transfer option to transfer funds from your BMO U.S. Dollar Account to your BMO U.S. Dollar MasterCard.
- Regular Mail – Mail your payment to BMO Bank of Montreal at the address indicated on your statement. Please allow for sufficient time to have your payment received and processed on, or before, the due date.
You are not able to pay your BMO U.S. Dollar MasterCard from your BMO U.S. account either online or in person at a BMO Bank Branch.
How can I pay for fuel with my BMO debit or credit card on a terminal that wants a zip code?
Use the three numbers from your postal code and ADD two zeroes at the end when prompted for a five-digit zip code at the pump. For example, if your postal code is M1A 2B3, the five-digit number you enter is 12300.
I’m a BMO customer in Canada. Can I apply for a BMO U.S. credit card?
Yes! BMO U.S. personal credit cards come with great benefits and rewards and are available to our Canadian customers.
If you’re a BMO customer in Canada interested in a BMO U.S. credit card, please call 1-888-214-6720, or visit any U.S. branch to apply or get more information. Certain eligibility requirements apply.