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Getting started

Bank at Home

Smiling young man at a café logging into online banking with his laptop.

Turn your computer, laptop or tablet into your own comfy 24/7* branch. Securely view accounts, pay bills, send money and more using your web browser. Let’s get you set up.

Concerned about your online security? We have you covered with our 100% Electronic Banking Guarantee. We’ll reimburse you for any losses to your Personal Banking account resulting from unauthorized transactions, so you can bank worry-free. Visit our Security Centre to see all the ways we keep your account information safe.

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

How to get started with online banking

If you have a BMO Debit Card or credit card, you can quickly and securely set up online banking.


FAQs for online banking setup

  • I’m now set up, how do I sign in to BMO Online Banking?
    Sign in with your debit or credit card here. In future when you go to bmo.com, the Sign-in button is in the top right corner. Select Online Banking from the drop down menu.
  • I’ve forgotten my online banking password. Now what?
    If you use a BMO Debit Card to sign in to online banking, have an email address on file with us and have created challenge questions, you can reset your password by following these steps:
    1. Click the Forgot your password? link in the password field.
    2. Answer one of your challenge (security) questions.
      • You have three trys to answer the first question correctly. If can’t answer the first question, you have three attempts to answer the second question correctly.
      • If you can’t answer your security questions, we’re happy to help. Please give us a call at 1-888-226-7831.
    1. Once you’ve answered your security question, we’ll email you a temporary password. You’ll be asked to enter your email address, which needs to match the email address on file, so we can make sure it’s really you. You’ll then have four hours to access BMO Online Banking with this temporary password. If your temporary password expires before you use it, don’t worry – just repeat the process above.
    2. After signing in with your temporary password, you’ll be prompted to create a new password.

    If you have trouble with the online reset, we’d be happy to help – please call us at 1-888-226-7831.

  • I entered my temporary password incorrectly during my password reset and my access is suspended. Now what?
    Start the Forgot my password process again to get another temporary password emailed to you. Tip: you may find it easier to copy and paste the temporary password instead of retyping it.
  • How do I change my online banking password?
    To change your password, sign in to BMO Online Banking and follow these steps:
    1. Select My Profile & eDocuments.
    2. Click Change My Password.
  • How do I change my challenge/security questions?
    To review and change your challenge/security questions, sign in to BMO Online Banking and follow these steps:
    1. Select My Profile & eDocuments.
    2. Click Change My Password.

Now that you’ve set up online banking, take the next step

Young man at home paying his bills online on his laptop.

Pay bills

Kiss stamps and bank lines goodbye when you pay your bills online.
Show me how to use online banking
Smiling young couple at home using their laptop to send money online.

Send money

Toss the chequebook and send money via Interac e-Transfer®§.
Show me how to use mobile banking
Smiling young woman signing into mobile banking on her smartphone.

Get started with mobile banking

When you step out the door, bring your bank with you with the BMO Mobile Banking app.
Show me how to get started with Mobile Banking
*Subject to interruptions in telecommunications or online systems or in power supply or any other factor beyond the control of Bank of Montreal.