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How we protect you

Your security is our priority. That’s why we work hard to bring you the fast, convenient personal and business banking experiences you’ve come to expect, while applying advanced security measures to protect your financial details.

100% Security Guarantee

We will reimburse you 100% for any losses to your personal bank accounts from unauthorized transactions, as outlined in our Electronic Banking Services Agreement.

Security however you bank

Be confident that your private details are protected across all of our banking platforms.

  • Online banking Bank online knowing that all info you exchange with us over the internet is secure.
  • Mobile banking Protect your mobile device and identity from scammers while banking through the BMO mobile app.
  • ATM banking Deposit or withdraw at BMO ATM with the confidence that if anything goes wrong, we're here to help.
  • Telephone banking Make a transaction safely by phone with voice recognition and a unique PIN to confirm your identity.

Setting the standard for bank security

Your security is important to us. That’s why we go above and beyond to protect you. Our Financial Crimes Unit (FCU) is a security operations team that’s the first of its kind in Canada. 

Founded in 2019, the FCU combines world-class expertise from our cyber security, fraud, physical security, and crisis management teams to detect, prevent, respond to and recover from security threats.

Our security features include:

  • Leading-edge security technology, data and analytics tools.
  • Operating on a global scale to ensure your safety in different time zones without delay.
  • Managing security threats whenever and wherever you bank.
  • Strong internal controls like firewalls and email security software.
  • Frequent employee training on the best and latest security practices.

Free security software for your devices

Add an extra layer of safety to your account by installing security software from our trusted tech partners at no cost to you.

  • IBM®Trusteer Rapport® to secure your desktop browser.
  • OnGuard® to protect your identity online.
  • Verified.Me™ to confirm your identity when you sign up for new services.
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  • How you can protect yourself

    Learn how to avoid fraud and cyber threats.

  • Find the top 10 security tips for your online banking safety.

  • Get info about types of scams and phishing do’s and don’ts.

  • Concerned about suspicious activity on your account? We can help.

Frequently Asked Questions

100% Security Guarantee

We will reimburse you 100% for any losses to your personal bank accounts from unauthorized transactions, as outlined in our BMO's Electronic Banking Services Agreement