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Canadian ambition. U.S. opportunity.

Get in touch with your BMO Wealth Professional Your BMO Wealth Professional is your key contact at BMO Private Banking or BMO Nesbitt Burns. If you don’t have a BMO Wealth Professional or if you need a reminder, let us contact you. today for more information, or let us contact you.

Why Canadians who live and work in the U.S. bank with BMO

Moving to the U.S. for work can be a huge opportunity but it also requires planning and preparation – especially when it comes to your financial life. Your BMO Wealth Professional can help you manage your finances when opportunity knocks on the other side of the border.

Take care of your banking needs on both sides of the border

Your BMO Wealth Professional and our integrated North American team can help you:

Cross-border banking for Canadians who live and work in the U.S.

BMO helps you take care of your U.S. financial needs

provided by BMO Bank of Montreal
provided by BMO Harris
Shop in U.S. dollars, take care of your day-to-day banking needs or purchase property in the U.S.

BMO Harris Premier™

Get rewarded with special customer benefits
  • $30 waivable monthly maintenance fee2
  • $25 monthly rebates on ATM surcharge fees from other banks
  • Overdraft protection available
  • Free, unlimited withdrawals at over 40,000 U.S. ATMs3,4

BMO Wealth Management Premium Rewards Mastercard®5

Shop in U.S. dollars and don’t pay foreign transaction fees6
  • Earn points that can be used for rewards including travel, merchandise, gift cards or statement credits7
  • $175 annual fee waived for first year6
  • Enjoy an introductory bonus of 55,000 points when you spend $5,000 in the first 3 months of account opening8

BMO Harris Mortgages

Purchase a new home in the U.S.
  • Choose between a fixed or adjustable rate mortgage
  • Use your Canadian credit history to apply if you don’t have a U.S. credit history
  • Work with one of our BMO Private Bank Mortgage Bankers who are specially trained to help Canadians obtain a U.S. mortgage

How we help you take care of your U.S. banking needs.

Withdraw U.S. cash when you’re in the U.S.

How we help:
  • Save in U.S. dollars in your BMO U.S. Dollar Account before you travel to the U.S.
  • Transfer funds to your BMO Harris personal chequing account
  • Withdraw funds at over 40,000 ATMs throughout the U.S.3,4
Find out more about the BMO U.S. Dollar Account and BMO Harris personal chequing accounts

Deposit U.S. cheques

How we help:
  • Conveniently deposit cheques drawn on a U.S. bank into your BMO Harris personal chequing account at a BMO Harris branch or ATM that accepts deposits, or with Remote Deposit Capture9 when you download the BMO Harris Mobile Banking® App10.

Pay U.S. bills remotely

How we help:
  • Manage your U.S. bills by setting up BMO Harris Bill Pay®11 so you can easily receive and pay your bills in U.S. dollars online.

    Find out more about BMO Harris Online Banking® and BMO Harris Bill Pay®
  • How to sign up for BMO Harris Online Banking

    Your BMO Wealth Professional can help you sign up for online banking. Note that if you don’t have a U.S. Social Security Number (SSN), sign-up needs to take place over the phone. Your Wealth Professional can set you up with the right person to contact.

  • How to add a biller

    You can set up almost any U.S. company or individual as a Biller and pay them from BMO Harris Bill Pay.

    It's easy:

    1. Log into BMO Harris Online Banking and click the Payments tab
    2. Click the Add Biller link
    3. Enter the Biller Name and click Continue
    4. Input the requested biller information – U.S. company name, a U.S. address for the biller and account number if applicable
    5. Follow the prompts to confirm the biller information and complete the set up
  • How to pay bills

    It’s easy to pay your U.S. bills once they are set up as a biller, simply:

    1. Select either Pay One Bill or Pay Many Bills
    2. Enter the Payment Amount and enter the date or use the calendar to select the due date
    3. Click Confirm all payments or Pay this bill
    4. Click Confirm payment and Close
  • How to set up e-bills

    Setting up e-bills can simplify the way you manage payments. An e-bill is your account bill delivered electronically right to your online banking bill-pay service. To set up e-bills:

    1. Log into BMO Harris Online Banking and click the Payments tab
    2. Click Sign up! next to your bill with an e-bill icon (e)
    3. Enter the e-bill information requested and click Continue
    4. Click Confirm and then Close to complete your request

    It may take one or two billing cycles before you receive your first e-bill. Continue to monitor your payments for the biller until you receive your first e-bill to ensure your bills continue to get paid.

View your Canadian and U.S. accounts in one place

How we help:
  • View your U.S. and Canadian BMO accounts together in one place with BMO Harris Total Look®.
  • Find out more about BMO Harris Total Look

    To set up BMO Harris Total Look so you can look at your BMO Harris and BMO account information together, you first need to sign up for BMO Harris Online Banking and BMO Online Banking. Once you do:

    1. Sign in to BMO Harris Online Banking
    2. Have all of the account information at hand for the accounts you want to view together including bank accounts, credit cards, mortgages, etc.
    3. Click on Total Look tab on top menu bar. Your BMO Harris bank account information should automatically be included in Total Look
    4. Click on Link an Account on the upper right hand of screen below top menu bar
    5. Follow prompts and add account information for your accounts. You will need to enter your BMO Online Banking login information to link a BMO account.

Transfer U.S. funds from Canada to the U.S. online

How we help:
  • Save in U.S. dollars in your BMO U.S. Dollar Account before you travel to the U.S.
  • Transfer your USD from your BMO U.S. Dollar Account to your BMO Harris chequing account for free through BMO Online Banking (as long as you have an eligible BMO Harris personal deposit account) or send a wire transfer from a BMO branch (though wire transfer fees may apply)

Talk to your BMO Wealth Professional today for more information.

Transfer U.S. funds from U.S. to Canada

How we help:
  • Make wire transfers by phone after you set up a one-time Wire Transfer Agreement at a BMO Harris branch or via mail. The BMO Harris international wire transfer fee will be waived.
  • Use BMO Canada Wire, a quick, cost effective way for Canadian Wealth Management clients to request a transfer from their BMO Harris deposit account to their Canadian BMO U.S. Dollar Account through BMO Harris Online Banking.
  • Find out more about transferring funds from U.S. to Canada.

    As a BMO Private Banking or BMO Nesbitt Burns client, you can transfer funds at no additional charge through BMO Canada Wire – a tab that you’ll find in BMO Harris Online Banking. Your Wealth Professional can change your profile to enable the cross-border transfer option.

    Once your profile has been updated, you’ll find the BMO Canada Wire option under the Transfer tab.

    Another way to transfer funds is to set up a Wire Transfer Agreement at a BMO Harris branch or through the mail. Once the agreement is set up, you’ll be able to transfer funds from the U.S. to Canada by phone.

Shop with U.S. dollars and choose the rewards you want

How we help:
  • Choose from a wide range of BMO Harris Mastercard®5 credit cards with a variety of rewards7.
  • Or, select the Canadian-issued BMO U.S. Dollar Mastercard®. The $35 annual fee is waived when you make $1,000 U.S. worth of purchases or more annually.
Find out more about shopping with U.S. dollars and about our credit card options

Why choose BMO

Here are a few ways we can help you enjoy your cross-border lifestyle.

Get an extra level of cross-border support

from your BMO Wealth Professional.

Make free, unlimited withdrawals

with a Canadian BMO Private Banking or U.S. BMO Harris debit card from the largest ATM network in the U.S. with over 40,000 Allpoint® Network ATMs throughout the country.3,4

Meet your day-to-day banking needs

wherever and whenever you want with online or mobile10 banking, and over 570 BMO Harris branches and 1,400 BMO Harris ATMs in eight States including Florida and Arizona.

Earn BMO Harris RewardsSM5,7

with a wide variety of BMO Harris Bank Mastercard® credit cards.

Get a U.S. mortgage

with the help of a mortgage banker specially trained in cross-border mortgages.

Want to find out more about cross-border banking?

Get in touch with your BMO Wealth Professional or let us contact you.