Canadian summers. American winters.
It all comes together at BMO.
Why Snowbirds bank with BMO
Canadians who spend winters in the U.S. may need to bank north and south of the border. We can help.We help you bank on both sides of the border
Your BMO Wealth Professional and our integrated North American team can help you:

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Enjoy free, unlimited U.S. cash withdrawals
with a 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 U.S.1,2
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Access over 570 BMO Harris branches and 1,400 BMO Harris ATMs
in the U.S. including Florida and Arizona
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Pay U.S. bills
from your U.S. BMO Harris account to avoid foreign exchange fees
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Shop in U.S. dollars with a U.S. credit card3without worrying about foreign exchange rates or paying foreign transaction fees4
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Transfer funds
from your Canadian U.S. dollar account to your U.S. account using BMO Online Banking
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View your Canadian and U.S. accounts in one place
with BMO Harris Total Look®
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Purchase your dream vacation home
with a mortgage from BMO Harris
Cross-border banking for Snowbirds
Day-to-day banking on both sides of the border


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.1,2.

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.
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Find out more about opening a BMO Harris personal chequing account
To open a BMO Harris personal chequing account, first talk to your BMO Wealth Professional.
Your BMO Wealth Professional can help you select the right account and help you get started setting up the account.

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®
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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.
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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:
- Log into BMO Harris Online Banking and click the Payments tab.
- Click the Add Biller link
- Enter the Biller Name and click Continue.
- Input the requested biller information – U.S. company name, a U.S. address for the biller and account number if applicable.
- Follow the prompts to confirm the biller information and complete the set up.
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How to pay bills
It’s easy to pay your U.S. bills once they are set up as a biller, simply:
- Select either Pay One Bill or Pay Many Bills.
- Enter the Payment Amount and enter the date or use the calendar to select the due date.
- Click Confirm all payments or Pay this bill.
- Click Confirm payment and Close.
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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:
- Log into BMO Harris Online Banking and click the Payments tab.
- Click Sign up! next to your bill with an e-bill icon (e).
- Enter the e-bill information requested and click Continue.
- 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®.
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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:
- Sign in to BMO Harris Online Banking.
- Have all of the account information at hand for the accounts you want to view together including bank accounts, credit cards, mortgages, etc.
- Click on Total Look tab on top menu bar. Your BMO Harris bank account information should automatically be included in Total Look.
- Click on Link an Account on the upper right hand of screen below top menu bar.
- 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.
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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®3 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.
Why choose BMO
Here are a few ways we can help you enjoy your cross-border lifestyle.
from your BMO Wealth Professional.
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.1,2
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.
with a wide variety of BMO Harris Bank Mastercard® credit cards.
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.