Security Center – how we protect you
Your security is our priority. When you bank with us, your identity and account details are protected by layers of security. Our Financial Crimes Unit works around the clock to detect, prevent and respond to security threats.
B M O Digital Banking and Bill Pay Service Guarantees
We’ll reimburse you for any losses to your personal banking accounts from unauthorized transactions through BMO Digital Banking.
Learn moreProtecting yourself from cybercrime and scams
Security however you bank
Whichever way you bank, count on it being convenient and secure.
Online banking: Bank knowing that all personal and financial information you exchange with us over the internet is secure.
Mobile banking: Protect your mobile device and identity from cyber threats when using the B M O Digital Banking app.
ATM banking: Deposit or withdraw at any B M O Automated teller machines knowing that if anything goes wrong, we're here to help.
Telephone banking: Make a transaction safely by phone with authentication measures and a unique PIN to confirm your identity.
How you can protect yourself
Learn how to avoid fraud and cyber threats with security tips, trusted software and more.
Setting the standard for bank security
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 24 hours a day, seven days a week, 365 days a year whenever and wherever you bank.
Strong internal controls like firewalls and email security software.
Frequent employee training on the best and latest security practices.
FAQs
B M O Digital Banking and Bill Pay Service Guarantees
We’ll reimburse you for any losses to your personal banking accounts from unauthorized transactions through B M O Digital Banking. As well, if we fail to process a properly scheduled bill payment in B M O Digital Banking in accordance with your instructions, we’ll reimburse any late charges assessed by the biller.
To ensure reimbursement, you'll need to take a few steps to protect your account information, as outlined in our BMO Digital Banking Agreement.
- The Digital Banking Guarantees applies to transactions involving your B M O deposits and B M O loans, including any B M O credit card or line of credit. If you conduct transactions through affiliated or unaffiliated websites or involving products or services other than deposit and loans offered by B M O, such transactions, products and services are not covered by the Online Guarantee. Certain conditions and limitations apply. Digital Banking Guarantees apply to personal accounts only and do not apply to commercial or business accounts. For full details, please visit bmo.com/en-us/legal.
- In addition to the Digital Banking Guarantees, Consumer Finance Protection Bureau Regulation E provides certain protections for consumers when unauthorized electronic funds transfers occur on an account used primarily for personal, family, or household purposes. The Digital Banking Guarantees are intended to expand upon the rights and protections provided for personal accounts under Regulation E. For more details regarding Regulation E and unauthorized electronic funds transfers for personal accounts, see Section 5 of the Deposit Account Agreement.
- footnote star details The Mastercard® Worldwide Zero Liability protection protects eligible cardholders from certain unauthorized transactions processed over the MasterCard network. Subject to certain restrictions and limitations that may be imposed by MasterCard from time to time. For further information, refer to MasterCard's Zero Liability protection.
- footnote star star details Message and data rates may apply. Contact your wireless provider for details. B M O Digital Banking apps are available for iPhone®, iPad® and Android™ mobile devices only. Download the app to your mobile device from the Apple® App Store™ or Google Play™. iPhone® and Apple® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store™ is a trademark of Apple Inc. Android™ and Google Play™ are trademarks of Google Inc.
- Safari is a trademark of Apple Inc., registered in the U.S. and/or other countries.
- Chrome is trademark of Google Inc.
- Microsoft Edge is registered trademark of Microsoft Corporation in the United States and/or other countries.
- Firefox is a registered trademark of the Mozilla Foundation.
- Third party websites may have privacy and security policies different from BMO. Links to other websites do not imply the endorsement or approval of such websites. Please review the privacy and security policies of websites reached through links from B M O websites.