Banking that’s on your side, north and south of the border.

BMO makes banking easy north and south of the border. Whether you’re a frequent visitor to the United States or enjoy extended stays, we offer Canadians products and services that make cross-border banking seamless. Live, vacation, shop or study in the United States and have your financial needs met.

Banking



BMO® U.S. Dollar Account


  • Ideal for frequent travellers to the United States
  • Choose between a chequing and savings account
  • Open at no extra cost under your existing BMO Everyday Bank Plan2
  • Easily transfer funds to and from your BMO Canadian dollar account
  • Use your account to pay your BMO U.S. Dollar MasterCard®* card

Learn more


BMO U.S. Personal Checking Account4


  • Meets your everyday U.S.-based banking needs, like making deposits, writing cheques, accessing cash, and paying bills.
  • Sign up for BMO Digital Banking to stay up-to-date on account activity, including viewing online statements and cheque images.
  • Access to BMO Bill Pay to automatically receive and pay U.S. bills even when you’re away from home5
  • Get a BMO Debit MasterCard card with chip capabilities and no transaction fees at BMO ATMs.

Learn more

Two easy ways to open a BMO U.S. account


  1. Call the BMO Cross-Border Banking Hotline from Canada or the United States at 1-888-214-6720.
  2. Visit one of the over 600 BMO branches in the United States.

Tip: To open a BMO U.S. personal deposit account before arriving in the United States, call the BMO Cross-Border Banking Hotline at least three weeks before your departure.

BMO Credit Card

BMO U.S. Dollar MasterCard

BMO U.S. Dollar MasterCard



  • Pay for U.S. purchases in U.S. dollars
  • US$49 annual fee is rebated when your annual purchases total US$3,000 or more3

Learn more

U.S. Mortgage



BMO offers:


  • Lending solutions to qualifying customers purchasing residential property in the United States6.
  • Step-by-step help with the U.S. mortgage financing process.
  • A mortgage credit decision based on Canadian credit history.

Learn more

BMO Travel Insurance



Whether you’re heading south for a short or long stay, find the plan to help you meet your travel insurance needs. Single and Multi-Trip coverage options provide different variations of the following benefits: protecting you if your baggage gets lost, flights are delayed, or you have a medical emergency while you’re away from home. With BMO Travel Insurance you’ll have access to a worldwide network of medical and travel insurance specialists available 24/7, ready to assist you if you need them.

Whether you’re heading south for a short or long stay, find Single and Multi-Trip coverage options to help meet your travel insurance needs.


Subject to Terms and Conditions, including limitations and exclusions contained in the Certificate of Insurance, which is sent to new customers; please refer to the Certificate for further details. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).


Visit bmo.com/travelinsurance

 

 Call 1-800-661-9060 Call 1-800-661-9060

BMO U.S. Credit Card Options


  • Frequently visit the United States? Explore BMO U.S. Credit Card Options to find the right credit card for you. Learn more

    •  
  • Interested in a BMO Credit Card - call 1-888-214-6720 to apply. Certain eligibility requirements apply.


Tools and Resources

Transfer money between your BMO Canada
and BMO U.S. accounts

BMO Total Look

Transfer money between your BMO Canada and BMO U.S. accounts

Transfer money between your BMO Canada and BMO U.S. accounts


From Canada to the United States


  • Transfer funds from your BMO U.S. Dollar Account to your eligible BMO U.S. personal deposit account at no additional cost through BMO Online Banking7.
  • Transfer up to US$25,000 per transaction.
  • Funds will be credited to your eligible BMO U.S. personal deposit account within two business days7.

From the United States to Canada


  • Visit a BMO branch to initiate a wire transfer of U.S. dollars from your eligible BMO U.S. personal deposit account to your BMO Canada account.
  • The BMO international outgoing wire transfer fee is waived, additional fees will apply8.

BMO Total Look


  • A free online tool that gives BMO Digital Banking customers a consolidated view of their BMO and BMO U.S. accounts.
  • An easy and convenient way to access your accounts whenever you want and wherever you are.

Learn more

Have questions?


Visit our FAQs

Contact us



BMO Cross-Border Banking Hotline


• Speak to a representative at the BMO U.S. Customer Contact Center about
your U.S.-related personal and business banking needs

 

• Get assistance making banking arrangements before arriving in the U.S.