Online Banking: Quick & Easy Account Access (2024)

With BMO Digital Banking, it's easy to do your banking online, anywhere, anytime. Despite how much life has changed recently, you can still safely and easily manage your banking online or on your mobile device ^{footnote 11}. All you need to do is sign up for BMO Digital Banking to get started.

• An External Transfer is a transfer of money between your BMO Personal or Business checking, or money market account and an eligible External Account at another U.S. financial institution. External Transfers will also allow you to transfer funds from an External Account to an eligible BMO mortgage, line of credit or other Personal or Business loan account that you have with us. External Transfers are not currently available for BMO savings accounts.

• You can make an External Transfer if:

  1. You are 18 years of age or older
  2. You have a street address on file (P.O. Boxes are not eligible)
  3. You have a BMO Personal or Business checking, savings or money market Account or an eligible BMO mortgage, line of credit or other Personal or Business loan Account
  4. You have an eligible External Account at another U.S. financial institution.

• No. We do not charge a fee to make an External Transfer. However, fees may apply if an External Transfer overdraws your Account. You should also check with the financial institution where you have your External Account to see what fees and charges it may charge you.

• Zelle® is a fast and easy way to send and receive money and split the cost of expenses with almost anyone who has a bank account in the U.S. ^{footnote 44}You can enroll to start sending and receiving money with just an email address or U.S. mobile phone number.

  Zelle^®is super convenient, but it’s a good idea to only use it with people you know and trust.

• Zelle^®is a great way to send and receive money and/ or split the cost of expenses with people you know. Pay your babysitter from your smartphone rather than heading to an ATM, split the cost of a restaurant bill between friends, and receive money you’re owed from a family member.

  We don’t recommend using Zelle^®to send money to a person you haven’t met before or if you aren’t sure you’ll get what you paid for (like if you’re buying something from an online bidding site).

  Neither BMO nor Zelle^®offers a protection program for any authorized payments you make using Zelle^®.

• Your mobile deposit limits are based on the type of accounts you have. You can find your weekly total combined deposit limit for all your accounts when you access the “Deposit a Check” feature on the mobile app, then select “To Account” and click the info iconin the deposit amount field displayed on the application screen.

• Eligible Accounts include BMO personal or small business checking or money market checking accounts.

• We do not charge a fee to make a standard Bill Payment. We do charge a fee for Expedited Payments. The fee will be disclosed to you at the time you set up the Expedited Payment. The amount of the fee will vary by whether the Expedited Payment is made by ACH payment or by overnight mail. In addition, fees may apply if a Bill Payment overdraws your Account.

• To accessTotal Look, log in to BMO Digital Banking, selectTotal Look, thenGet Started, That’s it! You are now ready to start adding your accounts and using Total Look.

• It’s easy to add accounts in Total Look. Simply selectTotal Look, then selectLink Accountand either enter the account you wish to add or select from a list of popular accounts. Enter your online login information for the account being added and selectLink Account. Then, simply selectContinueand you’re all set! The account will instantly appear within Total Look. When adding non-BMO accounts, the data that displays in Total Look is provided by third parties and is read only.

• FundsNow gives you immediate access to the funds from an eligible check if you’re depositing on a Business Day before 8 p.m. Central Time (CT). You’ll be given the option to choose FundsNow when you’re using Mobile Deposit if your check and account are eligible.

  Checks deposited after 8 p.m. CT or on a non-Business Day will be immediately available for cash withdrawal or debit card purchases; however, those funds will not be available to complete certain transactions such as covering overdrafts and paying checks until the next Business Day.

  Explore the frequently asked questions (FAQs) in Spanish.
  

• Yes, the fee for FundsNow is 2% of the deposit amount for checks $100 and over, or $1 for checks of $99.99 or less.

• Not all checks are eligible to receive the FundsNow service. If you don’t see the FundsNow option when depositing a check using the BMO Digital Banking app, that means that either your check is ineligible or the account you’re depositing into is ineligible. Checks of less than $20 are never eligible for FundsNow.

• If you have more questions, you can view all FAQs.