Need to log in to Bank of Montreal? Go to bmo.com and click “Sign In” or use the BMO Mobile Banking app. Enter your card number (or Login ID) and password. BMO is one of Canada’s “Big Five” banks with strong mobile app ratings but mixed customer service reviews on third-party platforms.
How to Log In to BMO Online Banking
🖥️ Online Banking
- Go to bmo.com
- Click “Sign In” at top right
- Enter your BMO debit or credit card number
- Or use your Login ID if registered
- Enter your password
📱 BMO Mobile App
- Download “BMO Mobile Banking” app
- Available on Google Play and App Store
- 4.6-4.7 stars on app stores
- Face ID and Touch ID supported
- Mobile check deposit available
🏦 In-Branch
- Visit any BMO branch in Canada or US
- Over 900 branches across North America
- Bring valid photo ID
- Staff can help with online banking setup
- Full-service banking available
Digital Banking Features
Account Management
- View balances – All accounts and cards in one place
- Transfer funds – Between BMO accounts and external banks
- Pay bills – Schedule one-time or recurring payments
- e-Transfers – Send money using email or phone
- Mobile deposit – Deposit checks with your phone camera
2026 App Updates
- Network detection – Prevents session issues during connection loss
- Biometric fix – Face ID/Touch ID no longer resets on network loss
- Balance updates – Fixed refresh issues
- Black screen fix – Resolved app opening issues
- Security updates – Mandatory security improvements
What Customers Are Saying
BMO has strong mobile app ratings (4.6-4.7 stars) but receives more critical feedback on consumer review platforms. Trustpilot shows only 1.4 stars from 1,000+ reviews, and ComplaintsBoard reports an average of 2 stars.
Common Complaints
- Credit limit cuts – Reports of limits reduced from $43,000 to $1,300 without notice or explanation
- Mobile deposit delays – Some users report 7 business days for check deposits (vs 1-2 days at other banks)
- Promotional issues – Customers report being denied sign-up bonuses despite meeting requirements
- Collection calls – Reports of 3-9 calls per day even after making payment arrangements
- Credit reporting errors – Incorrect missed payment reports affecting credit scores
If You Have a Complaint
- Contact your branch or call 1-877-225-5266
- If unresolved in 14 days, it escalates to a senior officer
- Request Customer Complaint Appeal Office (CCAO) review
- If still unresolved, contact OBSI (Ombudsman for Banking)
- OBSI is free, independent, and confidential
About Bank of Montreal
Bank of Montreal (BMO) is one of Canada’s “Big Five” banks, founded in 1817. It’s the oldest bank in Canada and operates in both Canada and the United States (as BMO Bank N.A., formerly BMO Harris Bank).
📊 Key Facts: Founded 1817 (Canada’s oldest bank) • One of Canada’s “Big Five” banks • Over 900 branches in North America • Operates in US as BMO Bank N.A. • Listed on TSX (BMO) and NYSE • Acquired Bank of the West (2023) expanding US presence.
Contact BMO
📞 Canada: 1-877-225-5266
📞 USA: 1-888-340-2265
🏦 Headquarters: Montreal, Quebec, Canada
Related Canadian Bank Guides
- Royal Bank of Canada (RBC) – Canada’s largest bank
- TD Bank – Major North American bank
- Scotiabank – International presence
- CIBC – Fifth-largest Canadian bank
- National Bank of Canada – Quebec-based major bank
Frequently Asked Questions
How do I log in to BMO online banking?
Go to bmo.com and click ‘Sign In’. Enter your BMO debit or credit card number (or Login ID if registered) and your password. You can also use the BMO Mobile Banking app with the same credentials.
What is BMO’s customer service phone number?
Call 1-877-225-5266 for BMO Canada or 1-888-340-2265 for BMO USA. Phone support is available 24/7 for most services.
Does BMO have a mobile app?
Yes, BMO Mobile Banking is available on iOS (4.6 stars) and Android (4.7 stars). The app supports Face ID, Touch ID, mobile check deposit, bill pay, and e-Transfers.
What is BMO’s Big Five status?
BMO is one of Canada’s ‘Big Five’ banks u2013 the five largest banks that dominate Canadian banking: RBC, TD, Scotiabank, BMO, and CIBC. BMO is the oldest, founded in 1817.
How do I register for BMO online banking?
Visit bmo.com/onlinebanking to register for BMO Online Banking. You’ll need your BMO debit or credit card number. Once registered, you can use the same credentials for the mobile app.
Why is my BMO app not working?
Common issues include network problems, outdated app versions, and biometric login resets. Try updating the app, checking your internet connection, or reinstalling. Contact 1-877-225-5266 if problems persist.
How long do BMO mobile deposits take?
BMO mobile check deposits can take up to 7 business days to clear, though some deposits may be faster. This is longer than some competitors that process within 1-2 days.
How do I file a complaint with BMO?
First contact your branch or call 1-877-225-5266. If unresolved within 14 days, it escalates automatically. You can also request a Customer Complaint Appeal Office review. For external help, contact OBSI (Ombudsman for Banking Services).
Does BMO operate in the United States?
Yes, BMO operates in the US as BMO Bank N.A. (formerly BMO Harris Bank). In 2023, BMO acquired Bank of the West, significantly expanding its US presence.
Can I use Face ID or Touch ID with BMO?
Yes, the BMO Mobile Banking app supports Face ID and Touch ID for secure, quick login. A 2026 update fixed issues where biometric login would reset during network loss.
Summary
Bank of Montreal (BMO) is one of Canada’s “Big Five” banks and the country’s oldest bank (founded 1817). To log in, visit bmo.com and enter your card number or Login ID with your password. The mobile app has strong ratings (4.6-4.7 stars) with Face ID/Touch ID support. Customer reviews on third-party platforms are more critical, with complaints about credit limit changes without notice and mobile deposit delays. For support, call 1-877-225-5266 (Canada) or 1-888-340-2265 (USA).
Last Updated on January 4, 2026
URL: https://log-in.me/bankofmontreal-montreal-canada/