BMO Digital Banking 4+

BMO Bank National Association

    • Free



Bank on the go from your iPhone® anywhere, anytime with the BMO Digital Banking app. We’ve updated the design for a cleaner look that’s even more convenient to use! It’s secure¹ and super easy to:
• View account balances and activity
• Sign on even faster using Face ID®
• Access your credit card account alongside your other BMO accounts
• Send money to friends and family with a bank account in the U.S. with Zelle®
• Track your accounts – even if they’re not with us – with BMO Total Look
• Transfer money between your BMO accounts²
• Deposit checks by taking a picture with your iPhone® camera³
• Schedule and manage bill payments
• Turn your debit or ATM card on and off and get real time alerts⁴ – with BMO Card Monitor

Visit to learn more.

¹ Please visit for more details.
² If you make an Internal Transfer on a weekend or holiday, we’ll credit the payment the same day, but we’ll post the payment on the next Business Day.
³ Mobile Deposit is available using the BMO Digital Banking app. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, see the BMO Digital Banking Agreement found at
⁴ Message and data rates may apply. Contact your wireless carrier for details.

Accounts are subject to approval. BMO Bank N.A. Member FDIC

Third party web sites may have privacy and security policies different from BMO. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of websites reached through links from BMO web sites.

Copyright 2023, BMO Financial Corp., All Rights Reserved.

iPhone® and Face ID® are trademarks of Apple Inc., registered in the U.S. and/or other countries.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

What’s New

Version 2715977817.6.66

We're always working to improve your banking experience, this update includes:
• Updating our cutoff time for mobile deposits to 6 p.m. PT/8 p.m. CST
• BMO BillConnect enhancements to permit customers with personal and business accounts to login
• Minor bug fixes
Turn on automatic updates so you always bank with the latest features & enhancements

Ratings and Reviews

4.8 out of 5
76.6K Ratings

76.6K Ratings

Paragon3 ,

Solid App

Reading through some of the recent reviews, have to say that I don’t really understand what people are complaining about and think most of the criticism is a bit harsh & unwarranted. I think people need to just chill. BMO is clearly making progress with their mobile/online redesign and compared to what came before it, this is a significant improvement. The design is modern, information about accounts is presented clearly and navigation is intuitive, and all the various features (Face ID, mobile deposit, bill pay, Total Look, etc.) work just fine. I haven’t really had any problems except for brief login issues really late at night (possibly overnight updates?) which are resolved within the hour and not a big deal. Another minor complaint I have is that some of the functions (e.g. bill pay or debit card controls) display in what appears to be an overlaid browser window rather than directly/natively in the app - the design of those pages is a little clunky and inconsistent with the rest of the app. However, I’m sure BMO’s developers are already aware of that and will improve things in time.

Developer Response ,

Hello there! Thanks for your positive feedback and I have forwarded your suggestions to the development team for their consideration in future updates. -Tanya

Sharchen Norbu ,

Good when it works

I’m one of the many Bank of the West customers who are now BMO customers due to the merger/takeover/whatever. I loved Bank of the West so much that I stayed with them after moving to a place where there are no physical BOW banks. BMO has not done well by comparison. I get that glitches happen when there’s a merger. But the regular crashing of the app and web site, including inability to read FaceID, plus the mediocre customer service, is troubling. Every time the app or website fail, the answer from customer service is to either delete all cookies or get a temporary password and then change the permanent one. I’ve had yo do that 4 times in two weeks. After reading other recent reviews, many of us are having the same problems, yet customer service seems completely in the dark about it. It would be so smart if BMO both kept their cs staff informed of widespread issues AND gave them permission to share with customers that the issue is systemic and being worked on. That would be caring. Instead, today’s cs person suggested I “write down” my password for future 🤣 In essence he treated this customer like a buffoon who had a problem because she didn’t write down her password! Wanna know what’s even more troubling? BMO isn’t posting any response to the numerous bad reviews. What’s up with that?

MaliceInCyberland ,

Very Flakey System

It is so utterly peculiar how every time I sincerely need to look at something on my accounts around 1am cst, the entire system is down. The same thing happened around the globe in Laos which is ~12 hours ahead of America. After lunchtime something happened to me in Luang Prabang, and I was in a real pickle (no pun inten…); it was probably The Most Important Time in my Life that I ever so desperately needed to access my two BMO accounts… and the system was down for maintenance. I have only needed to access my accounts in the middle of the night with serious need just a handful of times… and each time the system was down. In all honesty I’ve accessed my accounts in the middle of the night just fine… however, I’m not exaggerating… the desperate incidences when I really needed access to my accounts after midnight the BMO digital banking system was down for maintenance. There was even a time when I was given early notice from BMO that their digital banking system would be down for THREE DAYS, and I seriously needed access to my accounts one of those days… at least I knew which made things better… not! I can go a month without checking my two BMO accounts… but it’s so weird their system is down for maintenance at the utter most inconvenient times… Quite phenomenally odd and frustrating…

Developer Response ,

Hi there, we appreciate your rating and review. We're sorry to hear of your overall experience with us, as this is not how we want our customers to feel about our services. Please feel free to reach us at 888-340-2265 to further review and possibly help resolve any existing or ongoing issues If you would like. We would be happy to assist – Manny

App Privacy

The developer, BMO Bank National Association, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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