BMO Digital Banking 4+

After discovering BMO’s extra security features, I refuse to bank anywhere else!

BMO Bank has a security feature that requires you to provide an automated phone system password and also a live representative password. Even if your personal information has been compromised by someone, they will need either the automated phone password or live representative password before they can obtain any banking information.

If anyone tries to skip the required automated phone password entry, they will be immediately transferred to a live phone rep., who will ask for the live phone rep password.
When I first opened my BMO bank account, I was sold and also relieved because my old bank, US Bank, does not have this security feature. 😉👍🏾

Developer Response ,

Hi there, thanks for the love! We appreciate the feedback and are very happy to hear that you are enjoying our BMO Digital Banking experience. – Manny

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?

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