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Ways to Bank
SECURITY CENTER – HOW WE PROTECT YOU
Your security is our priority. When you bank with us, your identity and account
details are protected by layers of security. Our Financial Crimes Unit works
around the clock to detect, prevent and respond to security threats.
BMOB M O DIGITAL BANKING AND BILL PAY SERVICE GUARANTEES
We’ll reimburse you for any losses to your personal banking accounts from
unauthorized transactions through BMO Digital Banking.
Learn more
SECURITY HOWEVER YOU BANK
Whichever way you bank, count on it being convenient and secure.
* Online banking: Bank knowing that all personal and financial information you
exchange with us over the internet is secure.
* Mobile banking: Protect your mobile device and identity from cyber threats
when using the BMOB M O Digital Banking app.
* ATM banking: Deposit or withdraw at any BMOB M O Harris ATMAutomated teller
machines knowing that if anything goes wrong, we're here to help.
* Telephone banking: Make a transaction safely by phone with authentication
measures and a unique PIN to confirm your identity.
* HOW YOU CAN PROTECT YOURSELF
Learn how to avoid fraud and cyber threats with security tips, trusted
software and more.
Learn more
* REPORT FRAUD
Concerned about suspicious activity on your account? We can help.
Learn more
SETTING THE STANDARD FOR BANK SECURITY
Your security is important to us. That’s why we go above and beyond to protect
you. Our Financial Crimes Unit combines world-class expertise from cyber
security, fraud, physical security and crisis management teams. We work to
detect, prevent, respond to and recover from security threats.
Our security features include:
* Leading-edge security technology, data and analytics tools.
* Operating on a global scale to ensure your safety in different time zones
without delay.
* Managing security threats 24/7/36524 hours a day, seven days a week, 365 days
a year whenever and wherever you bank.
* Strong internal controls like firewalls and email security software.
* Frequent employee training on the best and latest security practices.
PROTECTING YOURSELF FROM CYBERCRIME AND SCAMS
Get more details on how BMOB M O keeps you safe, tips on how to protect your
identity and accounts, and common scams to be aware of. Read our brochures on
cybercrime (PDF 127 KB) and the most common scams (PDF 787 KB).
FAQS
* HOW DOES BMOB M O PROTECT MY ACCOUNT FROM UNAUTHORIZED TRANSACTIONS?
We work hard to protect your confidential information and online privacy. We
take various measures to prevent unauthorized users from accessing our
systems so you can bank with confidence. These include:
* Enhanced authentication for first-time BMOB M O Digital Banking users and
for account changes, such as updating your address or contact information.
* Strong encryption technology to help ensure that data passing between your
computer and our web server is secure.
* Session time-outs after 15 minutes of inactivity.
* Secured firewalls to protect your account information.
Also, all debit card holders gain valuable protection if your debit card is
lost or stolen with the Mastercard® Worldwide Zero Liability*footnote star
protection when reported promptly. To learn more, check out our account
disclosures PDF (PDF, 439 KB).
Remember, BMOB M O will never contact you by unsolicited phone call or in an
email to ask for your user IDI D, password, PIN, social security number or
other account information.
If you believe there’s unusual activity on your account or you have questions
about your electronic transfers or card transactions, contact us immediately.
* HOW SECURE IS ONLINE BANKING WITH BMOB M O?
BMOB M O is committed to providing you with a secure online experience. When
you’re securely logged in to online banking, you’ll notice a "lock" icon and
"https" in the URL.
Our online banking website uses the federal standard of physical, electronic
and procedural safeguards to protect your personal information. We have
several measures in place to prevent unauthorized users from accessing our
systems, including password protection, data encryption, secured firewalls
and session time-outs, among others.
Our website supports internet browsers which use encryption. This encryption
scrambles information for transmission between your computer and the bank's
computing systems, and then decrypts (or decodes) that information upon
receipt at the other end.
To get the most out of your banking experience, we recommend you use the most
current version of one of the browsers listed below:
* Apple Safari®
* Google Chrome™
* Microsoft Edge™
* Mozilla Firefox™
* HOW SECURE ARE BANKING APPS?
The BMOB M O Digital Banking app **footnote star star has multiple security
features designed to protect you:
* All info sent and received through the BMOB M O app is encrypted to avoid
third-party security risks.
* The app doesn’t store any confidential info (or cookies) on your mobile
device.
* Any data sent to your mobile device through the app is free from harmful
software like viruses.
Be sure to download banking apps from a trustworthy app store to avoid
installing fake apps onto your phone.
* WHAT SHOULD I DO IF MY PHONE IS LOST OR STOLEN?
Step 1: Follow the recommended steps of your mobile service provider to
report a lost or stolen phone.
Step 2: Know that your BMOB M O banking information and accounts are secure.
* If you're using the BMOB M O Digital Banking app**footnote star star,
there's no need to contact us or change your Personal ID or Password.
* When you get your new phone, simply download the BMOB M O Digital Banking
app or log in to bmoharris.com to continue using mobile banking.
As always, you'll want to monitor your accounts regularly. If you believe
there’s unusual activity on your account or you have questions about your
electronic transfers or card transactions, contact us immediately.
* WHAT ARE MY RESPONSIBILITIES UNDER THE DIGITAL BANKING GUARANTEE?
To ensure reimbursement under this guarantee, there are a few steps you'll
need to take to protect your account information as outlined in our BMO
Digital Banking Agreement:
* Review your statements and notify us within two days of your discovery of
any unauthorized or late transaction.
* Keep your online codes, passwords and personal information confidential.
If you share this information with someone, any transaction they initiate
will be considered authorized by you.
* Don’t store your password with your account information.
* Don’t leave your computer or mobile device unattended while logged in to
digital banking or while applying for an account online.
You may not be reimbursed for the full amount of the loss if you didn’t
comply with the steps listed above or if you knowingly disclosed your online
password and it resulted in losses to your account.
BMOB M O DIGITAL BANKING AND BILL PAY SERVICE GUARANTEES
We’ll reimburse you for any losses to your personal banking accounts from
unauthorized transactions through BMOB M O Digital Banking. As well, if we fail
to process a properly scheduled bill payment in BMOB M O Digital Banking in
accordance with your instructions, we’ll reimburse any late charges assessed by
the biller.
To ensure reimbursement, you'll need to take a few steps to protect your account
information, as outlined in our BMO Digital Banking Agreement.
* LEGAL
* The BMOB M O Harris Online Guarantee applies to transactions involving
your BMOB M O deposits and BMOB M O loans, including any BMOB M O credit
card or line of credit. If you conduct transactions through affiliated or
unaffiliated websites or involving products or services other than deposit
and loans offered by BMOB M O, such transactions, products and services
are not covered by the Online Guarantee. Certain conditions and
limitations apply. BMOB M O Harris Online Guarantees apply to personal
accounts only and do not apply to commercial or business accounts. For
full details, please visit bmo.com/en-us/legal.
* In addition to the BMOB M O Harris Online Guarantees, Consumer Finance
Protection Bureau Regulation E provides certain protections for consumers
when unauthorized electronic funds transfers occur on an account used
primarily for personal, family, or household purposes. The BMOB M O Harris
Online Guarantees are intended to expand upon the rights and protections
provided for personal accounts under Regulation E. For more details
regarding Regulation E and unauthorized electronic funds transfers for
personal accounts, see Section 5 of the Deposit Account Agreement.
* footnote star details* The Mastercard® Worldwide Zero Liability protection
protects eligible cardholders from certain unauthorized transactions
processed over the MasterCard network. Subject to certain restrictions and
limitations that may be imposed by MasterCard from time to time. For
further information, refer to MasterCard's Zero Liability protection.
* footnote star star details** Message and data rates may apply. Contact
your wireless provider for details. BMOB M O Digital Banking apps are
available for iPhone®, iPad® and Android™ mobile devices only. Download
the app to your mobile device from the Apple® App Store™ or Google Play™.
iPhone® and Apple® are trademarks of Apple Inc., registered in the U.S.
and other countries. App Store™ is a trademark of Apple Inc. Android™ and
Google Play™ are trademarks of Google Inc.
* Safari is a trademark of Apple Inc., registered in the U.S. and/or other
countries.
* Chrome is trademark of Google Inc.
* Microsoft Edge is registered trademark of Microsoft Corporation in the
United States and/or other countries.
* Firefox is a registered trademark of the Mozilla Foundation.
* Third party websites may have privacy and security policies different from
BMO. Links to other websites do not imply the endorsement or approval of
such websites. Please review the privacy and security policies of websites
reached through links from BMOB M O websites.
CONTACT US
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Banking products and services are subject to bank and credit approval. BMO
Harris Bank N.A. Member FDIC.
NMLS 401052
NMLS 401052
NOTICE TO CUSTOMERS
To help the government fight the funding of terrorism and money laundering
activities, federal law (USA Patriot Act (Title III of Pub. L. 107 56 signed
into law October 26, 2001)) requires all financial organizations to obtain,
verify and record information that identifies each person who opens an account.
When you open an account, we will ask for your name, address, date of birth and
other information that will allow us to identify you. We may also ask you to
provide a copy of your driver's license or other identifying documents. For each
business or entity that opens an account, we will ask for your name, address and
other information that will allow us to identify the entity. We may also ask you
to provide a copy of your certificate of incorporation (or similar document) or
other identifying documents. The information you provide in this form may be
used to perform a credit check and verify your identity by using internal
sources and third party vendors. If the requested information is not provided
within 30 calendar days, the account will be subject to closure.
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 web sites reached
through links from BMO web sites.
This information is not intended to be tax or legal advice. This information
cannot be used by any taxpayer for the purpose of avoiding tax penalties that
may be imposed on the taxpayer. This information is being used to support the
promotion or marketing of the planning strategies discussed herein. BMO Harris
Bank N.A. and its affiliates do not provide legal or tax advice to clients. You
should review your particular circumstances with your independent legal and tax
advisors.