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Personal
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Search boxCancel
Country Selector
CAYou're on B M O Canada website
Canada
US
China
Language Selector

ENEnglish
 * English
 * Français

 * Bank Accounts
    * Bank Accounts Overview
    * Chequing Accounts
      * All chequing accountsExplore your options
      * Plus ChequingFlexible, budget-friendly
      * Performance ChequingMost popular
      * Practical ChequingLowest fee
      * Premium ChequingMost benefits
      * AIR MILES ChequingFor the rewards collector
    * Savings Accounts
      * All savings accountsExplore your options
      * Premium Rate SavingsFlexible and convenient
      * Savings AmplifierHigh interest rate
      * U.S. Dollar Premium Rate SavingsEarn interest on U.S. dollars
      * Savings BuilderBonus interest
    * Banking For
      * StudentsOffers, bonuses and more
      * NewcomersBanking options for newcomers
      * Kids and TeensBank accounts for youth under 19
      * Canadian Defence CommunityBanking options for eligible members
      * Family BundleBenefits for the entire family
      * Indigenous BankingPersonalized support, offers and more
      * SeniorsOver 60? We’ve got you covered
    * Special Offers
    * BMO Digital Banking
   
   Resources
    * Compare chequing accountsEasily compare your options
    * Help me chooseAnswer a few short questions
    * Banking fees and agreementsAccess more details about your bank plan
    * Book an appointmentConnect with us in person

 * Credit Cards
    * Credit Cards Overview
    * Card Types
      * Cash BackEarn cash on all purchases
      * Low Interest RateLow fees, low interest
      * RewardsEarn rewards on every dollar
      * TravelEarn points on travel
      * AIR MILESFor travel, merchandise & more
      * VisaEnjoy exclusive perks and rewards
      * No FeeKeep your costs low
      * All cardsExplore your options
    * Specialty Cards
      * StudentsEnjoy no annual fee
      * AffinityCards that support your cause
      * New to CanadaBuild your credit history
      * Pre-paidA reloadable, secure Mastercard
      * BusinessEarn rewards, AIR MILES, and more
    * Digital Wallet & Tools
      * BMO PowerSwitchTransfer your pre-authorized payments
      * Google PayPay securely using Google Pay
      * BMO PaySmartPay your credit card off in interest-free instalments
      * Click to PaySafely check out with BMO
      * Apple PayPay securely using Apple Pay
    * Safety & Travel
      * Safety & SecurityYour protection is our priority
      * Travel ServicesEverything you need on your trip
   
   Resources
    * Activate your cardSet up your card in 1 minute
    * Compare credit cardsEasily compare your options
    * Help me choose a cardAnswer a few short questions
    * Make an appointmentConnect with us in person

 * Mortgages
    * Mortgages Overview
    * Mortgage Rates
    * Special Offers
    * Mortgage Options
      * Mortgage pre-qualificationEstimate how much you can afford
      * Renew your mortgageExplore your renewal options
      * Mortgage pre-approvalLearn more about pre-approvals
      * Refinance your mortgageFund your goals and big plans
      * Homeowner ReadiLine®Combine a mortgage with a line of credit
      * BMO Smart Fixed MortgageLock in a 130-day rate
      * Switch your mortgage to BMOExplore how you can switch
      * Mortgage insuranceProtect your investment
    * Mortgage Calculators
      * All calculatorsExplore your options
      * Mortgage Payment CalculatorEstimate your regular payments
      * Mortgage Affordability CalculatorStart setting your budget
      * Variable or Fixed Rate CalculatorStart comparing your mortgage payments
      * Mortgage Pre-Payment CalculatorEstimate your pre-payment charge
      * Homeowner ReadiLine® CalculatorExplore a flexible borrowing option
      * Mortgage Renewal CalculatorEstimate your payment at renewal
    * Tips and Advice
      * Buying a homeTips for your home-buying journey
      * Renew vs. refinanceCompare your options
      * First-time home-buyer programsIncentives, tax credits and more
      * Impact of rising interest ratesHow it may impact your mortgage
      * Buying your next propertyTips for your next move or investment
      * Eco-friendly home guideTips for a greener home
      * Newcomer mortgage optionsHome financing tips for newcomers
   
   Resources
    * Apply for a BMO MortgageKickstart your mortgage journey
    * Talk to an expertRequest a call back
    * Call a home advisor1-866-262-1618
    * Find a local mortgage specialistConnect with a specialist nearby

 * Loans
    * Loans & Lines of Credit Overview
    * Loans
      * Personal LoansMost popular
      * Home Equity LoanTap into your home equity
      * All loansExplore your options
      * RRSP Retro ActivatorMaximize your RRSP
    * Lines of Credit
      * Personal Line of CreditAccess cash when you need it
      * RRSP ReadiLineMaximize your RRSP
      * Homeowner's Line of CreditTap into your home equity
      * All lines of creditExplore your options
    * Student Borrowing
      * Student Line of CreditAffordable, flexible financing
      * Medical or Dental Student Line of CreditEnhanced credit limits
      * Professional Student Lines of CreditPursue your studies worry-free
      * All student borrowing optionsExplore your options
   
   Resources
    * Loan calculatorsLet's calculate your loan payments
    * Make an appointmentSpeak to a BMO representative

 * Investing
    * Investments Overview
    * Invest with a Professional
      * Investment ProfessionalsInvestment advice for your goals
      * Financial PlannersOngoing support from experts
      * Private WealthBespoke advice from a proven team
    * Invest Online
      * All online investing solutionsExplore your options
      * InvestorLine Self-DirectedTrade Online
      * InvestorLine adviceDirectTrading online with expert advice
      * BMO SmartFolioLet us invest for you
    * Investment Accounts
      * TFSAGrow your money, tax free
      * RRSPInvest for your retirement
      * RESPSave for a child’s education
      * FHSASave for the purchase of your first home
      * RRIFManage your retirement income
      * RDSPRegistered disability savings
      * Margin AccountsLeverage your investments
      * CSPSave on a regular basis
    * Investment Products
      * Mutual FundsDiversified and managed investing
      * GICsGuarantee your return
      * ETFsDiversified and easy to trade
      * StocksInvest in specific companies
      * BondsPredictable investment returns
      * OptionsManage risk & generate income
    * Financial Calculators
      * TFSA CalculatorWatch your savings grow, tax-free
      * Retirement CalculatorMake the most of your retirement
      * FHSA CalculatorPlan your first home purchase with ease
      * RIF Payment CalculatorTurn savings into steady income
      * GIC CalculatorDiscover the effect of compounding
      * Investment Payout CalculatorLearn more about your investments
      * Net Worth WorksheetCompare your assets and liabilities
   
   Resources
    * Learning centreAll Investment resources in one spot
    * Help me chooseFind the best investment option
    * Book an appointmentSpeak to a BMO representative

 * Insurance
    * Creditor Insurance
      * Creditor Insurance OverviewExplore your options
      * Loans & Lines of Credit Protection InsuranceLoan or line of credit
        protection
      * Mortgage Protection InsuranceProtection from the unexpected
      * Commercial Loan Insurance PlanProtect your business’ future
      * Credit Card Balance Protection EnhancedMake payments in difficult times
    * Travel Insurance
      * Travel Insurance OverviewExplore your options
      * Single Trip PlansGet more out of your travel plan
      * Multi-Trip PlansFor frequent travellers
   
   Resources
    * Guide me toolFind coverage that works for you
    * Mortgage insurance calculatorBMO's affordable coverage options
    * Get a travel insurance quoteFind the right insurance coverage
    * Make an appointmentConnect with us in person

 * Offers & Programs
    * Newcomers to Canada
      * NewcomersBanking options for newcomers
      * Special OffersSpecial banking offers and advice
      * Bank AccountsSave on everyday banking
      * Permanent Resident or Foreign WorkerBanking for your new life in Canada
      * Credit CardsNo credit history required
      * International Students International banking options
      * Talent ProgramExplore BMO career opportunities
      * Newcomer mortgage optionsHome financing tips for newcomers
    * Students
      * StudentsBanking options for students
      * BorrowingFlexible financing for school
      * Bank AccountsEnjoy student banking perks
      * International Students International banking options
      * Credit CardsEnjoy no annual fee
      * Talent ProgramExplore BMO career opportunities
    * Canadian Defence Community
      * Canadian Defence Community OverviewBanking options for military families
      * Business BankingGet special offers and advice
      * Bank AccountsSave on everyday banking
      * Talent ProgramExplore career opportunities
      * Support Our Troops MastercardEnjoy a no-fee card
    * Kids & Teens
    * Seniors
    * Indigenous
   
   Resources
    * Make an appointmentConnect with us in person
    * Find a BMO branchFind a BMO location near you
    * Learn about BMOFind out more about our purpose and impact
    * BMO SmartProgressStrengthen your financial literacy skills

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 * About BMO
 * Corporate governance
 * Contact us


CONTACT US

Our board and management support open dialogue and exchange of ideas with
shareholders. As set out in our Shareholder Engagement Policy, we communicate
with shareholders in a variety of ways including our annual shareholder meeting,
the annual report, management proxy circular, quarterly reports, annual
information form, news releases, website and industry conferences.

We'd love to hear from you.

Board of Directors:


board.directors@bmo.com



CEO:


corp.secretary@bmo.com



Corporate Secretary:



corp.secretary@bmo.com



General Counsel:



general.counsel@bmo.com



Shareholders may direct written correspondence regarding governance matters to:

Corporate Secretary's Department
Bank of Montreal
100 King Street West
1 First Canadian Place, 9th Floor
Toronto, Ontario M5X 1A1

For shareholder enquiries related to:

 * Change in share registration or address;
 * Dividend information;
 * Lost share certificates;
 * Estate transfers; or
 * To advise of duplicate mailings.

Please contact Bank of Montreal's transfer agent:

Computershare Trust Company of Canada

100 University Avenue, 9th Floor

Toronto, ON M5J 2Y1

Tel: 1-800-340-5021 (Canada and U.S.)

514-982-7800 (International)

Fax: 416-263-9394 or 1-800-453-0330

Email: service@computershare.com

For matters related to mortgage discharges and legal/litigation matters, please
contact: PandC.LegalSupport@bmo.com

For complaints related to the matters below, please visit: Resolve a complaint

table showing the categories of information that may be collectedBanking
ComplaintsInvestment ComplaintsInsurance Complaints
 * Chequing and Savings Accounts
 * Overdraft Protection
 * Credit Cards
 * Mortgages, Loans and Lines of Credit
 * GICs and Term Deposits
 * Business Banking
 * Commercial Banking
 * Travel & Creditor Insurance

 * Our BMO Nesbitt Burns Inc. full-service investment management firm
 * Our BMO InvestorLine Inc. online self-directed trading platform
 * A BMO Investments Inc. mutual fund product or service
 * An investment purchased with our BMO Private Banking team

 * BMO Insurance & BMO Estate Insurance
 * * Term Life Insurance
   * Permanent Life Insurance
   * Income Annuities
   * Critical Illness Insurance
 * Insurance products purchased through BMO Estate Insurance Advisory Services
   Inc.

table showing the categories of information that may be collectedBanking
Complaints
 * Chequing and Savings Accounts
 * Overdraft Protection
 * Credit Cards
 * Mortgages, Loans and Lines of Credit
 * GICs and Term Deposits
 * Business Banking
 * Commercial Banking
 * Travel & Creditor Insurance

Investment Complaints
 * Our BMO Nesbitt Burns Inc. full-service investment
 * Our BMO InvestorLine Inc. online self-directed trading platform
 * A BMO Investments Inc. mutual fund product or service
 * An investment purchased with our BMO Private Banking team

Insurance Complaints
 * BMO Insurance & BMO Estate Insurance
   * Term Life Insurance
   * Permanent Life Insurance
   * Income Annuities
   * Critical Illness Insurance
 * Insurance products purchased through BMO Estate Insurance Advisory Services
   Inc.

For other matters, please visit: BMO online support



For employment verification requests, please call:

1-888-927-7700 (Canada) - Ignore prompts and wait for a live operator.
1-800-367-2884 (U.S.) - BMO’s employer code is 15235.




QUICK INFO & RESOURCES

 * Annual Report
 * Sustainability reports
 * Management Proxy Circular
 * Shareholder Engagement Policy (PDF)
 * Statement of Corporate Governance Practices (PDF)

canada deposit insurance corporation

cdic protecting your deposits pdf


We are members of the Canada Deposit Insurance Corporation (CDIC)


EXPLORE OUR SERVICES

 * Bank Accounts
 * Credit Card
 * Mortgages
 * Loans
 * Investments
 * Creditor Insurance
 * Travel Insurance


SECURITY CENTRE

 * How We Protect You
 * How to Protect Yourself
 * Security Tips
 * Learning Centre
 * Report Fraud
 * Report Lost/Stolen Debit Card
 * Report Lost/Stolen Credit Card
 * Security Alerts


WAYS TO BANK

 * Overview
 * Register for Online Banking
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 * Deposit Money
 * Request Money
 * Transfer Money
 * Send Money

 * Global Money Transfer
 * Pay Bills
 * BMO Debit Card
 * Overdraft Protection
 * CRA Direct Deposit
 * Digital Demos
 * BMO Alerts


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Your Opt Out Preference Signal is Honored


YOUR CALIFORNIA PRIVACY CHOICES


FOR CALIFORNIA RESIDENTS:


To optimize our websites and to personalize your online experiences, we may
collect and share your personal data. To learn more, please refer to our CCPA
Policy.

If you prefer your personal data not be collected for this personalized online
experience or to opt-out of sharing as defined by California law, please toggle
to “No” and click “Submit”.

This opt-out is specific to the device and browser you use. If you use different
browsers or devices, you will need to opt out on each. In addition, because this
opt-out is facilitated via cookies, if you clear your cookies you will need to
opt out again. BMO also recognizes Global Privacy Control (“GPC”) signals that
are transmitted by web browsers and will treat that signal as a valid request to
opt-out of the sharing of your personal information for that web browser. X

STRICTLY NECESSARY

Always Active

Strictly necessary cookies and other technologies are essential in order to
enable you to move around a website and use its features, such as accessing
secure areas of the website. Without these cookies, certain services you may
have asked for cannot be provided. These cookies do not gather information about
you that could be used for marketing or remembering where you have been on the
Internet.

SHARE MY PERSONAL INFORMATION

Share my Personal Information

This will opt you out of sharing your personal information under California law
on our US BMO.com site. It is specific to the device and browser you use. If you
use different browsers or devices, you will need to opt out on each. In
addition, because this opt-out is facilitated via cookies, if you clear your
cookies you will need to opt out again. To learn more refer to our CCPA Policy
and our Digital Privacy Policy.

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