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Submitted URL: http://bmo.com/security
Effective URL: https://www.bmo.com/en-ca/main/personal/security-centre/?icid=ot-US3809CHAN1-RKBMO17
Submission: On November 17 via manual from CA — Scanned from NL

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HOW WE PROTECT YOU

Your security is our priority. We work hard to bring you the fast, convenient
personal and business banking experiences you’ve come to expect, while applying
advanced security measures– so you can make real financial progress with peace
of mind.

BMO Digital Banking Security Guarantee

Your security is our priority and we work in partnership with you to keep your
accounts safe. We will reimburse you for any eligible unauthorized transactions
provided you have kept your account details secure, and you’ve met all other key
responsibilities outlined in our Electronic Banking Services Agreement


SECURITY HOWEVER YOU BANK

Be confident that your private details are protected across all of our banking
platforms.

 * Online banking Bank online knowing that all info you exchange with us over
   the internet is secure.
 * Mobile banking Protect your mobile device and identity from scammers while
   banking through the BMO mobile app.
 * ATM banking Deposit or withdraw at BMO ATM with the confidence that if
   anything goes wrong, we're here to help.
 * Telephone banking Make a transaction safely by phone with voice recognition
   and a unique PIN to confirm your identity.




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 (FCU) is a security operations team that’s the
first of its kind in Canada. 

Founded in 2019, the FCU combines world-class expertise from our cyber security,
fraud, physical security, and crisis management teams 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 24/7/365 whenever and wherever you bank.
 * Strong internal controls like firewalls and email security software.
 * Frequent employee training on the best and latest security practices.


ADDITIONAL SECURITY SOFTWARE FOR YOUR DEVICES

Add an extra layer of safety to your account by installing security software
from our trusted tech partners.

 * IBM®Trusteer Rapport® to secure your desktop browser.
 * OnGuard® to protect your identity online.
 * Interac® verification service to confirm your identity when you sign up for
   new services.

learn more

 * How you can protect yourself
   
   Learn how to avoid fraud and cyber threats.

 * Security tips
   
   Find the top 10 security tips for your online banking safety.

 * Security resources
   
   Get info about types of scams and phishing do’s and don’ts.

 * Report fraud
   
   Concerned about suspicious activity on your account? We can help.


FAQS FREQUENTLY ASKED QUESTIONS

 * HOW SECURE ARE BANKING APPS?
   
   The BMO app has multiple security features designed to protect you:
   
    * All info sent and received through the BMO 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.
   
   Learn More

 * WHAT IS A FIREWALL?
   
   Firewalls are a type of security software that monitors activity coming in
   and out of your device or network. They’re the first line of defense against
   security threats because they block unauthorized devices and networks from
   accessing yours, protecting your info and identity.

 * DOES BMO SEND EMAILS?
   
   You will receive encrypted emails about your account from a bmo
   representative through our Message Center. All emails are sent from
   notification@secureportal.bmofg.com.
   
   Remember: we will never send you an email asking you to provide personal or
   confidential information (such as your debit or credit card number, passwords
   or identification such as Social Insurance Number or Driver's Licence).
   
   If you receive a suspicious email saying it’s from BMO, don’t reply or click
   on any links. Instead, forward the suspicious email as an attachment to
   phishing@bmo.com then delete the message from your inbox immediately.
   
    

 * WHAT IS ONGUARD IDENTITY PROTECTION?
   
   OnGuard® footnote dagger† helps customers detect identity theft sooner by
   making them aware of where and how their personal information is being used.
   OnGuard helps to guard against identity fraud both online and offline
   through:
   
    * Online identity monitoring
    * Financial identity monitoring
    * Identity alerts
    * Card cancellation and replacement concierge
    * Identity restoration
   
   OnGuard Identity Protection is a complimentary service offered to eligible
   BMO customers with the Performance and Premium Plans.*74

 * WHAT BROWSERS SUPPORT BMO DIGITAL BANKING?
   
   BMO Digital Banking can be accessed by using any major browser, such as
   Chrome, Microsoft Edge, Safari, and Firefox. We always recommend using the
   most up-to-date version of your preferred browser for the best experience.


BMO DIGITAL BANKING SECURITY GUARANTEE

Your security is our priority and we work in partnership with you to keep your
accounts safe. We will reimburse you for any eligible unauthorized transactions
provided you have kept your account details secure, and you’ve met all other key
responsibilities outlined in our Electronic Banking Services Agreement.

canada deposit insurance corporation

cdic protecting your deposits pdf


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

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FOR CALIFORNIA RESIDENTS:


To optimize our websites and to personalize your online experiences, we may
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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
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