BMO Digital Banking

BMO Bank National Association

About this app

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 bmo.com/usmobile to learn more.

¹ Please visit bmo.com/us/security 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 bmo.com/uslegal.
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.

Ratings and reviews

The user experience is awful compared to other banking apps. For one, before I even get access to my account, I try to sign in with my fingerprint. If it fails even once (say, because of a dirty screen), it will completely disable biometric sign-ins, and I am forced to use my password to reactivate it. The app is noticeably slow, unintuitive, and I am met with frequent server errors. If you are going to take over the banks in my area, the new app you force me to use should not be worse.

You can barely use mobile deposit because it can not detect endorsement. Sometimes, it works, but most of the time, it doesn't, despite the endorsement being easily legible. Could we get a manual override that just allows a person to view the check and okay it. People put way too much faith in technology these days. I guess b/c tech can never be buggy or have shotty programming.

This has been an unhelpful app. We were so happy with Bank of the West. This app crashes and/or doesn't recognize my login. When I call for help, they suggest Uninstalling the app and then re-installing. I think I have done that 4 times now and simply use the web browser. However, without the app, you can't use mobile deposit or get notification alerts. Incredibly frustrating. After 15 years of incredible service we are looking for a new bank.

What's new

We're always working to improve your banking experience, this update includes:
• Minor bug fixes
Turn on automatic updates so you always bank with the latest features & enhancements