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Mobile Banking FAQs

  • Mobile Banking
    What is BMO Harris Mobile Banking®?
    BMO Harris Mobile Banking® is an easy way to do your banking on the go right from your smartphone or tablet. You can either download the App for the iPhone®, iPad® or Android, or go to bmoharris.com using the web browser on your mobile device.
    What exactly can I do with BMO Harris Mobile Banking®?
    With Mobile Banking you can deposit checks2, view account balances and recent account activity, transfer money, pay bills3, find ATMs and branch locations and schedule an appointment at a branch.
    How do I start using BMO Harris Mobile Banking®?
    To use mobile banking you first need to be enrolled in BMO Harris Online Banking®. You can enroll in online banking from bmoharris.com. Once enrolled, you can visit bmoharris.com from your mobile phone to begin using BMO Harris Mobile Banking®1, or you can download the BMO Harris Mobile Banking® App directly from the App Store or Google Play.
    How much does this service cost?
    BMO Harris Mobile Banking® is free. Message and data rates may apply. Contact your wireless carrier for details.
    Does BMO Harris Mobile Banking® work on any type of phone or tablet?
    There is a BMO Harris Mobile Banking® App designed specifically for iPhone®, iPad® and AndroidTM device. You can download the free App from the App StoreTM, Google PlayTM. You can also access BMO Harris Mobile Banking® from any phone or tablet by visiting bmoharris.com from its web browser.
    How often do I need to download the BMO Harris Mobile Banking® App?
    As we continue to improve our mobile banking experience, we will periodically update the App to create a better mobile banking service. Please watch for updates from Google Play or the App Store to ensure you are using the latest version of the App.
    Is the BMO Harris Mobile Banking® service secure?
    Yes, mobile banking is secure4. No identifiable account data is stored on your phone. The BMO Harris Mobile Banking®1 service uses best practices from BMO Harris Online Banking®, including your customized User ID and Password, 128-bit SSL encryption, and data encryption4. And if your phone is lost or stolen, we can help you anytime 24/7 by immediately disabling your service and reviewing your recent account activity. Just call 1-888-340-2265.
    What security measures are in place to protect my payment and account activity?
    Our Online Guarantees5 that protect you when you use online banking also apply to mobile banking. As part of these guarantees, we will reimburse you for unauthorized transactions to your personal banking accounts resulting from fraud through BMO Harris Mobile Banking®. Learn more about how to protect your mobile banking activity.
    I'm not enrolled in BMO Harris Online Banking®. Can I still use BMO Harris Mobile Banking®?
    You first need to enroll in BMO Harris Online Banking before you can start using mobile banking. It only takes a few simple steps. Visit bmoharris.com to get started.
    Is the BMO Harris Mobile Banking® service always available?
    BMO Harris Mobile Banking® is available 24/7, with the exception of regularly scheduled maintenance windows, which occur every Sunday from midnight to 5:30 a.m. Central Time.
    Which accounts can I access through BMO Harris Mobile Banking®?
    You can access your BMO Harris Checking, Savings, Money Market, CD and most Loan Accounts6.

  • Mobile Deposit
    What is BMO Harris Mobile Deposit®?
    BMO Harris Mobile Deposit2 lets you deposit a check into an eligible BMO Harris Checking, Savings, or Money Market account using your iPhone®, iPad® or Android device.
    Who is eligible to use BMO Harris Mobile Deposit2?
    You must be a BMO Harris Online Banking® customer who has had a BMO Harris account for more than 5 calendar days prior to becoming eligible to use BMO Harris Mobile Deposit.
    Why can't I access BMO Harris Mobile Deposit?
    To access Mobile Deposit2 through the iPhone®, iPad® or Android App, you must have at least one eligible BMO Harris Checking, Savings, or Money Market account.
    How much can I deposit through BMO Harris Mobile Deposit?
    Customers can deposit up to $5,000 over five Business Days through Mobile Deposit2.
    What types of checks can I deposit through BMO Harris Mobile Deposit?
    Most U.S. personal, business, and federal checks are accepted for deposit. U.S. Savings Bonds, foreign checks, and many rebate checks will not be accepted by BMO Harris Mobile Deposit2. If you have questions, please call 1-888-340-2265 to speak with a Banker.
    My check was successfully deposited. When will the funds be available for withdrawal?
    Deposits through BMO Harris Mobile Deposit2 are processed based on the time the deposit was submitted. If we receive the deposit on or before 7:00 p.m. Central Time (CT) on a Business Day, we will consider that day the day of deposit. If we receive the deposit after 7:00 p.m. CT, or on a weekend or other non-Business Day, we will consider the next Business Day as the day of deposit. For approved checks deposited into Checking Accounts, the first $500 of the deposit will be available 1 Business Day after the day of deposit. Any amount in excess of $500 will be available 2 Business Days after the day of deposit. For approved checks deposited into Savings or Money Market accounts, all funds will be available 2 Business Days after the day of deposit.
    How long should I keep the original check after I deposit it?
    Please keep the original check for 15 Business Days after you have deposited it. Once 15 Business Days have passed and you have verified that the money has been credited to your account, you should shred the check before discarding it. Do not attempt to deposit the check again.
    Why are my check images being rejected?
    It could be because the image wasn't clear enough. For the best results, lay your check on a flat, dark surface with adequate lighting. Hold the camera steady and make sure all four corners of the check are captured. Also make sure you have endorsed the back of the check.
    Who can I call if I have questions about Mobile Deposit?
    If you have any questions about Mobile Deposit, please call 1-888-340-2265 to speak with a Banker.

  • Mobile Cash
    What is Mobile Cash?
    Mobile Cash7 is a mobile banking feature that lets you access cash from designated BMO Harris ATMs using your BMO Harris Mobile Banking® App without swiping your ATM or debit card. All you need is an active ATM or debit card account, money in your account and the BMO Harris Mobile Banking® App on your smartphone. It's a faster, more convenient and secure4 way to get your cash on the go.
    Is there a fee to use Mobile Cash?
    BMO Harris does not charge a fee to use Mobile Cash. However, because it is within the BMO Harris Mobile Banking® App, message and data rates may apply. Contact your wireless carrier for details.
    Is Mobile Cash available on all BMO Harris ATMs?
    Mobile Cash is available on the majority of BMO Harris ATMs. However, there are some locations that do not offer the service – primarily certain off-site locations such as Speedway, Walgreens, etc. You can easily find Mobile Cash ATMs through the in-app locator and the online Branch & ATM Locator.
    What do I need to use Mobile Cash?
    The BMO Harris Mobile Banking® iPhone® or Android smartphone application, an active BMO Harris ATM or debit card linked to a BMO Harris Checking account with money in the account.
    Do I need a separate app on my phone to scan the QR code?
    No. We designed the BMO Harris Mobile Banking® App to include the required QR software.
    What if I don't scan the QR code at the ATM?
    QR codes will expire after 45 seconds, at which point the transaction will be canceled. If you walk away from an ATM with a QR code displayed on the screen, there is no security risk to you. The QR code contains no personal information about you or your accounts. It simply identifies which ATM you are using for the transaction.
    What cash multiples can I select with Mobile Cash?
    When using the Mobile Cash service, you can only select multiples of $20.
    Is Mobile Cash secure?
    Yes. Mobile Cash is a secure4 way to access your cash. Your personal information, including card number and security code, is never stored in the BMO Harris Mobile Banking® App or on your mobile device. Because it's a part of BMO Harris Mobile Banking®, Mobile Cash is protected by the same User ID and Password authentication security used for online banking and mobile banking.
    Can I use Mobile Cash on any of my mobile devices?
    Mobile Cash can only be used on smartphones you have registered for BMO Harris Mobile Banking®. Registering a device requires an additional layer of authentication. Mobile Cash can only be used on iPhone® or Android smartphones using the BMO Harris Mobile Banking® App. Mobile Cash is not available on tablet devices.
    What should I do if my phone is lost?
    If your phone is lost, please call 1-888-340-2265 immediately and we will disable your mobile banking account. This will make Mobile Cash and mobile banking inaccessible to anyone attempting to use your lost or stolen device. In order to resume using Mobile Cash, you will need to register a new device with BMO Harris Mobile Banking®. Registering a device requires an additional layer of authentication.
    What if I have unauthorized debit card transactions on my account?
    The same liability rules that currently apply to unauthorized debit card transactions will also apply to unauthorized Mobile Cash transactions. Please see the Deposit Account Agreement for Personal and Business Accounts for details.
    Does Mobile Cash have transaction limits?
    Even though you don't use a physical card to access Mobile Cash, the service is still considered a card transaction and all daily transaction limits that apply to your ATM or debit card accounts also apply to your Mobile Cash withdrawals. If you don't know what your card's withdrawal limits are, please ask your Banker or call 1-888-340-2265.
    Who can I contact if I have questions about Mobile Cash?
    Please ask your Banker or call 1-888-340-2265.

  • Total Look8 Mobile
    What is Total Look Mobile?
    BMO Harris Total Look is now mobile and no additional set up is needed. This free money-management tool helps you simplify your finances and save time all from the convenience of your smartphone. It gives you a consolidated view of your checking and savings accounts, online investments, credit cards, mortgages, loans and more – even if some of them are not with us – in one secure4 location.
    How do I sign up for Total Look Mobile?
    Sign into your Mobile Banking App and select "Total Look" from the task (+) menu on your smartphone or the left hand menu on your tablet to get started.
    Why don't I see my BMO Harris credit card and investment account?
    These accounts are not added automatically to your Total Look account, but you can add them manually in a few simple steps. Once signed in to your Mobile Banking App, select 'Total Look' from the task (+) menu on your smartphone or the left hand menu on your tablet. Click on 'Link Account', and search for the BMO Harris credit card or investment account you want to add. Enter your account information and click 'Add'.
    How can I add an account in Total Look Mobile?
    It's easy to add accounts. Once you're in 'Total Look', select 'Link an Account' and enter the account you want to add or select from a list of accounts. From there, enter your login information for that account, then click 'Link Account' and your account will appear.
    What types of accounts can I add in Total Look Mobile?
    A variety of account types can be added, including BMO Harris and non-BMO Harris accounts. Account types are grouped as Banking, Credit Cards, Loans, Mortgages, Investments, Insurance, Real Estate, Rewards, Bills, Utilities, Cell Phone & Wireless, Phone & Long Distance, Cable & Satellite, Other Assets, Other Liabilities, and Payment Services.
    You can view account balances for each account as well as the total balance for every account group. You have the option to display account details and transactions, and an easy-to-use filter is also available to display only the accounts you want to see.
    Can I make edits in Total Look Mobile?
    Yes, some fields can be changed:
    • Descriptions – Type over the original description to change it
    • Tags – Tap the Tag option to tag or re-tag transactions
    • Memo – The Memo text box can be edited (limited to 140 characters)
    • Category – Tap the Category options and change the category assigned to a transaction in the Categories view.
    • By default, Total Look Mobile shows all transactions for the last 30 days, including the current day. The list of transactions can contain cleared, posted, scheduled, and future transactions for all accounts, a selected account group, or a selected individual account. Transactions that match your search criteria are displayed.
    What if my bank account isn't available to add via Link Account?
    Contact the BMO Harris Customer Contact Center at 1-888-340-2265 to request that your bank be added. It typically takes a couple of weeks to add it to your account.

  • Mobile Bill Pay
    How do I activate Mobile Bill Pay3?
    Once you're enrolled in BMO Harris Online Banking®, you can start using Bill Pay® by logging in to Online Banking and clicking the 'Payments' tab. Choose the primary account where the majority of your payments will come from (you may also choose additional accounts to pay bills from).
    What can I do in Mobile Bill Pay?
    • Schedule one-time payments to payees you've set up within Online Banking or the Mobile Banking app
    • View payments for the past 30 days
    • View, edit and delete scheduled payments for the next 30 days
    • Add, modify and delete payees
    How do I add a payee through the Mobile Banking app?
    Payees can be added through the 'Accounts' tab. Click on the 'more' symbol, then select 'Pay Bill' from the menu. Click on the 'Add' button and follow the prompts to add a payee.
    How do I edit a payee in the Mobile Banking app?
    A payee can be edited from the 'Pay Bill' menu. From there you can select and edit any of your payees.
    How do I delete a payee in the Mobile Banking app?
    You can delete a payee from the 'Pay Bill' menu. Simply select and delete the payee you no longer want to have.
    Will the payees I add or modify in Mobile Banking display in Online Banking?
    Yes. All of your payees can be seen in Mobile Banking and Online Banking.

  • Touch ID
    What is Touch ID?
    Touch ID is an Apple biometric fingerprint recognition feature that's available on select Apple devices. This technology allows users to use their fingerprint to unlock their Apple device instead of using a passcode. You can learn more about Touch ID at apple.us.
    Why use Touch ID to sign in to BMO Harris Mobile Banking®?
    Touch ID Sign In is an opt-in feature that provides customers with an iPhone 5s or later with access to BMO Harris Mobile Banking® through the touch of your fingerprint. It's convenient, accessible, fast, and secure4. (Note: Total Look users are required to enter their User ID and password)
    Who can use Touch ID to sign in to BMO Harris Mobile Banking®?
    You can register for Touch ID if you have the latest version of the BMO Harris Mobile Banking® app installed on an iPhone 5s, iPhone 6 and 6 Plus, and iPhone7 running iOS 8. Touch ID Sign In is an opt-in feature that is not mandatory to mobile banking customers. Once setup you can sign in to BMO Harris Mobile Banking® with your fingerprint.
    Is Touch ID sign in secure?
    Touch ID sign in is a secure form of sign in for BMO Harris Mobile Banking® iPhone devices. You are protected by the same high level security that is used for BMO Harris Online Banking® and BMO Harris Mobile Banking®.
    How do I set up Touch ID for sign in?
    To access Touch ID, go to the 'More' menu and select 'Settings' and then Select Touch ID or Passcode on the Quick Access screen. (Note: iPhone® 5S, 6, 6 Plus or 7 users select Touch ID from the Quick Access screen)
    If another person's fingerprint is registered in iOS to Touch ID, will they have access to my BMO Harris Mobile Banking® account?
    Yes, all users with Touch ID fingerprints registered to your device will have access to account balances, transaction history and Mobile Cash. If other user's fingerprints are registered for Touch ID, do not enable this feature.

  • People Pay
    What is BMO Harris People Pay9?
    People Pay is a service available through the BMO Harris Mobile Banking® App that allows you to send money to almost anyone in the U.S. with a U.S. bank account with an email address.
    What do I need to sign up for People Pay?
    You must have a BMO Harris Personal or Small Business Checking or Money Market Checking Account, be enrolled in BMO Harris Online Banking® and use BMO Harris Mobile Banking®.
    Can I access People Pay through BMO Harris Online Banking®?
    This service is only available through the BMO Harris Mobile Banking® App.
    Who can I send money to?
    You can send money to almost anyone in the U.S. with an email address. The recipient must receive the money in U.S. Dollars to their domestic bank account.
    Can I send money internationally through People Pay?
    No. You can only send money to a person's U.S. Dollar domestic bank account.
    Can I send money to someone that doesn't have a BMO Harris account?
    Yes. Recipients don't have to be BMO Harris customers.
    Is there a fee for this service?
    There's no fee to use People Pay.
    What are the transaction limits for People Pay?
    For customers who enrolled in People Pay before [April 29, 2017] ("Existing People Pay Customers"), the maximum amount of any single transaction is $1,000 and the maximum daily limit for all transactions is $1,000.
    For customers who enroll in People Pay on and after [April 29, 2017] (“Newly Enrolled People Pay Customers”), the maximum amount of any single transaction is $325 and the maximum daily limit for all transactions is $325. The transaction limits from a BMO Harris Money Market Checking Account also apply.
    Can I increase my transaction limit?
    Newly Enrolled People Pay Customers whose accounts are in good standing will have their transaction limit levels increased to $1,000 (subject to bank discretion) 31 calendar days after the date of their People Pay enrollment, unless the 31st calendar day falls on a weekend or holiday, in which case the service level will be increased on the next business day. In no event shall any transaction limit levels be increased above $1,000 for any customers.
    What is a registered user?
    A registered user is someone who has enrolled for People Pay and validated their email address in the BMO Harris Mobile Banking® App.
    What is an unregistered user?
    An unregistered user is someone who has enrolled for People Pay, but hasn't validated their email address in the BMO Harris Mobile Banking® App.
    How will I know if I'm a registered or unregistered user?
    If "Unconfirmed" appears next to your primary email address in the "My Profile" section, located under the "Contacts" tab in the People Pay application, this means you're an unregistered user.
    What options do registered and unregistered users have?
    As a registered user, you can send and claim People Pay payments through the BMO Harris Mobile Banking® App. As an unregistered user, you can send payments through the App but you'll be directed to the BMO Harris claim site to collect payments sent to you.
    What are the payment and claiming options?
    BMO Harris People Pay user with confirmed emailBMO Harris People Pay user with unconfirmed emailon-BMO Harris People Pay user with confirmed email*Non BMO Harris customer
    Initiate paymentXXX
    Claim payment in app instantlyXX*
    Claim payment on Claim Site with account/routing number (1 - 3 days)XX
    Claim payment on Claim Site with debit card instantlyXX
    How long does the recipient have to claim their money?
    A recipient has 10 calendar days to claim their money.
    How will the recipient be notified of a payment?
    After you send the payment, we email the recipient a notification. We explain how to claim the money and how long they have to claim it before the payment expires.
    When will the money be debited from my account?
    The money is debited from your account on the same business day the recipient claims the money.
    What happens if I don't have enough money in my account when the recipient claims the money?
    If there aren't enough available funds in your account when the recipient claims the money, they'll receive a message stating that the payment can't be processed and to contact you. The payment will be cancelled and you'll need to resend it.
    Can I cancel a payment I've already sent?
    Yes. As long as the recipient hasn't claimed the money, you can cancel the payment.
    What happens if the recipient doesn't claim the money?
    If the recipient waits more than 10 calendar days to claim the money, the transaction is cancelled and the funds stay in your account. You and the recipient will receive an email notification with the details.

    Claim site FAQs

    Is there a fee to claim money?
    No.
    When I receive money through People Pay, is it secure4?
    Yes. Security is our top priority and we have taken all of the necessary steps to ensure your money is delivered securely.
    What are my options for claiming money?
    • To your bank account: You’ll be asked for your bank routing number, account number, and the account type. The money will be deposited into your account in 1 to 3 business days.
    • To your debit card: If you have an eligible debit card, you can deposit money directly to that debit card. If your card is ineligible, you will be prompted to try a different card, or use your bank account. The money is available immediately in the primary account tied to your card.
    What happens if I decline a payment?
    The sender is notified that you’ve declined their payment. You won’t be able to claim the same payment in the future.

  • Troubleshooting
    What if my mobile device is lost or stolen?
    If your mobile device is lost or stolen, or you are worried that it is being misused, contact your mobile service provider immediately to stop all wireless service. We can also help by you by disabling your mobile banking service and reviewing your recent account activity. Just call us anytime, 24/7 at 1-888-340-2265.



  • 1. Message and data rates may apply. Contact your wireless carrier for details.
  • 2. BMO Harris Mobile Deposit is available for select BMO Harris Mobile Banking® Apps. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal.
  • 3. Available to BMO Harris Bill Pay customers only. Add bill payment to your online banking account by signing on and clicking the Payments tab, then the Enroll button.
  • 4. Please visit bmoharris.com/security for more details.
  • 5. Certain conditions and limitations apply. BMO Harris Online Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Harris Online Banking Services Agreement for full details. In addition to the BMO Harris Online Guarantees, Consumer Financial 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 BMO 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 for Personal and Business Accounts.
  • 6. Commercial loan accounts cannot be accessed through BMO Harris Mobile Banking®.
  • 7. BMO Harris Mobile Cash is available for BMO Harris Mobile Banking® smartphone apps only. For details, see the BMO Harris Mobile Banking® End User Terms found at bmoharris.com/legal. Users must have a BMO Harris debit or ATM Card. Even though a physical debit card isn't used to access Mobile Cash, the service is still considered a card transaction and transactions are subject to daily transaction limits for your card. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265.
  • 8. BMO Harris Total Look Mobile is available for select BMO Harris Mobile Banking® Apps.
  • 9. People Pay is available for BMO Harris Mobile Banking® smartphone apps only. For details, see the BMO Harris Mobile Banking® End User Terms found at bmoharris.com/legal.
iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. App Store and Touch ID are trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.
Banking products and services are subject to bank and credit approval and are provided by BMO Harris Bank N.A. Member FDIC
Message and data rates may apply. Contact your wireless carrier for details.
Certain conditions and limitations apply. BMO Harris Online Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Harris Online Banking® Services Agreement found at bmoharris.com/legal for full details.
Downloading and use of the Trusteer Rapport software is governed by the terms of the Rapport license agreement, which is provided with the software. BMO Harris makes no representation or warranty respecting the software or Trusteer's website. You agree BMO Harris is not responsible for any difficulties, consequences, costs, claims, damages or losses arising in any way whatsoever out of the downloading or use of the software.