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Personal > Checking Accounts, Debit and ATM Cards > BMO Harris Bank World Debit Mastercard®

Debit cards

BMO Harris Bank World Debit Mastercard®

Enjoy the benefits of a Mastercard and get instant access to your money, for all your purchase and spending needs.
No need for checks and safer than cash. Get instant access to your money, along with the benefits of a Mastercard® and travel services.
Use it everywhere Mastercard® debit cards are accepted.

Security & Convenience

Extended
Warranty

Price
Protection


Get more out of every purchase with these extra benefits.

Satisfaction Guarantee

 

Get a full refund for most purchases, up to $250, if the store will not accept a return.1

Mastercard Global Service

 

Count on 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, finding an ATM, or card related questions.1

Extended Warranty

 

Extend the original manufacturer’s (or U.S. store brand) warranty on most new items for extra peace of mind.1

Fast and convenient ATM access

 

Unlimited fee-free access at over 40,000 Allpoint® and BMO Harris ATMs nationwide and surcharge fee-free access at over 12,000 Allpoint® network ATMs in Canada, Mexico, Puerto Rico, United Kingdom and Australia.2

Price Protection

 

Covers the difference between the price you paid for an item and the lower advertised price, up to 120 days.1

Master RoadAssist® Roadside Service

 

Count on emergency roadside assistance such as jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your BMO Harris Bank World Debit Mastercard®.1

Travel Assistance Services

 

Get important information about your destination before you leave, such as visa/passport requirements, immunization, and help with lost/stolen travel documents and luggage. And if you’re traveling more than 100 miles from home, your card also provides hospital transfers, as well as referrals to a network of physicians, attorneys, local embassies and consulates.1

Never miss a payment

 

Use your debit card to set up recurring payments like a gym membership, cable bill or utilities and avoid late fees.

Purchase Assurance

 

Provides coverage for most items you purchase with your BMO Harris Bank World Debit Mastercard® if the item is damaged or stolen within 90 days of the date of purchase.1


Satisfaction Guarantee

 

Get a full refund for most purchases, up to $250, if the store will not accept a return.1


Extended Warranty

 

Extend the original manufacturer’s (or U.S. store brand) warranty on most new items for extra peace of mind.1


Price Protection

 

Covers the difference between the price you paid for an item and the lower advertised price, up to 120 days.1


Mastercard Global Service

 

Count on 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, finding an ATM, or card related questions.1


Fast and convenient ATM Access2

 

Unlimited fee-free access at over 40,000 Allpoint® and BMO Harris ATMs nationwide and surcharge fee-free access at over 12,000 Allpoint® network ATMs in Canada, Mexico, Puerto Rico, United Kingdom and Australia.2


Travel Assistance Services

 

Get important information about your destination before you leave, such as visa/passport requirements, immunization, and help with lost/stolen travel documents and luggage. And if you’re traveling more than 100 miles from home, your card also provides hospital transfers, as well as referrals to a network of physicians, attorneys, local embassies and consulates.1


Master RoadAssist® Roadside Service

 

Count on emergency roadside assistance such as jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your BMO Harris Bank World Debit Mastercard®.1


Purchase Assurance

 

Provides coverage for most items you purchase with your BMO Harris Bank World Debit Mastercard® if the item is damaged or stolen within 90 days of the date of purchase.1


Never miss a payment

 

Use your debit card to set up recurring payments like a gym membership, cable bill or utilities and avoid late fees.


Protect yourself with every purchase

Zero Liability Protection external icon

 

You will not be held responsible in the event of unauthorized purchases.3

Advanced Chip Technology

 

Get more protection against fraud with every purchase at chip-enabled terminals.

Mastercard ID Theft Protection

 

Helps you resolve identity theft.

Secure Online Transactions

 

Mastercard SecureCode® helps ensure that only you can make online purchases with your BMO Harris Bank Debit Mastercard®. It's safe, easy and free.

Mastercard ID Theft Alerts

 

Get alerted if any of your personal information – including credit or debit card, Social Security Number, driver's license
and more – is being bought or sold online.

Sign up today.external icon

BMO Harris Card Monitor

 

Get real-time debit card alerts and set up controls to monitor and limit access to your debit card.


Zero Liability Protection

 

You will not be held responsible external icon in the event of unauthorized purchases.3


Mastercard ID Theft Protection

 

Helps you resolve identity theft.


Mastercard ID Theft Alerts

 

Get alerted if any of your personal information – including credit or debit card, Social Security Number, driver's license and more – is being bought or sold online.

Sign up today.external icon

Advanced Chip Technology

 

Get more protection against fraud with every purchase at chip-enabled terminals.


Secure Online Transactions

 

Mastercard SecureCode® helps ensure that only you can make online purchases with your BMO Harris Bank Debit Mastercard®. It's safe, easy and free.


BMO Harris Card Monitor

 

Get real-time debit card alerts and set up controls to monitor and limit access to your debit card.




How it works:

Online

 

Shop online safely and conveniently.

U.S. and international purchases

 

Use it at any retailer that accepts Mastercard®, and simply select ‘Debit’ as your method of payment.

Pay on the go

 

Make purchases with your smartphone using BMO Harris Bank Masterpass, Apple Pay®, Google Pay and Samsung Pay.

How it works:


Online

 

Shop online safely and conveniently.


U.S. and international purchases

 

Use it at any retailer that accepts Mastercard®, and simply select ‘Debit’ as your method of payment.


Pay on the go



How to get your BMO Harris Bank World Debit Mastercard®


BMO Harris Bank World Debit Mastercard® is available to all BMO Harris personal banking customers.



Check out our other Debit and Gift Cards

BMO Harris Bank Debit Mastercard®


worldDebit

Enjoy convenience and security every time you use your BMO Harris Bank Debit Mastercard®.

Learn more

BMO Harris Bulls, Blackhawks & Bucks Debit Mastercard®

worldDebit

For the ultimate fan, carry your team card wherever you go – plus, get team perks!

BMO Harris Bank Mastercard® Gift Card4


worldDebit

The gift that everyone loves getting. You choose how much to give.


Find the answers you’re looking for

Have questions about debit cards?


How do I activate my debit card?

 

If it’s a replacement debit card, simply make a transaction using your existing PIN at any ATM or in store and your card will be activated. To activate a new card,
call 1-877-547-7994.


Can I link my savings account to this card?

 

Yes, you can easily link your savings account to your debit card. Visit your nearest branch or call 1-888-340-2265 and we’ll be happy to help.


If my card is lost or stolen, what do I do?

 

Call us immediately at 1-888-340-2265. Also, review your account for suspicious activity and report any transactions you don’t recognize.


My card has a chip, how does that work?

 

Chip cards have an embedded microchip, which gives you increased protection against fraud every time you use your card at a chip-enabled terminal. Learn more about chip cards.


Are there fees for using a debit card?

 

Your debit card has no annual fee and no fee for purchases. The only exception is if you use your card while traveling in another country, or to make a remote purchase from the United States with a foreign merchant, in which case a foreign transaction fee will apply, regardless of whether a currency conversion is required. If you use your debit card at another financial institution’s ATM, a fee may apply. Please see your your Deposit Account Agreement for more information on fees.

 

Remember, BMO Harris debit card customers get unlimited fee-free transactions at over 40,000 BMO Harris and Allpoint® network ATMs nationwide2


How is a debit card different from a credit card?

 

You can use a debit card just like a credit card wherever Mastercard® is accepted. The difference is, when you use a debit card the money is deducted directly from your BMO Harris checking account, so you don’t owe anything after. It’s a great way to manage your money and avoid building up credit card debt.


I have a merchant hold or authorization hold on my account, what is that?

 

When you use your debit card to make a purchase, the merchant will request an authorization—in other words, an approval—for the transaction to confirm that your account is open and has enough money in it to cover the amount. A merchant hold or authorization hold simply means that the amount of the purchase has been set aside in your account – it is ‘on hold’ as a pending transaction. It will stay on hold for up to 3 Business Days if you made the purchase in person, or up to 5 Business Days for online, phone or mail order purchases. Once the transaction goes through, the actual purchase amount will be deducted from your account. It may take several Business Days for the final purchase amount to replace the pending transaction amount on your account.


The purchase was not what I wanted, how do I dispute a transaction?

 

If you have an issue with a purchase you made, please contact the merchant. If you need further help, please call us at 1-888-340-2265.


How do I change my ATM or debit card PIN (Personal Identification Number) or request a new PIN?

 

If you know your PIN and want to change it, go to a BMO Harris ATM and select a new PIN. If you don’t know your PIN, forgot it, or don’t have a PIN, visit your nearest branch or call us at 1-888-340-2265 to request a new PIN.


I am traveling, will my card still work?

 

When traveling domestically or internationally, you can use your debit card to make purchases anywhere that accepts Mastercard®. To avoid any purchase issues while traveling, we recommend you call us at 1-888-340-2265 and let us know your travel plans and dates of your trip.



Have more questions?


1Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard® Guide to Benefits for more information.

 

2Foreign Transaction Fees will apply at Allpoint® ATMs located outside of the United States.

 

3Pay only for purchases that you have authorized on your Mastercard® card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Detailsexternal icon

 

4Funds on gift cards are not FDIC insured.

 

Apple Pay is a trademark of Apple Inc.

Google Pay and the Google Pay Logo are trademarks of Google LLC.

Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks or their respective owners.

 

Mastercard, Master RoadAssist Roadside Service, Mastercard ID Theft Protection, Mastercard ID Theft Alerts, Mastercard SecureCode, and Masterpass are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

 

The Chicago Blackhawks is a trademark of the Chicago Blackhawk Hockey Team, Inc. The Chicago Bulls identifications are the exclusive property of NBA Properties, Inc. and the Chicago Bulls. ©2018 NBA Properties, Inc. The Milwaukee Bucks identifications are the exclusive property of NBA Properties, Inc. and the Milwaukee Bucks. ©2018 NBA Properties, Inc. All rights reserved.

Get your BMO Harris Bank World Debit Mastercard®


Not yet a BMO Harris personal banking customer? We can help with that.

 

Start by selecting a checking account (you’ll get a chance to add a debit card when opening your account online)

 

View the BMO Harris Premier Account
Already a BMO Harris personal checking customer?

 

Visit a branch

 

1-888-340-2265