Guarding your banking credentials
Reminder: BMO Harris will never contact you by phone or in an email to ask for your User ID, Password, PIN, social security number or other sensitive information. If you suspect you have been a victim of fraud or would like to report suspicious activity, visit the "Report Fraud & Suspicious Activity" section of this site for important information. Visit your branch or contact us using a known legitimate number (for example, the number on the back of your debit card).
We work hard to protect your confidential information and privacy online. At BMO Harris, information security is one of our highest priorities. We use the latest technologies and other software to prevent unauthorized users from accessing our systems.
A secure login process and strong encryption are only the first steps in helping to prevent anyone from accessing your account information online. Below are key details around what we do to help contribute to our mutual online security.
Unauthorized Transactions and Our Online Guarantees1-- Personal Accounts
(Under Regulation E)
If you are a consumer customer and use online banking or bill pay, you can rest easy as we offer consumers some of the strongest protections available. As evidence of our commitment to providing a secure and dependable online banking environment, our Online Guarantees* include:
- Protection from unauthorized transactions
- Bill payment guarantee
To learn more about our Online Guarantees, visit the "Online Guarantee" section of this site. Additional measures that we take to help you bank online with confidence include the following:
- Provide secure log-in access to your BMO Harris online accounts directly from the BMO Harris home page.
- Use strong encryption technology to help ensure that data passing between your computer and our web server is secure, therefore you must have a browser that supports this level of encryption (in technical jargon: 128 bit minimum encryption).
- Require session time-outs after 10 minutes of inactivity.
- Use of secured firewalls, to protect your account information.
- We never send unsolicited messages asking you to provide us with personal or account information via email.
Also note, that all debit card holders gain valuable protection if your debit card is lost or stolen with the MasterCard® Worldwide Zero Liability2 protection when reported promptly. To learn more, view our account disclosures (PDF, 439KB).
If you believe there to be an unauthorized transaction or you have questions about your electronic transfers or card transactions, contact us IMMEDIATELY.
1The BMO Harris Online Guarantee applies to transactions involving your BMO Harris deposits and BMO Harris loans, including any BMO Harris credit card or line of credit. If you conduct transactions through affiliated or unaffiliated web sites or involving products or services other than deposit and loans offered by BMO Harris, such transactions, products and services are not covered by the Online Guarantee.
2The MasterCard® Worldwide Zero Liability protection protects eligible cardholders from certain unauthorized transactions processed over the MasterCard network. Subject to certain restrictions and limitations that may be imposed by MasterCard from time to time. Please refer to http://www.mastercard.us/zero-liability.html for further information regarding MasterCard's Zero Liability protection.