Online Banking FAQs
What accounts can I access in online banking?
You can use online banking to access and manage your: checking, money market, savings, certificates of deposit, IRA certificate of deposit, IRA savings, mortgages, Health Savings Accounts (HSAs), lines of credit, and installment loan accounts for personal and/or small business. If you have a BMO Harris Credit Card, you can use the convenient link within your online banking account to go directly to the credit card online access site.
What information do I need to sign up and start using online banking?
- A BMO Harris Bank personal or small business checking, money market, savings, mortgage or loan account number, or ATM/Debit Card information, and
- The last six digits of your Social Security Number or Tax Identification Number.
Are there any fees for using online banking?
Online banking is a free service. However, some services – such as stop payments and statement copy requests – do have minimal fees. Please refer to the Deposit Account Disclosure for your account for more details, and note that there could be a fee for add-on online features. Contact your banker for additional details. You will be automatically notified if there is a fee associated with using an add-on feature in online banking.
Why am I being asked to provide an email address?
You are required to provide an email address so that we can send you important account notifications, such as security updates and alerts.
Why do I have to set up and answer challenge questions?
Challenge questions are intended for your security. We want to make sure that it's really you trying to access your accounts. That's why we may ask you a challenge question to verify your identity, for example, if we don't recognize the computer or mobile device you are using.
I forgot my User ID. How do I retrieve my User ID if I forgot it?
You can easily retrieve your online banking User ID online or by phone. To retrieve it online at bmoharris.com, go to the "Secure log in" section located in the upper right corner, and click "Forgot your User ID?" If you need further assistance, click "Let us call you" or call us at 1-888-340-2265 to retrieve it by phone.
How do I reset my Password?
You can easily reset your online banking Password directly from bmoharris.com by clicking the "Forgot your password?" link located in the upper right corner. If you need further assistance, call us at 1-888-340-2265.
How do I change my Password, User ID and/or email address?
To change your Password, User ID and/or email address, log in to online banking, click the "Preferences" link located in the header and then select the item you wish to change.
What do I do if I don't see all of my accounts?
If you do not see all your BMO Harris accounts in online banking, please call 1-888-340-2265 for assistance. Some accounts may not be available through online banking. If you want to view all of your accounts, including non-BMO Harris accounts on one page, you can enroll in BMO Harris Total Look® for a complete picture of your finances. It's a free money management tool from BMO Harris.
How do I know that my account information is safe?
Your online security is one of our top priorities. That's why we do our best to ensure the security of your information while you are at our website. However, there are a number of things you can do to add to your level of protection, such as keeping your Passwords and PINs safe and not disclosing them to anyone, changing your password regularly, and never leaving your banking session "unattended." Click here to read more about our online security.
What should I do if I think I've been a victim of online fraud?
If you think you are or may have been a victim of online fraud through your online banking or BMO Harris account, contact us immediately at 1-888-340-2265. Report all incidents of unauthorized online account access to BMO Harris Online Services.
Who do I call if I have questions about online banking?
You can always reach us 24/7 at 1-888-340-2265 if you have any questions. If you would like us to call you, simply click the "Let us call you" link directly in online banking.
Where can I view my account history with a running balance?
To view your account history, log in to online banking and select the account you want to view. You will be directed to the Account Activity page featuring details for that account.
Why do I see multiple balances?
- Available Balance – the amount that is accessible immediately in your deposit account. Exceeding this balance will cause an overdraft.
- Current Balance – the total amount in your account, including holds that may not be available for withdrawal.
- Ledger Balance – the balance in your deposit account that consists of all deposits, plus interest credited to your account, minus all withdrawals and other debits to your account at the close of the Business Day. Ledger Balance may also be referred to as Last Business Day Balance.
- Last Business Day Balance – the balance in your deposit account that consists of all deposits, plus interest credited to your account, minus all withdrawals and other debits to your account at the close of the Business Day. Last Business Day Balance may also be referred to as Ledger Balance.
Can I pay my BMO Harris mortgage through online banking?
Yes! It's easy to pay your mortgage through online banking. All you have to do is a simple account transfer from your eligible BMO Harris checking, money market or savings account to your BMO Harris mortgage account within online banking. It may take up to one Business Day before the credit will be reflected on your loan balance. If you choose an amount that is different than your Amount Due, it may take additional time before the credit is reflected. You can also use BMO Harris Bill Pay® to pay your mortgage.
How do I set up alerts?
To set up alerts, just log in to online banking and click the "Manage Alerts" link under the Info Center box on the right hand side of the page. Then, use the "Create New Alert" drop down menu to set up the alert you want. You can also set up alerts in BMO Harris Bill Pay® and BMO Harris Total Look®.
Can I change the name of my account in online banking?
You can personalize your accounts in online banking by creating unique nicknames. An account will initially display the full product name, such as BMO Harris Select Checking® Account, but you can replace it with a nickname that is unique to you for an even easier and more personalized banking experience.
Can I access account statements through online banking?
Yes, as an online banking customer, you are automatically enrolled in both paper and online statements for eligible accounts. Accounts eligible for online statements include BMO Harris checking, savings, money market, HSAs, home equity line of credit and personal line of credit accounts. You can view online statements 24/7. If you want to reduce clutter, you can easily opt out of paper statements with just a few simple clicks.
Can I turn off my paper statements?
Yes, it's easy to reduce clutter by going paperless! You can view and print statements online and we will send you automatic notifications when your statements are ready. To opt out of paper statements, go to the "Accounts" tab and select "Online Statements." Click on "Statement Preferences" and select "Electronic Only." Review and Accept the BMO Harris Online Banking Electronic Communications Delivery Notice and Agreement then click "Update Preferences." We will send you an email notification when your statement is ready to view online.
How far back can I view my statements?
You can access and download up to seven years of account statements for eligible accounts, which include checking, savings, money market, HSAs, mortgage, home equity line of credit and personal line of credit accounts.
Can I use Quicken®, QuickBooks®, or Microsoft® Money software with online banking?
Yes. Log in to online banking and select the Accounts tab. You can download information to your Quicken®, QuickBooks®, Comma Separated Version (CSV) or Microsoft® Money software by clicking the Download link available in the upper right corner of the Account Activity page.
How do I re-order checks?
You can re-order checks either online or by phone. To order online, log in to online banking and click on the "Customer Service" tab, select "Reorder Checks" in the Banking Services section. Note that there is a fee for re-ordering checks. Please refer to the Deposit Account Disclosure for your deposit account for more details. If you need help, click the "Let us call you" link, or call us at 1-888-340-2265.
How do I print a copy of a check that has cleared my checking account?
To print a copy of a check for your records, log in to online banking and select the account the check is associated with. You can search either by date range or check number. If you are unable to locate the check in the default transaction range, you can expand the date range using the Search by option. Click on the check number you want in the description column, and a copy of the check will display in a popup window. Click the "Print" button in the window to print a copy. Some payees may process checks electronically, depending on the merchant or business. Images of these items will not be available.
How do I place a stop payment on a check?
You can place a stop payment on a check that you have written from an eligible checking or money market account, but that has not yet cleared your account. To do this, log in to online banking and click on the "Customer Service" tab, then select "Place Stop Payment Requests" in the Banking Services section. On the Stop Payment Request page, select the account you want to stop a payment from, check number, amount and payee information. Click on the "Preview Requests" button to review and submit the request. Note that there is a fee for placing a stop payment on a check. Please refer to the Deposit Account Disclosure for your deposit account, for more details. To stop a payment on an account other than an eligible checking or money market account, contact us at 1-888-340-2265 for assistance.
How do I change my address?
For personal accounts, log in to online banking, click the "Preferences" link located in the header and then select "Address Change Request." The address change will only apply to the account(s) you select to be changed. For business accounts, please contact your BMO Harris Business Banker for assistance.
What is BMO Harris Bill Pay®?
BMO Harris Bill Pay is a secure way to pay your bills online without the hassle of searching for checks, buying stamps or mailing payments. Setting up payments is quick and easy, and lets you decide who to pay, when to pay and which eligible BMO Harris checking or money market account to make the payment from. You can set up automatic recurring payments, edit or cancel scheduled payments, and receive and pay electronic bills (e-bills). With BMO Harris Bill Pay, you can enjoy greater convenience, save time, stay organized and simplify your bill payment routine.
How do I sign up and start using BMO Harris Bill Pay®?
Once you are enrolled in BMO Harris Online Banking®, you can start using BMO Harris Bill Pay by clicking on the "Payments" tab. Choose the account that will be your primary funding account from which the majority of your payments will be processed (you may also choose additional accounts to pay bills from). That's it! You are now ready to use BMO Harris Bill Pay.
Before closing the primary account associated with bill pay, please update your "primary funding account" selection and then call us at
1-888-340-2265 to verify the status of pending bill pay transactions.
Which accounts can I pay bills from?
You can make payments from any eligible BMO Harris checking or money market account enrolled in BMO Harris Bill Pay.
Who can I pay with BMO Harris Bill Pay, and how do I add a biller?
You can pay almost anyone in the United States – from your electric company to your dog sitter. Government or court-directed payments, and payments to Internet gambling organizations may not be made through BMO Harris Bill Pay. To add a biller, simply click on the "Add a Biller" link shown under the "Make your payments" and enter the requested information.
Why is my scheduled payment not showing in my Online Banking Account Activity?
Scheduled payments are displayed for up to 15 days prior to the scheduled due date in your online banking account activity. If your scheduled payment is not processed for payment within 15 days (e.g., you schedule a bill 20 days prior to the due date), the pending payment will drop from the account activity display. Once your scheduled payment is processed it will appear in the posted transactions. You can go to Bill Pay to get full detail on a specific payment, modify or cancel a scheduled payment and access your bill payment history.
What does Deliver By mean?
Deliver By is the earliest estimated date that a payment can be made on. For payments that are paid electronically, the money will stay in your checking or money market account until the due date/deliver by date. For payments that are paid with a check, the money will stay in your account until the check is cashed by the person or company you are paying.
What does the payment status mean?
Each payment will display its status throughout the life cycle of the payment, the available statuses are:
Scheduled: a payment is waiting to be processed according to the date you indicated it should be paid
In Process: the payment you scheduled is in the process of being sent to the biller for payment
Paid: the payment you scheduled has been sent to the biller for payment. For payments that are paid electronically, the money will stay in your checking or money market account until the due/delivery by date. For payments that are paid with a check, the money will stay in your account until the check is cashed by the biller.
Cancelled: this means that you modified or cancelled a payment. With modified payments, the original payment may display as cancelled and the new payment as scheduled
Failed: the payment you scheduled was not able the be sent for processing
What are the Payment Limits?
The maximum amount of any single payment is $100,000 and the aggregate maximum total amount of all payments processed on any Business Day is $250,000. If a transaction would exceed these amounts, a notice will be separately displayed at the time you submit your Payment Instruction. There are no minimum amounts which apply to a payment. These limits are subject to change from time to time.
How long does it take for a biller to receive my payment?
If we pay the biller by electronic payment, it can take up to two Business Days from the scheduled payment date, and the money will stay in your checking or money market account until the due date. If the payment is made by check, it can take up to four Business Days from the scheduled payment date, and the money will stay in your account until the check is cashed by the biller.
How can I be sure my bills will be paid on time?
If you have properly scheduled the payment by the payment due date in BMO Harris Bill Pay, you have sufficient available funds to cover the payment on the scheduled payment date and your payment isn't delayed for reasons listed in the BMO Harris Online Banking® Services Agreement, your payments will arrive as scheduled or we will cover any late fees. Your payments are protected with our Bill Pay Service Guarantee1, which ensures that if we fail to process a properly scheduled online bill payment in accordance with your instructions, we will reimburse any late charges assessed by the biller.
Can I set up recurring payments?
Yes, it's easy to set up recurring payments so you don't have to worry about remembering to make a payment. If the scheduled due date for a recurring payment falls on a weekend or a holiday, your payment will be processed on the previous Business Day.
How do I set up and manage alerts?
Go to the "Payments" tab, then the "Help" tab on the right side of the page and click the "Alert Preferences" icon. Alerts are sent to the email address you designated for all online banking notifications. Click the category you want to view and select the check box for the alert you wish to receive. Note that there are some alerts that are generated automatically to notify you of specific activity in your bill pay account. For security purposes, you are unable to turn them off or unselect them. You can also set up alerts for online banking and Total Look.
What happens if I close a BMO Harris account that is used for bill pay?
Closing the primary account associated with bill pay – even if there are other deposit accounts linked to bill pay ― will result in a loss of bill pay access, including the loss of all biller information, bill pay activity and pending transactions for all accounts. Once the account becomes inactive, BMO Harris cannot track or monitor transactions, and the Bill Pay Service Guarantee1 no longer apply. If you close a secondary bill pay account, only the payments associated with the secondary bill pay account will be canceled, all other bill payments from other accounts will remain.
Before closing the primary account associated with bill pay, please update your "primary funding account" selection and then call us at 1-888-340-2265 to verify the status of pending bill pay transactions.
Can I make changes to biller information?
Yes, you can make changes to biller information from the Payments tab within online banking by selecting “Modify” from the drop down menu option to the right of the biller name. Depending on the biller; you can edit the nickname, account number, address information, phone number and assigned category.
Is there a way to remind me when a payment is due?
Yes, payment reminders are easy to set up, and a great way to keep your bills organized and your payments made on time. You can set up a reminder when you create or modify a payment, and then we'll automatically tell you when to pay your bills so you don't have to worry about missing a payment and incurring late fees. Once the payment reminder is set up, you can go to the "Payments" tab and look for the reminder icon next to the biller. You can also set up different alerts specific to your bill pay account, which will be emailed directly to your personal email as friendly reminders.
What are electronic bills (e-bills)?
E-bills are free, secure2 electronic versions of the paper bills you receive in the mail. With e-bills, you can view the same details that you would see on your paper bills and set up email alerts to notify you when they arrive. They're a great way to eliminate the clutter of paper bills, and make quick and secure payments ― you can even set up e-bills to be paid automatically.
How do I start receiving e-bills?
Go to "Make your payments," and if that biller offers e-bills, an icon will automatically appear. Just click on the e-bill "View Bill Here!" link and provide the information requested to start receiving e-bills.
How do I cancel an e-bill?
To cancel an e-bill, from the Payments tab within online banking, select the “Cancel e-bill” drop down menu option next to the e-bill you would like to cancel. You will be asked to confirm your selection by clicking “Yes”.
Why is there an “Action Needed” next to my e-bill?
The “Action Needed!” link next to your e-bill may occur if certain information for the biller changes, for example your log in information to the biller site changes or the biller’s address changes. If you see an “Action needed!” link next to a biller, simply click the link to see the error and make the necessary updates.
Is there a way I can view my payment history?
The "Reports/History" feature allows you to do a variety of tasks quickly, such as analyzing spending habits and searching up to 24 months of payment history within BMO Harris Bill Pay. Use either the default reports, or customize and save your reports to meet your reporting needs. Go to the "Payments" tab, click the “Go To Reports” link on the right under the Activity tab, or select the Help tab and click the "Report/History" icon to view and manage your financial reports.
What if I need to pay my bills faster?
If the biller has an option for expedited payments, a "Pay it faster" link will appear next to the biller once it is selected or as an option under the biller name. Click the link to set up the expedited payment, and accept the terms and conditions to proceed with the expedited payment. Note that a fee will be charged for expedited payments. Please refer to the Deposit Account Disclosure for your deposit account for more details.
What is BMO Harris Total Look®?
BMO Harris Total Look is a free online money management tool that helps you save time and simplify your financial life. It gives you a clear picture of your accounts including checking and savings, online investments, credit cards, mortgages, loans and more – even if they're not with us – all in one secure2 location, with one password.
What sorts of things can I use Total Look for?
There are many ways Total Look can help you simplify your life. You can view your account balances and history from both BMO Harris and non-BMO Harris accounts in one convenient location. Personalize a budget, set goals and easily track your progress. And stay on track and worry less by setting up alerts that automatically notify you when balances are too high, you're close to your credit card limit, or large withdrawals or deposits have been made.
How do I sign up and start using Total Look?
To access BMO Harris Total Look, log in to online banking and click the Total Look tab. Click Enroll Now, and review and accept the terms in the BMO Harris Online Banking Services Agreement. That's it! You are now ready to start using Total Look.
Why don't I see my BMO Harris Credit Card and investment accounts?
At this time, these accounts are not automatically added in Total Look. They can be manually added by logging in to online banking and clicking the Total Look tab. In Total Look, click Link an Account, search for the BMO Harris Credit Card or investment account you want to add, enter the account information and click Link Account.
Can I customize Total Look for my needs?
Yes. Customizing your Total Look experience is easy and can be done in minutes. Simply select the apps you want to see on your main page when you log in. You can also organize your information by using account nicknames and personal transaction categories to make things even easier.
How can I add account in Total Look?
It's easy to add accounts in Total Look. Simply click on the Total Look tab, then click Link an Account and either enter the account you wish to add or select from a list of popular accounts. Enter your online login information for the account being added and click Link Account. Then, simply click Continue and you're all set! The account will instantly appear within Look.
How can I update an account in Total Look?
It's easy to edit accounts in Total Look. Simply click on the Total Look tab, go to Accounts and click Account Summary. A list of all your accounts in Total Look will display. Choose the account you want to edit by selecting the account and clicking the Edit tab. Edit your account information, then click Update and you're all set.
How can I set up a budget using Total Look?
To set a budget in Total Look, select Budget, then under the Income tab, set a monthly budget goal for each income category. Next, select the Spending tab and set the monthly budget for each expense category. Click Track Budget to track your budget status.
How can I use Total Look to start saving for a goal?
To set a savings goal in Total Look, under the Budget tab, select Save for a Goal. Choose one of the goals listed or create your own custom goal. Enter the goal information and click Next. Enter the contribution amount and frequency, and click Next. That's it! Your goal is created and you can track your progress.
How do I set up alerts?
To set up alerts in Total Look, go to Manage, select Alerts, and a list of alerts based on the accounts that you have added in Total Look will be displayed. Alerts that you set up will be sent to the email address associated with your online banking account.
What are External Transfers?
External Transfers is a service available through BMO Harris Online Banking that allows you to transfer money between your BMO Harris Bank Personal Checking and Money Market Checking Accounts and an account you own at another U.S. financial Institution.
Can I participate?
You can participate if you have a BMO Harris Personal Checking or Money Market Checking Account and a Personal Checking, Money Market and/or Savings Account at another U.S. financial institution.
Which BMO Harris accounts are eligible for External Transfers?
Retail Checking, Money Market Checking, Wealth Retail Checking, and Money Market Checking Accounts.
Can I transfer funds to another person through External Transfers?
No. You must have authorized access to the external account in order to add it to your profile.
Can I send money internationally through External Transfers?
No. You can only send money to a U.S. domestic account that uses U.S. Dollars as its currency.
Is there a fee for this service?
No. There is no fee to make an External Transfer.
How long does it take to make a transfer?
External transfers can take between 2-3 business days.
How quickly are my funds available?
|Transfer type||BMO Harris account||External account||Details|
|Transfer from the External account into BMO Harris account – Standard||Transaction displays on transfer date and up to 2 business days hold||Transaction displays within 2-3 business days||Day 0 - Hold on full amount
Day 1 - $200 available
Day 2 - Remaining amount available
|Transfer from the external account into BMO Harris account – Real-time||Same day||Same day|
|Transfer from BMO Harris account to the External account – Standard||Transaction displays on transfer date||Transaction displays within 2-3 business days|
|Transfer from BMO Harris account to the External account – Real-time||Same day||Same day|
What are the transaction limits for External Transfers?
The transaction limit for External Transfers is $5,000 per transaction and $5,000 daily limit for External Transfers for Retail and Premier Customers. Private Bank Clients are eligible to higher limits. The transaction and daily limits are raised to $9,999.99 for instant/real-time transfers and $25,000 for standard transfers. If you are a member of the Private Bank, please contact your Private Banker directly.
Why do I have to verify my identity when adding an external account?
For your security, BMO Harris needs to confirm that you’re the owner of your Online Banking profile as well as the external account you’re adding to External Transfers in Online Banking. We will perform additional validation to confirm your identity and make micro deposits into your external account to confirm it is yours. After providing details about your external account, you’ll be prompted to select one of the phone numbers so we can call you to confirm the security code that appears on your screen. The phone numbers listed should be recognizable to you. If your phone number is incorrect, please call the Client Contact Center at 888-340-2265 or your Personal Banker for assistance.
What if I don’t receive the authentication call?
If you don’t receive the call, this could be an indication that the phone number entered in our records is incorrect.
What are micro deposits?
Micro deposits are small deposits, under $1.00, that are made into your external account to validate the account and routing numbers you provided.
How quickly after I confirm the micro deposit can I make an External Transfer?
What happens if I don’t receive the micro deposit?
If you don’t receive the micro deposit, you may have entered invalid information. You’ll need to restart the process of adding the account again. You may call our Client Contact Center at any time for assistance.
What happens if I incorrectly input the micro deposits?
You have three chances to enter the micro deposit amount. After the third try, you’ll no longer be able to validate the account. You’ll need to remove the account and restart the process of adding the external account.
Will I get a notification to verify my micro deposit?
Yes, you’ll receive an email notification as soon as the micro deposits are ready to be confirmed. Subsequent reminder emails will be sent every 7 days until the micro deposits have been confirmed, the account has been deleted by you, or until the account expires after 45 days.
How long will I have to confirm the micro deposits?
You’ll have 45 calendar days to confirm the micro deposits. If the account is not confirmed within 45 calendar days, the account will be inactivated and you’ll need to remove the account and restart the process of adding the external account. You will receive an email notification alerting you that the process will need to restart if the micro deposits are not confirmed within 45 days.
Is there a limit to the number of External Transfer accounts I can set up?
No, there is no limit.
When am I eligible to participate?
You must be an active customer for 90 days before the service is available. If you have been a customer of the bank for 90 days, and open a new eligible account, you can do External Transfers immediately with that account.
Available to BMO Harris Bill Pay® customers only. Add bill payment to your online banking account by signing on to BMO Harris Online Banking and clicking the Payments tab, then the Enroll button.
1. Certain conditions and limitations apply. Our 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 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.
2. Visit bmoharris.com/security for details
Quicken® and QuickBooks® are registered trademarks of Intuit Inc. Microsoft® is a registered trademark of Microsoft Corporation in the United States and/or other countries.
Visit the BMO Harris Security Center for details.