BMO Digital Banking
June 21, 2024
More About BMO Digital Banking
• Sign on even faster using Biometric Finger Print ID
• View and manage your credit cards 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 Android™ 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.
2If 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.
Android™ is a trademark of Google Inc.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Latest Version
17.7.67
June 21, 2024
BMO Bank National Association
Finance
Android
1,075,080
Free
com.bmoharris.digital
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User Reviews
A Google user
6 years ago
This entire experience of the switch is a mess. As a software engineer, I can tell you that there's no excuse for this switchover to be so catastrophic. Everything should have been tested extensively, prepared, and debugged for a very long time before launch, which itself should have been a very smooth turnover. I also got NO NOTICE that banking would be down and am missing a payment on rent right now because of it. I am locked out of the app after entering the (correct) code texted to me.
Emily D
5 years ago
If I could give this app a negative amount of stars I would. I've had nothing but problems. Everytime I log in I'm prompted to get a code sent by text or email, Everytime I copy the code and go to enter it in the app, the app resets and prompts me for another code. Basically I'm locked out of the app. If by chance I don't get locked out, even though my password is saved, I have to type it in 3 times before it's accepted. It's the EXACT SAME PASSWORD. I'm about to switch banks. This is garbage.
Jim B
4 years ago
This app is trash. Seems to only work during business hours, which kind of defeats the convenience of having a banking app. When it does work, its spotty/unreliable. Has been this way for a long long time. Doesn't look like it'll ever improve at this rate. Right now, I'm trying to make a deposit, but the app straight up won't open. Can't even log in. Rebooted my phone, uninstalled and reinstalled, checked for updates. Nothing will help. Will be closing my BMO account asap.
Cub cub
2 years ago
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.
Co Jeeper
1 year ago
This app has one critical flaw that makes the user experience extremely frustrating. Every other app in the world will let you hit the back arrow to go back to the previous screen or exit the app entirely when you are at the mai screen. But the designers of this app have decided to block the back arrow functionality entirely. I can't go back to the previous page and can't exit without hitting the home button. Blocking fundamental functionality is very poor UI design.
A Google user
6 years ago
Horrible! I am a business customer and tried to use the mobile cash and received the "you do not have access". Worked in the old version! Also very slow! The pin screen takes a long time to load and have to press the numbers slow for them to be recognize. I hate the new interface, very slow and clutter looking. Still cannot transfer between business and personal accounts (can do with Chase app)... Horrible, which I can go back to the prior app...
A Google user
6 years ago
It appears that whoever was in charge of the design of this app has no idea about user experience design or user needs. That is besides the fact that the roll-out of this app was a complete disaster and one has still to deal with flaws that are basically not acceptable. I was so glad to see that there is now a fingerprint sign-on until the feature quit working. Now I'm back to passcodes. Some things worked nicely in the old app. For instance, typing an amount in pay bills and the decimal point was added automatically. It's now gone. And the total waste of screen space. I understand that larger fonts are an accessibility issue but if the app would have been designed in a smart way this could have been handled by turning on an option. Next the bill payment feature. You go in and want to check activity so you tap pay bills and then view activity because you want to check if you'd already payed a bill. Then you click done and you end up on the home screen instead of the pay bills screen. Selecting pay bills the next screen shows select your biller. Well, what do you think I want to do when I select pay bills? It's mind boggling. Maybe it's time to switch banks ...
A Google user
6 years ago
I love banking with BMO and the new app is great, when it's working. It seems like every time I try to use the app, it's down for maintenance. Even BMO online banking on the computer is a hassle. Every time I go on the app or computer to access accounts, the online banking is down for maintenance. I have bills to pay and am so frustrated that I can't go access my accounts, find my balances, budget and pay my bills using online bill pay. Something needs to change. Very disappointed!
Michael Adduce
3 years ago
App crashes 9 out of 10 times when I attempt to deposit a check through the app. Happens right when the camera activates. That 1 out of 10 times that it doesn't crash, the "Image cannot be validated" error pops up when I hit submit. The picture is clear as day against a black background. Same way I used to do it every other time with no issue. Suddenly as of a month ago, I've been having this issue non stop. Uninstalled and deleted cache at least 20 times now, still having issues (Galaxy S22)
Regular John
1 year ago
Positive reviews are all bots. The app is terrible. It takes too long to load, which is the immediate turnoff. It's too difficult to lock your debit card, but this function is easy with a credit card. Menus are odd looking and confusing. Whole app needs scrapped, get a new team. We deserve a good app after the BOTW merger. This is a downgrade. 👎
Haydn Griffith
1 year ago
I mainly use this app for mobile deposits. The check image capture is very sometime-y - sometimes it works as expected and the image capture process is smooth; too often though, while saving the image, the app will log out and I will have to log back in to restart the process again (even if the "Remember Me" option is selected at login). This can happen multiple times in a row, so some days I am unable to deposit checks, without any knowledge of the source of the problem.
Mark Janssen
1 year ago
They are the worst bank ever. Even if you have preferences set to decline overdraft charges, they will still let autopay charges go through. Then customer support is useless and won't remove the overdraft fee for the transaction you did not authorize. Also if you have any loans through them, you can't change autopay status unless you go to a branch and by the time that happens, it might be too late.
Cheeto Dust
1 year ago
You can barely use mobile deposit because it can not detect the 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.
Lee M
1 year ago
hard to navigate and find the links I'm looking for. won't let you use the back button on phone. App won't let you navigate away to a different screen once logged out. You have to collapse all open screens and swipe the page away (Android device). Can't use quick balance unless you have a lock on your phone. You can't click on transactions to see details, you are unable to get any kind of details at all for your transactions unless you call customer service. Bad design compare to BOTW website
Sharon Landry
1 year ago
A terrible app run by an awful bank (my bank was bought out and absorbed by them, which is why I have to deal with them for now). Constantly refuses to accept established biometrics and passwords. Awful use of AI and algorithms for chat (though I suppose that rings true for the bank in general). New problem: Not only are the issues above still a problem, but I'm now being blocked from viewing my own accounts, and I can't update viewing preferences when directed to do so. Useless app.
Search Party
1 year ago
Once again the app is not working to deposit checks. Their suggestion of deleting the app didn't help. ******************** This app keeps having problems. I was forced to change banks, at least the app should work better. And Zelle doesn't work on here at all. Your chat doesn't work. Zelled doesn't work. I can't talk to a human. The AI/automated service doesn't register anything, it hangs up on me and there are no options to speak to a human. I am pretty close to just switching at this point.
Wendy Mena
1 year ago
I find it so Stupid that your app or credit card doesn't allow to cancel or edit a payment! Every other bank app allows it! But with this Bank you need to jump through hoops, pick up the phone and call them only for them to tell you they can't see it nor help you?! Call back again in a few hours and try again?!!! It's ridiculous! Just let your customers cancel or Edit the payments!!!
D C
1 year ago
This so is Spyware. They acknowledge selling your personal information. Information that has nothing to do with banking of using their app. Like recording your keystrokes and what you click on, what other apps are installed on your device, network settings and mac address, how you use your device, they even capture clipboard events (everything you copy and paste). What legitimate purpose can they be using that for? I'm uninstalling the app and closing my BMO accounts.
Kyle Brown
1 year ago
The app is useless and the bank is horrible to deal with. This bank bought out Bank of the West which my auto loan was through. I can no longer make the payment through the app, there is not a way to pay on the website, customer support is clueless on what to do, the list is never ending. Thanks to BMO they have made it nearly impossible to refinance and unbearable to deal with. This is absolutely the worst bank I have ever dealt with.
Lynn Pokey
1 year ago
I would give this app a minus 5 stars if I could. It's always been a chore to try and get to where you need to go, but then it won't let me get into my account, say this info doesn't match. Then custom service doesn't know how to change it. I've been going through this for months. Just fed up with it. If I go back to paper I get chged. I'm on tight budget and need to save money where I can. Sick of the headache!!!
