Report fraud
Notice unusual activity on your account or got a strange email saying it’s from us?
Here’s what to do.
Suspect you’ve been a victim of fraud?
Have you noticed unauthorized activity on your account? Think you may be a victim of a scam? Find out more about how you can protect yourself.
Call us or visit your local branch, and then take these steps to secure your accounts from fraud.
Have you received a suspicious email or text from BMO? Report it.
Phishing is one of the most effective ways cybercriminals attack. Don’t reply or click on any links in unsolicited or suspicious emails or texts.
To report a suspicious email: Send the email to us as an attachment and delete it from your inbox.To report a suspicious text message: Take a screenshot image of the message on your phone, email it to us as an attachment, and delete the message.
Find out more about phishing.
Suspect you've been phished? Report it and follow these next steps.
Remember: BMO will never contact you via unsolicited email, text or phone call asking for sensitive information, passwords or PINs. If you get a call, voicemail, email or text from someone claiming to be from BMO and you think it’s suspicious, contact us immediately using the information on the back of your card.
Report a vulnerability
If you’ve discovered a potential security vulnerability, here’s how to report it to us.
BMO Digital Banking and Bill Pay Service Guarantees
We’ll reimburse you for any losses to your personal banking accounts from unauthorized transactions through BMO Digital Banking. As well, if we fail to process a properly scheduled bill payment in BMO Digital Banking in accordance with your instructions, we’ll reimburse any late charges assessed by the biller.
To ensure reimbursement, you'll need to take a few steps to protect your account information, as outlined in our BMO Digital Banking Agreement.
F A Qs
Keeping an eye on your accounts can help you prevent fraud. Remember to check your bank statements regularly for unfamiliar transactions using BMO Digital Banking or paper statements.
If you suspect that someone has gained access to important personal or financial information, or if you see anything unfamiliar, contact us at 1-888-340-2265 or visit your local BMO branch.
If your credit card has been lost or stolen, please refer to BMO Cardholder Resources and call the appropriate number immediately. When you receive a new card, make a note of the contact number on the back of the card. Save this number so you can manage your card any time, from anywhere.
For ATM/ debit cards, or if you have any other questions, contact us at 1-888-340-2265.
Phishing scams are common, but there are ways to spot them before it’s too late. A legitimate company will never send an unsolicited email asking you to log in to your account through a link or attachment or provide sensitive information.
Other common characteristics of phishing emails include:
- They’re often unsolicited and contain links or attachments.
- The 'reply-to' field may have an address that’s unrelated to the one in the 'from' field.
- They can be poorly written or contain spelling and grammatical errors.
- Check out our or more details
If you receive a strange-looking email from BMO and you suspect it might be a phishing scam, forward the email to phishing@bmo.com.
How we protect you
Your security is essential. Find out how we keep you and your info safe when banking.
How you can protect yourself
Learn how to avoid fraud and cyber threats with security tips, trusted software and more.
Certain conditions and limitations apply. Digital Banking Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the Digital Banking Guarantees for full details, please visit bmo.com/en-us/legal.