Benefits
Find out what you can do with cross-border banking
Whether you’re a snowbird, a frequent traveler or a Canadian who works in the U . S ., B M O can help take care of your banking needs on both sides of the border.
Do you travel frequently between the U.S. and Canada?
We can help you:
Save U . S . dollars before you travel
Send U . S . dollars to the U . S . and access them when you’re there
Shop with U . S . dollars
Are you a snowbird who lives in both the U . S . and Canada?
We can help you:
Save, transfer and shop in U . S . dollars
Pay bills in the U . S . and Canada
Buy a vacation property
Are you a Canadian working or studying in the U.S.?
We can help you:
Handle day-to-day banking on both sides of the border
Buy a home in the U . S .
- Take care of your U . S . investment needs
Looking for private wealth cross-border solutions? Check out BMO Private Wealth
Banking Solutions
Two countries, one seamless banking experience
We make cross-border banking easy in the U . S . and in Canada.
Get a personal checking account with BMO U.S.
Access your account via B M O Digital Banking (U . S .) and enjoy being able to:
- Deposit U . S . checks footnote 2, footnote 12
- Use online tools to transfer funds footnote 3
You can also:
- Get a B M O Debit Mastercard® with no transaction fees at Allpoint® and B M O A T Ms in the U . S . footnote 4
- Pay U . S . bills
- Access your account at B M O U . S . branches
Get a credit card with B M O U . S .
Pay in U . S . dollars and choose one of our B M O U . S . credit cards that meets your spending and rewards needs footnote 5
Get a mortgage with B M O U . S .
Find the support you need with:
- Lending solutions that help you buy a home in the U . S . footnote 6
- A mortgage program that allows credit decisions to be based on your Canadian credit history, something that not all U . S . lenders do
Get a U.S. dollar checking account with BMO Canada
Access your account via B M O Online Banking (Canada) and enjoy being able to:
- Deposit U . S . checks footnote 7
- Pay Canadian bills
- Use online tools to transfer funds to B M O U . S . footnote 8
Get a Canadian dollar checking account with BMO Canada
Access your account via B M O Online Banking (Canada) and enjoy being able to:
- Pay Canadian bills
- Transfer U . S . funds via B M O Global Money Transfer
- Withdraw funds from U . S . A T Ms footnote 13
money movement
How to do cross-border money transfers
From Canada to the U.S.
Your options include:
- BMO Canada to BMO U.S. Transfer – send up to USD $25,000 per transaction online from your B M O Canada U . S . dollar account to your B M O U . S . deposit account footnote 8
- BMO Global Money Transfer – send money from your B M O Canada Canadian dollar checking account to your B M O U . S . deposit account
From the U.S. to Canada
Your options include:
- BMO Canada Wire – send up to USD $50,000 per transaction footnote 9, footnote 10 through B M O Digital Banking (U . S .) from your B M O U . S . deposit account to your B M O Canada U . S . dollar account for no fee
- B M O International Money Transfer – visit a B M O U . S . branch to make a U . S . dollar wire transfer from your B M O U . S . deposit account to your B M O Canada account. We’ll waive the transfer fee, but other fees will apply footnote 11
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U . S . cross-border banking FAQs
At B M O U . S ., we're pleased to welcome our Canadian neighbors by making cross-border banking simple and convenient. Whether you’re a frequent visitor to the U . S . or enjoy extended stays, we offer Canadian clients U . S . products and services that help make cross-border banking seamless. We can help meet your financial needs whether you live, vacation, shop or study in the U . S .
No, you can use your Canadian address.
Yes! B M O U . S . personal credit cards come with great benefits and rewards and are available to our Canadian customers. If you’re a B M O customer in Canada interested in a B M O U . S . credit card, please call 1-888-214-6720 or visit any B M O U . S . branch to apply or get more information. Certain eligibility requirements apply. footnote 5
Yes. B M O U . S . can provide lending solutions to qualifying customers footnote 6 who are looking to purchase residential property in the United States. You may refer to a Gateway Mortgage Banker at a B M O branch or to the B M O Cross-Border Banking Hotline, available at 1-888-214-6720.
You can access your B M O Canada CAD account to withdraw U . S . cash at B M O U . S . A T Ms. footnote 13 You cannot access B M O Canada U . S . dollar accounts to withdraw U . S . cash at B M O U . S . A T Ms. B M O Canada accounts cannot be accessed through B M O U . S . branches.
Can I view my B M O U . S . and B M O Canada accounts together online?
Yes you can, with BMO Total Look, which is available through B M O Digital Banking (U . S .).
Can I download the B M O Digital Banking (U . S .) app footnote 12 even if I’m in Canada?
Yes, the app is available through the U . S . Apple App store and the U . S . Google Play store. Please contact your hardware provider if you have any questions about accessing the U . S . Apple App store or Google Play store.
How can I pay my U . S . bills?
You can pay U . S . bills from U . S . companies and financial institutions using B M O Bill Pay, available through B M O Digital Banking (U . S .) and the B M O Digital Banking (U . S .) app. footnote 12
Is there a fee if I use a B M O Canada Debit Card to withdraw U . S . cash at B M O A T Ms?
As a courtesy to B M O customers, B M O does not charge an A T M surcharge fee when you withdraw cash at any B M O A T M. footnote 13 A network fee may apply. Foreign currency transaction fees will apply.
How can I pay for fuel with my B M O U . S . debit or credit card on a terminal that requires a zip code?
Use the three numbers from your postal code and add two zeroes at the end when prompted for a five-digit zip code at the pump. For example, if your postal code is M1A 2B3, the five-digit number you enter is 12300.
Ready to get started? Let’s chat
Call our Cross-Border Hotline
Our team at the B M O U . S . Customer Contact Center can help with your banking needs. footnote 1
Come in and talk to us
Our in-branch teams can help you find the banking solutions you need.
Terms and Conditions:
Footnote 1 details Representatives are available Monday through Friday from 9:00 a.m. to 9:00 p.m. Eastern Time (ET) and Saturday from 9:00 a.m. to 8:00 p.m. ET.
Footnote 2 details Mobile Deposit is available using the B M O Digital Banking (B M O U . S .) app. This service may not function on older devices. Users must be a B M O Digital Banking customer with a B M O U . S . account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, please see the B M O Digital Banking Agreement found at bmo.com/en-us/legal.
Footnote 3 details If 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.
Footnote 4 details When using a B M O U . S . debit card, Foreign Transaction Fees will apply at B M O and Allpoint® A T Ms located outside of the United States. When using a B M O Canada debit card (i.e., not a B M O U . S . debit card) you may be charged a fee in the U . S . When using a B M O U . S . debit card at an A T M that is not owned or operated by B M O U . S . or Allpoint®, the A T M owner or operator may charge you a surcharge fee for a withdrawal, transfer or balance inquiry.
5 To be eligible for one of our U . S . credit cards, customers will need to meet certain minimum relationship standards, including having:
- an existing B M O Canada chequing, savings, or investment account. When we review this application, the B M O Canada chequing or savings account must be open for at least three months with a minimum balance of CAD $1,300, or the B M O investment relationship must be open for at least three months with a minimum balance of CAD $13,000; and
- a B M O U . S . chequing account in good standing. When we review this application, the B M O U . S . chequing account must have a minimum balance of USD $1,000.
Participation in B M O Flex Rewards is subject to terms and conditions found in the B M O Flex Rewards Program Rules, available at www.bmo.com/bmoflexrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back. All accrued points or cash back not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. All cash back is redeemable in the form of a statement credit.
6 Applicant must meet one of the following eligibility requirements: be a new or existing client of B M O Private Bank; be a new or existing B M O Premier Services client; be a new or existing depository client with at least USD $25,000 in deposit accounts at B M O Bank N.A. or at least USD $25,000 in deposit accounts at Bank of Montreal; or be a Senior Executive/Business Owner of an existing corporate client, with the corporate client meeting the minimum requirements of USD $25,000 in deposit accounts at either B M O Bank N.A. or Bank of Montreal. For additional details and requirements, please contact a B M O Mortgage Banker.
- 7 Depositing U . S . dollar checks to your B M O Canada U . S . dollar account can only be made at B M O branches in Canada. B M O U . S . branches cannot accept deposits to B M O Canada accounts.
8 Transfers to B M O U . S . accounts before 4:00 p.m. ET will be completed within the same business day, provided it is not a weekend or a statutory holiday in Canada or the U . S . Any transfer submitted after 4:00 p.m. ET will be processed the next business day.
- 9 Transfers from money market chequing accounts are subject to the following standard money account transaction limitations: Deposits of any amount are allowed at any time. The number of withdrawals or transfers from money market accounts are unlimited when made in person at B M O, at an A T M, by messenger, transfers for Overdraft Funding, or by a request by mail or speaking to a telephone representative to have a cheque made payable to you. We limit all other withdrawals or transfers, including those made by Cheque, POS, ACH, wire, automated telephone banking, online banking, and transfers to repay B M O loans, to a combined total of six per month or monthly statement period. A fee may be charged for transactions that exceed this limit.
10 The service is only available Monday–Friday, between the hours of 8:30 a.m. Eastern Time (“ET”) – 4:00 p.m. ET, excluding U . S . federal bank holidays. Future-dated and recurring transfers are not allowed.
11 A correspondent bank fee will be deducted from the amount transferred. For details speak to your B M O Banker. An incoming wire transfer fee may be charged to your B M O Canada account. For details speak to your B M O representative.
12 Message and data rates may apply. Contact your wireless carrier for details.
13 B M O surcharge fee is waived when you use your B M O Canada Debit Card at a B M O A T M. A per-item transaction fee may apply, subject to your B M O account and/or the monthly transaction limit of your Bank Plan. You are not able to access U . S . dollar accounts linked to your B M O Canada Debit Card; A T M withdrawals can only be completed from your B M O Canada Canadian dollar account(s) at B M O A T Ms. A network fee charged by B M O Canada, may apply at some B M O U . S . A T Ms. Foreign currency exchange rates will apply.
Disclosures:
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U . S . and other countries.
Android, Google Play, and the Google Play logo are trademarks of Google Inc.
B M O Private Bank is a brand name used in the United States by B M O Bank N.A. Member FDIC. Not all products and services are available in every state and/or location.
“B M O Wealth Management” is a brand name that refers to B M O Bank N.A. and certain of its affiliates that provide certain investment, investment advisory, trust, banking, and securities products and services. Investment products and services are: NOT A DEPOSIT – NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY – NOT GUARANTEED BY ANY BANK – MAY LOSE VALUE.
“B M O Financial Group” and “B M O Bank of Montreal” are marketing names (also referred to as trade names or brand names) used by Bank of Montreal.
B M O Private Wealth is a brand name for a business group consisting of Bank of Montreal and certain of its affiliates in providing private wealth management products and services. Not all products and services are offered by all legal entities within B M O Private Wealth. Banking services are offered through Bank of Montreal. Investment management, wealth planning, tax planning, and philanthropy planning services are offered through B M O Nesbitt Burns Inc. and B M O Private Investment Counsel Inc. Estate, trust, and custodial services are offered through B M O Trust Company. Insurance services and products are offered through B M O Estate Insurance Advisory Services Inc., a wholly-owned subsidiary of B M O Nesbitt Burns Inc. B M O Private Wealth legal entities do not offer tax advice. If you are already a client of B M O Nesbitt Burns Inc., please contact your Investment Advisor for more information. B M O Nesbitt Burns Inc. is a Member – Canadian Investor Protection Fund and is a Member of Canadian Investment Regulatory Organization. B M O Trust Company and Bank of Montreal are Members of CDIC.
“B M O (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used under licence.
U . S . and Canadian dollar chequing and savings accounts offered by Bank of Montreal in Canada are eligible to be insured by CDIC.
B M O Bank N.A. is an affiliate of Bank of Montreal and is not a Member of CDIC, CIPF or the Canadian Investment Regulatory Organization (CIRO).
Banking products are subject to approval and are provided in the United States by B M O Bank N.A. Member FDIC