BMO Digital Banking

4.8 (80.8K)
45.1 MB
Age rating
Current version
BMO Bank National Association
Last update
2 months ago
Version OS
13.0 or later
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User Reviews for BMO Digital Banking

4.76 out of 5
80.8K Ratings
2 months ago, Del_B_49
After discovering BMO’s extra security features, I refuse to bank anywhere else!
BMO Bank has a security feature that requires you to provide an automated phone system password and also a live representative password. Even if your personal information has been compromised by someone, they will need either the automated phone password or live representative password before they can obtain any banking information. If anyone tries to skip the required automated phone password entry, they will be immediately transferred to a live phone rep., who will ask for the live phone rep password. When I first opened my BMO bank account, I was sold and also relieved because my old bank, US Bank, does not have this security feature. 😉👍🏾
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9 months ago, Sharchen Norbu
Good when it works
I’m one of the many Bank of the West customers who are now BMO customers due to the merger/takeover/whatever. I loved Bank of the West so much that I stayed with them after moving to a place where there are no physical BOW banks. BMO has not done well by comparison. I get that glitches happen when there’s a merger. But the regular crashing of the app and web site, including inability to read FaceID, plus the mediocre customer service, is troubling. Every time the app or website fail, the answer from customer service is to either delete all cookies or get a temporary password and then change the permanent one. I’ve had yo do that 4 times in two weeks. After reading other recent reviews, many of us are having the same problems, yet customer service seems completely in the dark about it. It would be so smart if BMO both kept their cs staff informed of widespread issues AND gave them permission to share with customers that the issue is systemic and being worked on. That would be caring. Instead, today’s cs person suggested I “write down” my password for future 🤣 In essence he treated this customer like a buffoon who had a problem because she didn’t write down her password! Wanna know what’s even more troubling? BMO isn’t posting any response to the numerous bad reviews. What’s up with that?
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3 months ago, MaliceInCyberland
Very Flakey System
It is so utterly peculiar how every time I sincerely need to look at something on my accounts around 1am cst, the entire system is down. The same thing happened around the globe in Laos which is ~12 hours ahead of America. After lunchtime something happened to me in Luang Prabang, and I was in a real pickle (no pun inten…); it was probably The Most Important Time in my Life that I ever so desperately needed to access my two BMO accounts… and the system was down for maintenance. I have only needed to access my accounts in the middle of the night with serious need just a handful of times… and each time the system was down. In all honesty I’ve accessed my accounts in the middle of the night just fine… however, I’m not exaggerating… the desperate incidences when I really needed access to my accounts after midnight the BMO digital banking system was down for maintenance. There was even a time when I was given early notice from BMO that their digital banking system would be down for THREE DAYS, and I seriously needed access to my accounts one of those days… at least I knew which made things better… not! I can go a month without checking my two BMO accounts… but it’s so weird their system is down for maintenance at the utter most inconvenient times… Quite phenomenally odd and frustrating…
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3 months ago, HorseNumber1
Latest update: I need to sell stocks to pay for my mortgage but in this app I don’t find any SELL button in the BMO/LPL stock account after navigating here and there for more than half an hour. Is this the way how BMO hoards Customers’ assets to back their liquidity? Previous comments: 1. it takes more than 30 seconds during daytime trading hours to load the investment account view 2. at night, investment account view almost never loads after waiting for minutes such that I am unable to see its balance/current value 3. while opening the app, sometimes it redirects to BMO’s wealth management ads page rather than showing me the login page; then it needs several clicks to reveal the login page; this is a waste of my time and my phone’s battery life 4. investment account’s current value is not displayed alongside with checking account’s current balance; it repeatedly needs the user to click and approve before redirecting to LPL Financial’s investment account view, which has problems 1 and 2; this is such a waste of the user’s time. PMs of this app’s investment feature should be fired. Download banking/trading apps from Chase, Wells Fargo, American Express, Robinhood, MorganStanley, E*Trade, … you name a few. Play around with them and get a sense of how a modern finance app looks like!
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5 years ago, Paragon3
Solid App
Reading through some of the recent reviews, have to say that I don’t really understand what people are complaining about and think most of the criticism is a bit harsh & unwarranted. I think people need to just chill. BMO is clearly making progress with their mobile/online redesign and compared to what came before it, this is a significant improvement. The design is modern, information about accounts is presented clearly and navigation is intuitive, and all the various features (Face ID, mobile deposit, bill pay, Total Look, etc.) work just fine. I haven’t really had any problems except for brief login issues really late at night (possibly overnight updates?) which are resolved within the hour and not a big deal. Another minor complaint I have is that some of the functions (e.g. bill pay or debit card controls) display in what appears to be an overlaid browser window rather than directly/natively in the app - the design of those pages is a little clunky and inconsistent with the rest of the app. However, I’m sure BMO’s developers are already aware of that and will improve things in time.
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2 years ago, Magneticnorth124789
lacking compared to any other bank portal
The long drawn out multi year chaotic update of the BMO Harris app completed last year and good news , the app is now somewhat functional. like you can check your balance and use biometrics to login. I applaud the progress. Still, this app works as a sales tool and not a customer portal. Beyond checking your balance or making a simple transfer, you’ll be stuck in endless loop of being removed from the app and asked to login to bmo harris on a browser site version and then being told to do it on the app. BMO Harris is the only bank I have that i still have to call into the 1800 number to get things done, or actually visit their bank in person during bankers hours when i need to take time off work to do so. The dysfunction continues at the BMO Harris App. Don’t just clap and give this five stars, as a customer you are worth more than this. And every competitor BMO has realizes this and delivers more powerful and higher functioning apps.
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4 months ago, angelb333
Don’t trust being backed by this bank
I used my credit card to purchase a flight. The flight cancelled on me and I spent months trying to get help to get my money back. I was given the runaround having multiple calls dropped. BMO kept telling me they would try to help and yet told me it’s not in their power to help. I was told I have to call the airlines and travel companies and after multiple attempts BMO said it’s not in their power to do anything. I was under the impression that if I bought something with my credit card it was insured. After 2 months of going back and forth thinking there was hope on getting my money back BMO said there was another department called alliance that could help me. I was on the line waiting for (no joke) 52 minutes before someone finally answered my call and said they couldn’t help me because I didn’t pay for a yearly fee for my credit card. I have not at all been impressed with the changes from bank of the west to BMO and am currently looking for a new bank.
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2 months ago, TcatThunderMeow
Daily login problems
I’m a new customer and probably soon to be non customer. I opened an account because my other bank is online only. I was expecting a more functional, traditional and easy experience - I didn’t realize I’d actually have to go to the brick and mortar bank to check my balance since I’ve had to change my password every single no … every SINGLE day! I can no longer remember my passwords and now I can really not log in. I resorted to taking a screenshot of my passwords and it lasts max 48 hours before again - tho I have don’t absolutely nothing - I’m not able to login to my account anymore. Pretty frustrating when I am awaiting to see if my paycheck came in. It’s really funny that each time I try to use an old password that I might remember - BMO knows I’ve used that password - hilarious because they all stopped working for no reason whatsoever. At least be so kind to keep letting me use them as I doubt having screenshots of all the new one on my phone is very secure … ridiculous
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3 months ago, cacuccia
Inconsistent mobile check deposit success
For the most part, BMO’s app is fine. I miss Bank of the West’s as it was more reliable. My main issue with BMO is the inconsistency in its ability to recognize a check when attempting a mobile deposit. I follow all instructions: shot against a dark background, adequate lighting, check endorsed in proper place and proper placement of check. Sometimes it accepts both images the first time but there are times like today where it took seven attempts. First the error message was that the check wasn’t endorsed. It was. I use the same endorsement stamp every time. After receiving this error message four times, I signed the check above the stamp. The next attempt was rejected because the account and routing numbers were not visible. They were. Tried again. Next error message was to flip check. The check was in the correct position. Tried again. Finally, it went through. Very frustrating.
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6 months ago, pkb
App is not consistent
I moved from Bank of the West where the app worked perfectly well. With this app i have not had good experiences. Just getting to my a account information is a struggle, especially with touch ID. It sometimes shows the screen to authenticate with touch id and mostly it does not. Sometimes I can click on touch id login button and it recognizes a touch. Most of the time it just wants me to enter my password. Is this inconsistency a security feature? None of my other 5 bank apps use it. Frustrating. The other challenge is that once I see my accounts, i attempt to click one open and it will not register my touch. I bang it several times with my finger and somehow it will open. This only happens on the screen where I access my account, sometimes while choosing the account for my check deposit. Another security feature??
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3 years ago, Toniasvabek
Honest review
I’m not one to leave a review but I am completely fed up with this app. It crashes and has problems more then it doesn’t. I keep trying to sign into the app and it will tell me constantly that “there is t an account with that information”. Now unless the bank deleted my account, there is no reason it should tell me that over and over. Not to mention is is always under “construction” and when it comes back up there are no changes, and just as many bugs as before. They only times the app works well is when I get lucky one day and it’s working good. Other then that it’s a pain to use. Not only to mention there is no way to contact the bank about small questions without calling or emailing. No live chat, or anything like that. It is very inconvenient that I can’t contact someone directly about a problem, instead of having to call and waste 30 minutes for a question that could be answered in 2. Please do better and fix your app!!
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8 months ago, Lmbcoaco
Great Banking app with few issues here and there
I’ve used this app for years and BMO is the only bank I’ve ever used, so I really don’t want to complain at all. There’s rarely issues and they get fixed quickly normally, but right now with the new agreements I have to accept, it won’t let me continue past it to check my balances or anything after selecting accept on both and clicking continue, I just stay at the same page repeatedly pressing continue. If there is a fix for this I would love to rate 5 stars, so please let me know!! Small update: this issue is also happening on the website so I am unable to access anything on my accounts. Final update: issue has been fixed so 5 stars it is!
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2 years ago, Shooter1465
Ok app. Terrible company.
I recently received financing on a vehicle loan through BMO Harris at the recommendation of the dealership. Everything was great until it came time to make a payment, it takes up to 7 days to process a payment from an outside bank. The alternative is to open an account with them, so i tried that. With the online application (after i logged in from my auto loan) it said they could not provide an account to a non-US citizen (i am and have always been a US citizen) so i entered all new information and it said it couldn’t verify my identity and to call, so i did. The rep on the line advised “it’s basically the same thing over the phone, so you should just go into a branch and save us both the time.” Terrible customer service and too many hoops to jump through. I will be refinancing my auto loan with another lender as soon as it is logical to do so and will not be recommending BMO Harris to anyone else.
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11 months ago, Mamalinaaa
As an employee to a customer, I truly enjoy the BMO APP, by FAR the BEST online app anywhere and along websites. I do understand the glitches and hard lock it occurs but is it truly better than any other bank app/website! I say this because from the two banks I’ve been with their app was fairly easy but it was also very boring to the eye and constantly took you to different site just to do stuff. But with BMO?! Amazing, very fun. Everything’s all there! You must play around with it to understand to use it. Don’t be scare to get lock out or make a mistake. BMO back office and branch will help unlock you app/website. Just be honest about what happen! I love that I can transfer funds/Zelle all from the app!
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4 months ago, handonthebible
Bank or scam
Im genuinely concerned. I signed up and they took like two days to draft the money from old bank. Took like 3 more days before it showed up in BMO and it’s now been almost two weeks and i still don’t have a bank card. No vitural or temporary card. Nothing. I signed up to get the 600$ but I’m honestly terrified to use them as a bank assuming I do ever get a card. Edit I got the card. It never got better. I got this account because my other bank wasn’t local and I wanted to be able to transfer and deposit money locally. The first Zelle transfer between my own two verified through BMO accounts took 5 days. I can understand the first one getting established. Every single transfer after that took 3 days!! And it never got any quicker. I can Zelle money to complete strangers and they get it instantly! Something isn’t right here. I closed my account. Entire experience from beginning to end was absolutely awful.
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3 months ago, SueDuzy
A bank of great customer service
BMO Harris review walking in the door go through the drive-through I'll call on the telephone. Customer Service is always delightful, pleasant knowledgeable, patient and kind and always influenced by the word. Is there anything else I can help you with with the customer service that BMO Harris Bank has to offer with the tellers and a drive-through and the customer service over the phone there's no way this bank would ever be replaced by computer drones is always a delight to call in or to it's an honor, walk up. Everyone is so friendly, even a the security guards are knowledgeable, polite and stern. I am so honored to be a part of this bank and they're growing possibilities.
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3 months ago, Maly Heng
Excellent customer service
Went to a local branch at Elk Grove CA twice , to open a new banking for the entire family . Ms DeEtta Sanchez at the branch was very nice , first to help set up my mom (79 years old) account, secondly then brought my teen child . Ms Sanchez went above and beyond to get the teen account set up . I really enjoyed the service and would like to command Ms Sanchez on her great customer service . I like to encourage every one to give this BMO bank a chance . What’s a difference in service if I have to compare the service w Wells Fargo ( 27 years w them ), Chase and Bank of America ! These 3 banks only have big name but provide poor service, they don’t care much about the customers …
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2 months ago, Troy Gresham
First, BMO is a horrible banking experience. I would make payments, and mark principal only, and then they would still put the whole amount towards interest. I can’t tell you how many times I would call to correct this, only to have the over seas call center argue with me and tell me they will be keeping the full amount towards interest. Then I would have to escalate the call to a manager to correctly put my payments towards principal. This probably happened 5 times. And now, they completely changed the layout of the app so I know longer have the option to make my loan payments through the app. I didn’t choose to do business with BMO- I was with bank of the west and apparently they merged, which also caused all sorts of problems. I would get notices in the mail that my payment was past due, even though the app would say I have no payment due. WORST BANKING EXPERIENCE EVER.
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2 years ago, Bn1mbl3
After the latest update have to reboot phone to use dumb app
Fix this app! I should not have to conpletely power off my phone and reboot every time I want to use this app. After the latest update the app freezes on a white screen and is completely non-functioning. The only fix I have found is to do a complete power off and restart of my phone. Obviously this bank is too cheap to do any QA testing before pushing updates. Also apple is dumb for not allowing you to downgrade when the newest version of an app doesn't work, which happens often because all these developers are too cheap to actual test their apps before pushing updates. So now I’m stuck with a non-functioning bank app until the bmo decides to hire a competent dev team. Total garbage! Makes you wonder where else BMO Harris is cutting corners. You are a BANK! You have money! Stop being cheap and hire some real developers!
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3 years ago, Don McD
Can’t Log In
I had trouble logging in even though I was using the correct information and keying it in every possible way. I can login in on the website when not using the app. Talked to customer service and they checked with the tech staff and said they were unaware of any problem logging in. I just paged back a few ratings and apparently it is a problem. Something is very wrong with your system of communications as well as the apps. At the time, the iPhone app worked and the iPad app did not. Now neither will let me on. I agree with the complaints that it the app is not intuitive, but I addressed that in a survey so I will not repeat myself. The problem persists. Now, In addition I frequently just get the splash screen wit no way to get to a login page.
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5 months ago, Pansyknitter
IPhone problems
I loved this app until I started having problems. First, transfers between accounts stopped working. Then, ability to see individual account transaction is almost impossible and only works occasionally. Got a notice that the app no longer supports my internet browser or operating system. I tried going to website using both Safari and Chrome but neither works. Which leaves me believing that is an iOS issue. I wish they’d fix the app or internet site for my iPhone. It’s a lot easier to pick up my phone, which is always on me, than pull out my computer.
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1 year ago, JeremiahSa
Locked out because of a Text Message Authentication Error
I encountered a glitch last week when I logged in and they needed to verify by text message. It told me to retry later, so I did. After 3+ days of trying later, I went to my MacBook to log in and it failed there, so I tried resetting my password. That worked for my personal account, but the business account said it was locked. So I spent 45 minutes the next day on the phone with customer support who claimed they couldn’t verify me because I couldn’t remember an account feature I set up 14 years ago and now I have to go into the bank during business hours. Oh, and now when I log into the app with my personal account, it claims it’s not my device, so I can’t use Face ID. It was all working fine till last week on the same phone. Is this what I pay $15/month for on my business checking account?
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5 months ago, RaidingJaguar456
I recently opened an account with BMO and I even jumped through their hoops of verifying my identity by pretty much sending them my life story. Considering what it takes to open account you’d think they would have an app that would recognize user names and passwords. It is the most aggravating chore trying to log into the app and then get a notice the the app doesn’t recognize the device. This after waiting on the phone for half an hour only for someone to tell me to reupload the app. I expect messed up stuff like this from Bank of America not BMO.
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2 years ago, Eco Dry
I gotta tell ya some of these reviews are crazy I’ve been with BMO Harris for 20 years and yes the app has some issues but so does every other app out there the reason I use Harris is because the people it’s a big bank but every time I go to one of the location for BMO I get small town service meaning everybody’s happy everyone’s willing to help if I call with an issue I always get an answer or the fix to the problem that 99% of all my issues are human error as in my human error. I never have an issue with the employees software can be adjusted and fixed people can’t and at least BMO Harris don’t have to fix their people. I’m a business owner myself and I have two checking accounts and one savings account and I would recommend BMO Harris Bank to anybody. You can’t judge a life time of great service for a app that is being improved, besides do we bank with banks for a website or app or for holding money and giving loans and has great customer service ? I say keep up the good work and thanks for the great service in the passed, present and of course the wonderful future. Much love. Thanks ECO DRY BASEMENTS TIMOTHY ENGELMAN
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2 years ago, Rynos84
Complete neglect of UX testing
The developer that designed this should re-evaluate their career choices. This app is so dated and it fails to do what modern apps already have been doing for years. The payment option will not be made available to users until they have a checking or savings account. If the user has a loan or a mortgage they can’t easily pay towards their balance. The easiest route is to open a checking account and schedule transfers, then schedule the payment towards the principle. This is so archaic and completely misses the mark. Also apparently no modern APIs are utilized to connect with other banks like so many other already have. Seriously you could use a middle man like Plaid, but instead you have user manually enter in their information. The login is extremely unreliable and never seems to remember the user. Then they use biometrics like face recognition but the app consistently forgets this setting. Last but not least when I attempted to sign in to open a new account it thought I was a non-us citizen. Really a non-us citizen with a SSN number. How the heck would I open an account in the first place if I wasn’t a U.S. citizen? Pure crap.
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3 years ago, robndi
Bank elsewhere
The app often forgets who you are. Tonight I had to verify a transaction I thought I paid. Could not get in. Did not recognize my password, email, ssn or work on the web. Called customer service who asked me to verify the amounts on the past several transactions. If I had those amounts with me I obviously would not need access to my account. So then, I had to answer random questions from my long credit history and was told by a supervisor they could not help me because I got one question wrong and was told she was unaware of any problems with the app or website. Well, is It not obvious there is a problem since a long time customer cannot get into their account? She suggested I go to the branch tomorrow, all of which are closed on Saturday. The only thing worse than the app is the customer service, STEER CLEAR!
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4 years ago, Atourina199
Recurring Payment Bug
I’m noticing a bug with recurring payments. For example: I have a credit card and checking account with BMO. I go to schedule a payment in the app and fill in the to and from friends, payment amount, and payment date. There is a field that display frequency of payment, but when I navigate to these other fields (to and from), the frequency field disappears entirely. You can move on to the next screen for confirmation, and then the frequency field shows up again, but as “Does Not Repeat.” I find this bug to be the only reason not to give the app 5 stars. I’ve seen other reviewers point this out and hope to see an update soon!
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5 months ago, Olive_The_Olive
Mobile deposit broken on iOS 15.8
This app frequently cannot access the camera when in mobile deposit. When logging in I get a message that my browser or operating system is no longer supported, but since I have an older phone that is no longer receiving the newest OS (just security updates), updating does not fix the issue. Mobile deposit is thing I use the app for the most, so this is frustrating. A banking app should be functional for all your clients, not just the ones with new phones. I am a client who came over with the Bank of the West merger. I know it was owned by BMO for a while, but I don't know why you would switch everyone over to BMO brand systems when they are worse. I never had issues with the BotW app, and it was more intuitive to use as well.
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4 years ago, DR1510
Can’t deposit checks??
I can’t seem to deposit a check via this app with the camera feature. Whenever I click, “deposit a check” the options to take both pictures of the front and back of a check come up like normal. However, once I click either option, I’m immediately sent to a blank screen that can’t exit out of without closing the whole app and having to start all over by reopening the app and resigning back in. I have the more recent update for this app as well so I’m not sure what to do, any advice?
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2 years ago, kamkam1001
Terrible Financial Institution
How can a major bank make changes, unannounced that destroys customer access to the app? In this day and age, online access to one’s account is a significant part of banking. I have been locked out of my business account for more than a week. Nothing has worked to fix this. They have basically hijacker’s access to my own account. As usual, BMO couldn’t care less about their customers. If you are considering which bank to go with, be forwarded that BMO will disappoint every time, and they couldn’t care less. I wish the government would investigate their consistent flaws. Something is deeply wrong with this institution. They are either incompetent, or (trying) to cover significant security flaws. Bottom line: The customer pays the price. Do not do business with BMO Harris.
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2 years ago, Scott11235813
Check Capture
Not sure if it was the latest iPhone iOS update or an app update, but the automatic check deposit capture no longer works. Instead of going the long length of the phone it tries going the width and it never works. I have to go thru the motions of trying it, then I get the option to manually capture and the camera goes to what it just to be, which is full length of the phone with the outlines of where the check number, amount, acct number, etc should be in the picture. Does the same thing when taking a photo of the back. Please work on this issue.
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2 years ago, Alyssalemay3
Love this bank
I used to bank elsewhere until my friendly banker had the opportunity to to grow Into what she was always meant to do and completely switch banks.. my family and close friends did as well to BMO Harris. It has been the best decision we have made for our financial future. The team members there are soo friendly. The bankers there make you feel so comfortable regardless the reasoning for being there (good or bad we’ve all been there (fraud 🙄) I hands down recommend BMO Harris and from experience above I speak of the Green Bay, Ashwaubenon (WI) location.
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2 years ago, no wind
Transfer history
Note to the app developers. When using the transfer history filters, it would be nice if an applied filter is set it should stay set until removed by the user. When looking for a transfer, when you open a particular item and then close it, you must start the whole process all over by resetting the filter and starting from the top of the list. It would be nice if the filter and location on the list were maintained once a filter is applied.
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4 years ago, mike89king
Crashes or logs me out every time i try to make a payment
I dont bank with bmo but i have an auto loan with them. I also like to pay my bill as soon as i can. That being said, the app doesn’t allow you on certain tabs such as account info, transfers, and pay bills. All of which should be accessible by anyone trying to pay them back. Instead you have to externally transfer money from one account to the loan account and it doesn’t exactly say that your paying the loan off, just transferring money to it. Paying a loan should be under the pay bill tab and give you an option of an external pay. The logging out and crashing come from pressing the tabs which are not available, but are the exact same tabs you would need to get to, to pay(in this case transfer).
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3 years ago, Greenrodeo
BMO Getting It Right
I enjoy banking with BMO and they continue to respond to improve customer service. Two things pleased me lately. First I had an issue with a monthly deposit that was delayed over the NewYears holiday weekend. In calling the bank they were able to track it and assure me the deposit was in their system and that it was the holiday/weekend combination that had slowed its transmission from the depositing source. Second, I find the recent changes to the BMO on line banking app have improved the service/convenience level greatly. Thirdly I find their local branch to be willing to provide help/guidance when called upon.
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1 year ago, Shawn675
Logging in has been a big pain recently.
Every week I pay off my credit card balance by logging in online. I usually pay for it through my phone and on my laptop. The issue I’ve been having every single time is that I get logged out, and on top of that the website says “sorry, your information doesn’t match our records”. I then proceed to reset my password every time since that is the only way I can login now. And apparently the password I write down every time, doesn’t work the next time. I like everything else about the app, but this login issue needs to be fixed as soon as possible.
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4 years ago, katthartt
No changes app crashes
I have been having issues since February with using my passcode and it’s been putting in the number twice. As of two days ago, the app keeps crashing, and I can’t even log in at all without it shutting down. It was working fine last week but since the new update it hasn’t been working at all. The bank, itself, is a good bank and reasonable, but the app has been acting up for a while now. I thought it was my phone but everything else is working just fine. Update: the app is still crashing nothing is being done and this doesn’t get fixed, I’m am forced to close both of my accounts. I can’t even log on anymore and when I use my laptop it keeps saying I’m entering the wrong password. Please fix this or I will take my business else where
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1 year ago, SALSAM3
Zelle is a BIG problem. Fix it!
I have had repeated “Payment Failed” transactions with Zelle followed by terrible communications/telephone calls with BMO customer service centers. Agents are unable to resolve problems after long frustrating waits. An agent after arguing with me eventually says they will send an email to the Resolution Desk which should respond in one to three days. Now my entire Profile is on HOLD. Arghhh!!! This has been going on for months now. Going to find a new bank if this is not resolved quickly.
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8 months ago, Braighleighe
At this rate going to get a new bank
My family is one of the many that are coming from BOTW and dear god I wish they never sold out. We’ve been using BOTW for over 10 years and since this switch we can hardly access our mobile app period and one of my parents rely on that to deposit checks remotely since we live in the country and the closest location is at minimum a 30 min drive. We’ve tried resetting the password 5 times, deleting cookies, making sure the app is updated and completely deleting the app and redownloading but we are consistently still having this same issue. Customer service is a joke and nothing has been fixed long term. Extremely disappointed in this new service. I’m
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9 months ago, SMMSU
Forced To Update Phone's iOS
Post Labor Day ‘23 weekend - BMO shut down their digital banking to do “maintenance.” After Labor Day, I couldn’t access my account with my phone and the app. I guess their new update requires account holders to have the most up-to-date operating system on their phones. There was little to no communication from BMO that this would be a requirement coming out of their Labor Day weekend maintenance. Now users are forced to update their phones in order to access mobile banking and their accounts. Some users don’t want to update their phones’ operating system out of their devices capabilities and range. Most people know constant updates on devices eventually drains that device’s life and wears it out. Another issue is that I told my customer service that the latest iOS was required, when clearly the app summary page shows only iOS 13.0 is required to use the app. In summary, other than these outstanding issues, the app worked just fine. Just lack of communication from company to customer/users.
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4 months ago, Brian of Ardagh
Constant Crashing
When the app isn’t crashing, it works very well. I haven’t had any issues using the banking functions, between crashes. On my iPhone 15 the app will crash many times while using it. The app looks like it is still running in the background but the screen is black. If I switch to it, I get the login screen. It is annoying at best and at worst it might cause a transaction to fail. Update: No more crashing since a recent update. Thanks devs.
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5 years ago, dbyrne US CT
Credit card function on new app
Hi, I am both a customer and an employee. The new digital app is much better than the old functionality, which is great. One thing that has always been missing in the credit card functionality is the option to set up a recurring automatic minimum payment. This is very common on platforms at other institutions, and gives me comfort that I will not accidentally forget a payment and incur fees. I don’t know if this is a conscious decision to forgo this functionality, but if not, I believe it should be implemented. Thank you very much for all your work. Dan
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4 years ago, Pond jumper
Needs Improvement
The large print format “easy to read” screen is annoying. I don’t need this. Few people need this. Please return to the smaller print formats. Your customers are not visually disabled. We need to see more information at a glance. Also, cannot sign on after a few uses. One of your BMO agents informed me over the phone, I should delete the app and download it again from my app store. He was correct, and I was able to sign on after this. But, shouldn’t you fix this problem?
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9 months ago, Anjedu
The first time I logged in after the merge with Bank of the West I had two fraudulent transactions posted to my account. Did as I was asked via email/text and was told I would hear from someone shortly. That was two days ago! Not only that but exactly how user friendly is an app when you can’t even find the account number, can’t enroll in direct deposit AND you have the same routing number as all the other clients??! That definitely explains why I wasn’t even with your bank a full 8 hours and already had money stolen from my account!! I’m livid. Soon as I resolve this absurd situation I’m switching banks. I’m so lucky the account wasn’t over drafted. This is EXACTLY why I haven’t dealt with banks for over 20 years!
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3 years ago, A consumed consumer 001
Debit card settings
The app is wonderful but it’s a bit aggravating to deal with changing your debit card settings. You have to go to a part of the app that makes you feel like you’re leaving the app and it’s slow to load. I wish they’d change it so it would be as easy to change settings such as limits, allowed transaction types, etc. as it is to transfer money from one account to another. 4/5 for that reason as I change my settings daily as I feel much safer when in control of my money.
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3 months ago, Swelch676
Worst banking app ever
I honestly don’t know how this app has such a good rating. It is useless. I can’t do ANYTHING, as it says I don’t have “access.” It says I don’t have auto pay set up for my loan, but two payments are taken out of my account every month, and I have reason to believe that they’re actually going to take 4 payments out this month. Two payments were taken out of my bank account on Monday and it’s still not reflected on my Bmo loan that a payment has been made. I can’t cancel auto pay on the app since according to the app, I don’t have auto pay set up. What is the point if I can’t do anything without calling customer service anyway? Worst banking app I’ve had the displeasure of using.
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2 years ago, skyline34
Great bank. Need new app developers
This is a review of the app. Not the Bank. BMO is great always given great service and not charged for everything like others. Their app needs little more help. For the most part it works fine and better than original. For whatever reason, it get glitchy every once in a while. Log in doesn’t work always on maintenance, etc. right now, log in doesn’t appear to work properly. Again bank is great; the app not so much
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3 years ago, Umc228
Horrible Bank
I’ve been with BMO for a couple of months. I have had every problem imaginable. Every time I need something done, it’s run to the bank. I went to deposit a check, nope, have to go to the branch to get authorized for that feature. I’ve been locked out of my account way too many times. (Tells me my password is incorrect, after 3 attempts you get locked out)They don’t have 24 hour account access, so either the number they provide is false, or they don’t have 24 hour access. The message says to call at 8 am. I’m fed up already with this bank. Never had these issues with my previous bank. Changed to BMO for convenience of the bank location. What a mistake!
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4 years ago, ReneeE05
This app is great!
I love the banking app, although a few days ago i started having trouble and I can’t get it to open on my phone. I have to click on it at least 7 times before it connects and opens. It’s really annoying but I know it will be fixed and the problem will go away. That being said, can I get that fix now? I’m giving it 2 stars so the development team sees this sooner, rather than later. This will not prevent me from using the app.
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5 months ago, Beachdays70
Great Access
Hello, I use the BMO App. To check my Checking Acct. status almost everyday. It’s so easy to get to, and I can see if I may have to question anything. Also how to transfer money within the Bank. I’ve tried to bring up my Statement, but being totally Computer Illiterate when it comes to Anything that has to do with knowing how to get to this and that once I’m in, I’m completely lost. I’ll get it one of these days. Thanks for your great Service!! Debbie Rossbach
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