Home : Security


We work hard to protect your confidential information and privacy when dealing with us online. A secure login process and strong encryption are only the first steps in helping to prevent anyone from accessing your account information online.

When you connect to the Internet, the Internet also connects back to you. Even before you connect to one of BMO Financial Group's web sites, someone out there could potentially get access to your computer. Also, as you surf the Internet, there is a trail of information left behind.

Please review these important topics so that we can ensure our mutual security.

Checklist for safe online banking and transactions

What We Do:

•  Encryption: Some sections of our sites use strong encryption technology to help ensure that data passing between your PC and our web server is secure, therefore you must have a browser that supports this level of encryption (in technical jargon: 128 bit encryption).
•  Digital Certificates: We use digital certificates, issued by trusted third party companies, to let you know that our site is secure and genuine.
•  Firewalls: Some sections of our sites use powerful firewalls to protect your account information.

What we don’t do:

We never send you messages asking you to provide us with confidential or account information via email or telephone. Please keep in mind that email messages are insecure and not encrypted. If you're ever in doubt about a phone call or email from us, please contact your relationship manager using a known legitimate number.

What you can do:

The following are security measures you can take to protect your confidential information when you use the Internet.

1.  For online banking and transactions:


•  Always verify the web site name in the “Address” or “Location” field at the top of the browser, for example www.bmocm.com.
•  Protect your IDs, passwords, PIN numbers and credit cards. Do not divulge your passwords, IDs and PIN numbers to anyone.
•  Change your passwords regularly.
•  Always log off to end your secure session. We will automatically log you out of a secure session after a set period of inactivity.
•  Once logged off, delete all traces of your secure session from the memory of your computer by clearing your cache.

•  Using software that "memorizes" passwords. While convenient, somebody else might be able to use them too.
•  Leaving your computer while logged into any password-protected sites or applications.
•  Sending confidential information through email, as it is NOT a secure method of contact.
•  Using a computer in a public place (for example, in a library or an Internet Café) to conduct financial transactions with us.

2.  For general computer security:


•  Use up-to-date antivirus software.
•  Consider using a personal firewall. You can use either a software-based or hardware-based firewall.
•  Protect your computer, especially if you are using a cable modem or DSL connection, by disabling file sharing in Windows products.
•  Update your operating system and browser with security patches on a regular basis. Check Microsoft's Windows O/S, Internet Explorer and Netscape web sites frequently for recently published security patches.
•  Back up your data regularly.

•  Sending any confidential information (including SIN/SSN, account numbers, passwords, PINs) via regular email.
•  Opening files or attachments when accessing websites, newsgroups or chat rooms, unless you are very sure of their authenticity.

3.  For general banking security:


•  Report stolen/lost cheques, credit and debit cards immediately.
•  Review your monthly financial statements and report any discrepancies and/or unusual account activity.
•  Sign your debit/credit cards as soon as you receive them.

•  Sending any confidential information (including your account numbers, credit card numbers, PINs and passwords) via email. Remember: emails are not encrypted.

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