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How to protect your debit card and PIN number

Canadians use debit cards millions of times a day at banking machines and point-of-sale terminals to access their accounts and make purchases.

About debit card usage:

  • Debit card use is an extremely safe banking process - debit card fraud affects only a small percentage of accounts.
  • BMO Financial Group has sophisticated security systems and fraud teams in place to protect your accounts.

Taking steps to protect your debit card and PIN will help reduce your own risk of being a victim of fraud.

Here are some tips to help protect your debit card and PIN:

  • Use your hand or body to shield your PIN when you are conducting transactions at an ATM or at a point-of-sale terminal.
  • Never let your banking card out of your sight when conducting a transaction at a point-of-sale terminal. Always remember to take your banking card and transaction record with you once your transaction is completed.
  • Regularly check your statements and balances to verify that all transactions have been properly documented. If entries do not accurately reflect transaction activities, you should contact your branch immediately.
  • If your banking card is lost, stolen or retained by an ATM, notify your BMO Bank of Montreal branch immediately.
  • Your banking card and PIN are the keys to your account(s). Never disclose your PIN to anyone... not even to a BMO representative. You are the only person who should know it.
  • Memorize your PIN - it's your electronic signature. If you suspect that someone knows your PIN, change it immediately or contact your BMO Bank of Montreal branch to cancel the card.
  • When selecting your PIN, never use obvious information - such as, your telephone number, date of birth, address or social insurance number / social security number.

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