4.6
47.7K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Bank on the go from your Android™ smartphone anywhere, anytime with the BMO Digital Banking app. We’ve updated the design for a cleaner look that’s even more convenient to use! It’s secure¹ and super easy to:
• View account balances and activity
• Sign on even faster using Biometric Finger Print ID
• View and manage your credit cards alongside your other BMO accounts
• Send money to friends and family with a bank account in the U.S. with Zelle®
• Track your accounts – even if they’re not with us – with BMO Total Look
• Transfer money between your BMO accounts2
• Deposit checks by taking a picture with your Android™ camera³
• Schedule and manage bill payments
• Turn your debit or ATM card on and off and get real time alerts⁴ – with BMO Card Monitor

Visit bmo.com/usmobile to learn more.

¹ Please visit bmo.com/us/security for more details.
2If 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.
³ Mobile Deposit is available using the BMO Digital Banking app. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, see the BMO Digital Banking Agreement found at bmo.com/uslegal.
⁴ Message and data rates may apply. Contact your wireless carrier for details.

Accounts are subject to approval. BMO Bank N.A. Member FDIC

Third party web sites may have privacy and security policies different from BMO. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of websites reached through links from BMO web sites.

Copyright 2023, BMO Financial Corp., All Rights Reserved.

Android™ is a trademark of Google Inc.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Updated on
Jan 30, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Financial info
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
46.4K reviews
Joe B 3
February 13, 2026
Limited on what you can and can't do, and there's no prompt that tells you you're gonna have to wait days for a check deposited through the app. When they were Bank of the West I only had to wait maybe 6 hours and ALL the funds were available. Which is why I'm going to be switching to another institution by the end of the month. GOOD RIDDANCE!!
7 people found this review helpful
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BMO Bank National Association
February 13, 2026
Hello Joe, thank you for your rating and review. We are very sorry to learn of your experience with our Mobile Deposit feature. Hold times on deposited can vary based on amount, time and day of the deposit, if assistance is still needed, we would be happy to further review with you. Please give us a call at 888-340-2265, we are here to help!
deb Rodriguez
February 6, 2026
I have been having issues logging in for the past 2 days. it states that my info doesn't match their records but I haven't changed anything. It doesn't even recognize my email and I've had the same email for YEARS. I'm really frustrated, especially since i have to waste my time to fix a problem that someone or something else has caused for me.
18 people found this review helpful
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BMO Bank National Association
February 6, 2026
Hi Deb, if you haven't already called in, I would ask that you please give us a call at 1-888-340-2265 as we would need to take look at and verify your information with you in order to ensure that you can access the app successfully. - Ted
Rena Rawr
March 17, 2026
This is the absolute worst Bank ever! If I could give them negative stars, I would. I was extremely happy with BOTW. Then it was purchased by BMO & everything went downhill. You schedule a payment online before the due date & a week later, they are calling you telling you that your payment is late & that your payment hasn't "processed" through their bank yet, so you need to verify all your info & payment info & you'll be getting late fees...because they havent processed it yet. What BS is that?!
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What’s new

We're always working to improve the banking experience, update includes:
• Enhanced the image capture functionality within mobile check deposit.
• Prioritizing your feedback, we optimized our systems to provide you a better banking experience.
• Minor bug fixes and performance improvements.
Turn on automatic updates so you always bank with the latest features & enhancements!