BMO Customer Service, Fraud Help, Reviews and Complaints

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Information verified August 7, 2026. BMO operates banking businesses in both the United States and Canada, but the phone numbers and complaint procedures are different. This page primarily covers BMO Bank N.A. customer service in the United States. Canadian customers should use the separately labeled BMO Canada information below.

BMO U.S. Customer Service at a Glance

BMO Bank N.A. U.S. headquarters:
320 S. Canal St.
Chicago, IL 60606

The headquarters is not a general walk-in customer-service location. Account holders should call the appropriate department, sign in securely or visit a local branch.

How to Contact BMO Customer Service

Call 1-888-340-2265 for general BMO U.S. questions involving checking or savings accounts, debit cards, deposits, fees, online banking, account access, branches, loans and mortgages.

BMO states that Digital Banking password resets, lost or stolen debit-card reporting, and debit-card activation can be completed by phone 24 hours a day. Consumer credit-card service is also listed as available 24/7. Hours for other live representatives vary by department, service and day. Local branch hours vary by location.

For secure account-specific communication, sign in to BMO Digital Banking or use the official contact options associated with the account. Do not send account numbers, Social Security numbers, passwords, PINs or transaction details through ordinary email or social media.

Choose the Correct BMO Support Department

Checking, Savings, Debit Cards and Digital Banking

Call 1-888-340-2265 for:

  • Checking and savings account questions
  • Debit-card activation or replacement
  • Lost or stolen debit cards
  • Deposits, withdrawals and account balances
  • Account fees or unexpected charges
  • ATM transactions
  • ACH transfers, wires and bill payments
  • Direct deposits
  • Account restrictions or closures
  • Username, password or Digital Banking access problems
  • Mobile deposit or BMO app problems

For a problem tied to a particular financial center, use the BMO branch locator to find the local telephone number and branch hours.

BMO Consumer Credit Cards

The correct telephone number depends on the card:

  • BMO Platinum, Platinum Rewards, Cash Back or Boost Secured: Call 1-855-825-9237.
  • BMO Premium Rewards or Escape: Call 1-855-825-9238.
  • Calling from outside the United States: Call 1-262-780-8658.

These routes can assist with card activation, lost or stolen cards, unauthorized transactions, payments, statement questions, rewards, billing errors, replacements and transaction disputes. The number printed on the back of the card may provide the most direct routing for a particular account.

If a recognized merchant charge has the wrong amount, includes a duplicate charge or involves an undelivered purchase or missing refund, contact the merchant first when appropriate. If the merchant cannot resolve the problem, contact BMO and preserve receipts, return tracking and merchant correspondence.

BMO Business Credit Cards and Business Banking

BMO Business Platinum credit-card customers can call 1-855-825-9231. Customers calling from outside the United States can use 1-262-780-8660.

For general U.S. business-banking questions, call 1-888-340-2265, visit a branch or contact the relationship manager assigned to the business. Commercial banking and treasury-management customers should use their dedicated service team when one is listed on the account agreement or statement.

Loans, Auto Loans and Lines of Credit

Call 1-888-340-2265 for help enrolling in Digital Banking, locating loan information, making payments or finding the department that services a personal, automobile, boat, recreational vehicle or other BMO loan.

Before making a loan payment through a website found in search results, start at BMO.com or sign in to BMO Digital Banking. Verify the loan number, payment amount, processing date and confirmation number before closing the payment page.

BMO Mortgages and Home Lending

Call 1-888-340-2265 for mortgage application information, servicing questions or help identifying the correct mortgage-support department. Customers with an existing mortgage should also check their statement for a servicing number specific to the loan.

Important mortgage correspondence warning

BMO’s U.S. contact information currently lists the following address for a qualifying mortgage Notice of Error or Request for Information:

BMO Bank N.A.
Attention: NOE1290
1 Corporate Drive, Suite 360
Lake Zurich, IL 60047-8945

This is a specialized mortgage-servicing address, not a general customer-service, payment or corporate mailing address. Review your mortgage statement and BMO’s current instructions before mailing a time-sensitive notice. Consider using trackable delivery and retain a complete copy.

How to Report BMO Fraud or a Lost Card

Act immediately if money, a card or account access may be at risk.

  • For a lost or stolen debit card, suspicious banking activity or a compromised Digital Banking account, call 1-888-340-2265.
  • For a consumer credit card, call the number on the back of another BMO card or the appropriate verified credit-card number above.
  • Lock an eligible card through BMO Digital Banking when that option is available.
  • Change a compromised password from a trusted device and review recent transactions.
  • Ask BMO whether pending transfers, cards or Digital Banking access should be blocked.

BMO warns that it will not contact customers through an unsolicited call, email or text to request a password, PIN, Digital Banking credentials or one-time passcode. Caller ID can be spoofed. Hang up and call a trusted number from the card, statement or official BMO website.

Never move money, send a wire, purchase gift cards, install remote-access software or provide a verification code because an unexpected caller claims it is necessary to protect the account.

Visit the BMO Security Center and BMO Scam Alerts for current security information.

BMO Canada Customer Service

BMO Canada and BMO Bank N.A. use different support routes. Customers with Canadian accounts should not rely on the U.S. numbers above unless BMO specifically directs them there.

What to Have Ready Before Contacting BMO

  • Your country and the type of account or product involved
  • The last four digits of the relevant account, card or loan
  • The transaction date, amount, merchant and description
  • The date and method of any payment, deposit, refund or transfer
  • The branch, representative or department previously contacted
  • Copies of statements, receipts, letters, screenshots and payment confirmations
  • Existing case, dispute, fraud-report or complaint numbers
  • A short timeline and the specific resolution you are requesting

Provide sensitive information only after reaching BMO through a trusted official channel. Do not include private banking information in a public CSN review.

How to Escalate a BMO Complaint

  1. Start with the correct department. Call the product-specific number, sign in securely or contact the branch that handled the transaction.
  2. Explain the requested resolution. State whether you are requesting a correction, investigation, refund, fee reversal, replacement card, account access or written explanation.
  3. Request documentation. Ask for the representative’s name or identification, a case or complaint number, and the expected follow-up date.
  4. Ask for a supervisor or complaint review. If the first representative cannot resolve the issue, request escalation and note every transfer.
  5. Follow up in writing when appropriate. Include a concise timeline and copies rather than original documents. Use only an address or secure submission method verified for the particular product.
  6. Consider an appropriate regulator. U.S. consumers with unresolved financial-product complaints may use the Consumer Financial Protection Bureau or determine whether the Office of the Comptroller of the Currency handles the institution and issue.

Do not delay reporting an unauthorized transaction while waiting for a public review response or general complaint escalation. Banking, debit-card, credit-card and electronic-transfer disputes can be subject to deadlines. This page does not provide legal or financial advice.

BMO Customer Service Reviews and Complaints

At the time this page was reviewed, the CustomerServiceNumbers.com rating module showed 0 out of 5 based on 0 submitted reviews. The page is therefore unrated, and there is not enough CSN review information to identify positive or negative customer-service trends.

Customers who have dealt directly with BMO can help others by describing:

  • Whether the account was in the United States or Canada
  • The banking product or department contacted
  • The telephone, branch, app or secure-message route used
  • How long it took to reach the appropriate representative
  • Whether a case or complaint number was provided
  • What follow-up BMO promised
  • Whether the problem was ultimately resolved

Do not post account or card numbers, Social Security or Social Insurance numbers, passwords, PINs, verification codes, transaction-identifying information, home addresses or private correspondence.

BMO Customer Service Frequently Asked Questions

What is the main BMO U.S. customer service number?

Call 1-888-340-2265 for general BMO Bank N.A. customer service in the United States.

Is BMO customer service available 24 hours a day?

BMO lists 24-hour telephone access for Digital Banking password resets, lost or stolen debit-card reporting and debit-card activation. Consumer credit-card support is also listed as available 24/7. Other representative hours vary by department.

How do I report a lost or stolen BMO debit card?

Call 1-888-340-2265 immediately. BMO lists lost or stolen debit-card reporting as available 24 hours a day.

What number do I call for a BMO credit card?

Call 1-855-825-9237 for Platinum, Platinum Rewards, Cash Back and Boost Secured cards. Call 1-855-825-9238 for Premium Rewards and Escape cards. Check the number on the back of the card when available.

Can I email BMO about my account?

For account-specific questions, use BMO Digital Banking or another secure route provided by BMO. Ordinary email is not appropriate for account numbers, passwords, Social Security numbers or other private financial information.

What is BMO Canada’s personal banking number?

BMO Canada personal banking can be reached at 1-877-225-5266. Canadian and U.S. account-support routes are different.

Where is BMO’s U.S. headquarters?

BMO Bank N.A.’s U.S. headquarters is located at 320 S. Canal St., Chicago, IL 60606. The headquarters is not the best route for routine account service.

Related Banking Customer Service Pages

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers locate customer-service information and share their experiences since 2004. This page is designed to help BMO customers identify the correct country, department and official support route before submitting a public review.

Share Your BMO Customer Service Experience

Have you contacted BMO about checking, savings, a debit card, credit card, mortgage, loan, Digital Banking, fraud, an account closure, a branch complaint or missing funds? Leave a rating and review below explaining the route you used, the response received and whether BMO resolved the problem.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with BMO Financial Group, Bank of Montreal, BMO Bank N.A., the CFPB, the OCC or any related company or government agency. BMO does not provide customer support through this website.

Contact information is provided for consumer convenience and can change. Confirm important telephone numbers, mailing instructions, support hours and dispute procedures directly with BMO. Reviews and complaints represent the experiences and opinions of individual contributors. This page is not financial, legal, lending, credit, fraud-recovery or investment advice.

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