Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
Privacy Notice
📋 What Information We Collect
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and employment information
- Account transactions and transaction history
- Credit history and investment experience
- Contact information such as address and phone number
🔄 How We Share Your Information
All financial companies need to share customers' personal information to run their everyday business. The table below explains:
- Reasons financial companies can share personal information
- Reasons BMO Bank N.A. chooses to share
- Whether you can limit this sharing
| Reasons we can share your personal information | Does BMO Bank N.A. share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes—information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes—information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don't share |
To limit our sharing: Call toll-free 1-888-654-0063
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
🔒 How We Protect Your Information
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include:
- Computer safeguards and encryption technology
- Secured files and buildings with restricted access
📥 How We Collect Your Information
We collect your personal information, for example, when you:
- Open an account or deposit money
- Apply for a loan or use your credit or debit card
- Seek advice about your investments
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
⚖️ Why Can't I Limit All Sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state laws.
👥 Joint Accounts
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to you only, unless you tell us otherwise.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial or nonfinancial companies.
Our affiliates include companies with a Bank of Montreal or BMO name.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
BMO Bank N.A. does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include credit card companies.
🌴 For California Residents
We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by California law, such as to service your account. To authorize the sharing of this information, please call us toll-free at 1-888-654-0063. In addition, we will limit the sharing of information about you within the BMO family of companies to the extent required by California law.
🌲 For Vermont Residents
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Additional information concerning our privacy policies can be found at bmo.com/en-us/main/about-us/privacy or call 1-888-654-0063.
🌵 For Nevada Residents
Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-654-0063.
Nevada law also requires we provide the following contact information for questions about this notice:
BMO Bank N.A.
320 South Canal Street, Chicago IL 60606
Your.Privacy@bmo.com
1-888-654-0063
For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101. Phone number: (702) 486-3132; email: AgInfo@ag.nv.gov
Questions? Contact Us
📞 Call toll-free:
🏦 Talk to a banker at a BMO branch
💼 Talk to your assigned account representative
📧 For general banking service inquiries:
📍 BMO Bank N.A.
320 South Canal Street
Chicago, IL 60606