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Closing a BMO Bank Account: A Complete Guide

Whether you're moving abroad, switching to a different bank, or simply tidying up your finances, closing a bank account should be a straightforward process. If you're an account holder with BMO Financial Group, rest assured that you have a few different options available for concluding your banking relationship. In this article, we'll guide you through how to close a BMO bank account through online banking, the mobile app, and by calling customer service.

Option 1: Online Banking

Closing your BMO bank account through online banking is a very convenient method, especially if you're comfortable with using digital platforms. Here, we detail the step-by-step process.

• Login to your BMO Online Banking account and navigate to the 'Customer Services' tab.
• There, you should find an 'Account Services' option where you can select 'Close Account.'
• Follow the prompts and make sure to transfer any remaining balance to another account or withdraw it before proceeding.
• After submitting your request, you may need to wait for a confirmation from BMO’s end to ensure that your account has been successfully closed.

Remember to print or save any important account statements or documents for your records before proceeding.

Option 2: Mobile App

BMO's Mobile Banking App offers users the convenience to manage their accounts anytime, anywhere. Here's how to close your account using the app:

• Launch the BMO Mobile Banking App on your phone and sign in.
• Select the menu icon and proceed to the 'Customer Services' option.
• Under 'Account Services', select 'Close Account'.
• Ensure to transfer or withdraw any remaining balance in your account before submitting your closure request.
• Wait for a confirmation message from BMO regarding your account closure.

Just like with online banking, it’s crucial to download your account history or any relevant documents for future references.

Option 3: Call Customer Service

If you prefer speaking to a representative or not very tech-savvy, calling BMO’s customer service might be your best bet. Here's what you need to know:

• Dial BMO’s toll-free number 1-877-225-5266 and wait for the automated menu.
• Choose the appropriate options that guide you toward account closing.
• You will be transferred to a customer service agent, to whom you can express your desire to close your account.
• Remember to ask for a confirmation for your account closure and any necessary documents you may need for your records.

In conclusion, while closing a bank account may seem like a daunting task, BMO provides a variety of avenues for you to do so. Whether you prefer the convenience of digital banking or the personal assistance of a representative, the choice is yours. Remember to ensure all debts and credits are settled before taking the step to close your account to make the transition as smooth as possible.