How to Close Your BMO Bank Account: Online, Mobile, and Phone Options

The Bank of Montreal (BMO) offers versatile banking solutions, but there might come a time when you need to close your bank account. Maybe you're moving to a new bank or simply want to consolidate your accounts. Whatever your reasons, closing your BMO account can be done through online banking, the mobile app or by contacting their call customer service. Here is a simple guide to walk you through each option.

Option 1: Online Banking

One of the most convenient ways to close your BMO bank account is through their online banking portal. Follow these steps:

• Log in to your BMO Online Banking through their official website.
• On your account overview page, find the account you wish to close.
• There may not be a direct closing option, in this case, send a secure message to the customer service team, expressing your desire to close your account, detailing which account you'd like to close.
• Ensure all your transactions are completed and you have zero balance before you send this message.
• Wait for a reply on next steps to close your account.

Keep in mind that you may have to visit a physical bank branch if your account has a balance or outstanding obligations.

Option 2: Mobile App

If you prefer banking on your smartphone, BMO's mobile banking app is also an option to close your bank account. The steps include:

• Open the BMO Mobile Banking app and log in with your credentials.
• Go to "More" and select "Messages."
• Compose a new secure message to the customer service, indicating that you want to close your account and the reason for your decision.
• Follow the instructions that will be sent to your mobile app in response to your message.

Note: As with online banking, you would need to ensure all transactions are complete and your account balance is zero.

Option 3: Call Customer Service

If you rather prefer human interaction or immediate responses not possible through messages, you can close your account by contacting BMO's call customer service. Here's how:

• Dial BMO's customer service number: 1-877-CALL-BMO (225-5266).
• Express your intent to close your account.
• A customer service representative will guide you through the account closure process.

Keep in mind that you may need to provide identity verification over the phone, and like the other options, your account should not carry any outstanding balance or obligations.

Conclusion: Choose the Best Method for You

In conclusion, there are several ways to close your BMO bank account. Whether you use BMO's Online Banking, Mobile App, or Call Customer Service, you have the flexibility to choose the option best suited to your needs and preferences. Remember to check and resolve all financial obligations before closing your account to avoid any complications. Happy banking!

If you need help navigating the BMO online banking platform or mobile app or need more information about their call customer service, feel free to contact us. We're here to help!