How to Close a BMO Account Online: A Comprehensive Guide

Are you considering closing your BMO account, but are unsure of how to do it? This article covers three straightforward options: online banking, mobile app, and customer service. We'll guide you through each process step by step.

Online Banking Solution

As an online solution seeker, you can close your BMO account in a few steps. Here’s how:

• First, log into your online profile on BMO’s official website.
• Next, go to the “Customer Service” section.
• Look for “Account Services,” and click on it.
• Proceed to select “Close an Account.”
• Follow the prompts until you receive a notice that your request has been processed successfully.

Remember, ensure that your account balance is zero before you initiate this process, as any existing balance might hinder your account's closing.

BMO Mobile App Method

If you prefer using mobile applications, BMO has made provision for you to close your account conveniently. Here’s how:

• Start by logging into your BMO mobile app.
• Next, tap on "More" located at the bottom right of the interface.
• Look out for the “Customer Service” option and tap on it.
• Find the "Account Services" section and tap on the “Close an Account” option.
• Follow the ensuing instructions to successfully close your account.

Keep in mind that you must have a zero balance in your account to use this method.

Contacting Customer Service

If you are more comfortable working directly with BMO’s customer service, there’s a provision for this. It does not require any online interface; all you need is a phone. Here’s how:

• First, call BMO’s help-line at 1-877-225-5266. If you're calling outside Canada, use this number instead: +1 416-922-2432.
• Next, follow the voice prompt to speak to a customer service representative.
• Make sure you have your account details, including your account number and personal info ready as the rep will ask these for verification purposes.
• Let the rep know that you wish to close your account.
• They will guide you through the process over the phone and provide instructions for any further steps you may need to complete.

Note that business days are the best time to call to ensure you’ll be attended to promptly.

In conclusion, closing your BMO account is simple if you know the correct processes to follow. Choose the method that you're most comfortable with, but always remember to clear your account balance first. You can double-check if your account was duly closed after a week or two by calling BMO customer service again for confirmation.