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How to Deposit a Cheque Online with BMO: The Comprehensive Guide

In today's digital age, accessing and managing your finances have become much easier thanks to online banking platforms. Bank of Montreal, popularly known as BMO, is at the forefront of providing seamless experiences for their customers. One of the numerous services they offer is online cheque depositing. This article will guide you on three different ways you can deposit a cheque online with BMO through online banking, mobile app, and calling customer service.

Online Banking

Depositing a cheque online through BMO’s online banking platform is a straightforward procedure. This modern convenience eliminates the need to go to the bank, saving you time. Here is a step-by-step guide:

• Log into your BMO Online Banking account on your computer.
• From the main menu, navigate to the 'Deposit' option and select ‘Cheque Deposit’.
• Select the account into which you want to make the deposit.
• Enter the details of the cheque, including its amount.
• You will then be prompted to scan both sides of the cheque and upload the images.
• Review the details you've entered and submit the deposit for processing.

Mobile App

BMO also makes it possible for users to deposit their cheques through their mobile banking app— a feature which provides further convenience for its customers. Follow these steps to deposit your cheque using the BMO app:

• Download and log into your BMO Mobile Banking app on your phone or tablet.
• Find and tap the ‘Deposit’ function, typically located at the bottom of the screen.
• Choose the account you'd like the funds deposited into.
• Type in the amount printed on the cheque.
• Take photos of both the front and back of your cheque when prompted, ensuring all details are clearly visible and captured.
• Review your entries and tap ‘Submit’ to deposit the cheque.

Call Customer Service

If you're not comfortable depositing a cheque online or through a mobile app, calling customer service can be another feasible option. Here are the steps to follow when you want to deposit a cheque through BMO Customer Service:

• Call the BMO Customer Contact Centre at 1-877-225-5266.
• Provide your account information and other identity verification details to the customer service representative.
• Explain that you would like assistance depositing a cheque.
• They will guide you through scanning or mailing your cheque to BMO for deposit based on your comfort level and access to required technologies.
• Please note that this method might take longer due to mailing time and cheque clearing processes but rest assured, the BMO support team will walk you through it.

Banking has been simplified and modernized by digital platforms and services like BMO's online banking, mobile app, and their customer service. Whether you choose to use online banking, the mobile app feature, or the customer service assistance, BMO has made it easy to deposit cheques from the comfort of your home.

Always remember that a digitally deposited cheque can take a couple of business days to clear, and it's recommended to keep your physical cheques until you're sure that the deposit has been successful. With the above guides, depositing your cheque with BMO without having to step out should now be a breeze. Happy Banking!