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

With the advent of technology, financial activity including cheque deposits has now become easier than ever. At the Bank of Montreal (BMO), you're offered three easy pathways to deposit your cheques online - through the online banking portal, mobile app, and by calling customer service.

Using BMO's Online Banking Portal

To begin with, BMO's Online Banking portal provides a simple and secure method to deposit cheques without having to physically visit a branch. Here's a step-by-step guide on how you can perform this task:

• Navigate to the BMO Online Banking website and sign in using your credentials.
• From the main dashboard, locate and select the “Deposit” option.
• Next, follow the on-screen instructions to deposit your cheque.

Ensure that you have a good quality image of your cheque, as you will be required to upload it.

Using the BMO Mobile App

BMO's mobile app is the pinnacle of convenience, allowing you to deposit your cheque with just a few taps on your smartphone. Here is how:

• Download the BMO Mobile App from your device's app store and log in.
• Select the “Deposit” function from the navigation menu.
• Choose the account you wish to deposit into and enter the amount.
• Next, you'll be directed to the mobile cheque deposit screen where you'll take a photo of the front and back of your cheque.
• Follow the prompts to deposit your cheque successfully.

Ensure that you have a clear picture of your cheque as blurry images could result in errors in your deposit.

Calling BMO’s Customer Service

If you are not confident in using online portals or mobile apps, BMO’s customer service is there to assist you. Here's how to deposit your cheque from your comfort zone:

• Dial the BMO customer service number which is available 24/7.
• Ask the representative to guide you through the cheque deposit process.
• Ensure that you have your cheque details on hand as you will be required to provide them for the deposit.

Note: There may be wait times due to call volumes and you may need to provide additional identification for security purposes.

In Summary

In the digital era, checking deposits no longer require a trip to the bank. BMO’s online banking website, mobile app, and customer service are efficient channels that offer you the comfort and ease of depositing cheques while at home or on the go, in a secure, user-friendly environment.