Quality degradation at BMO Digital Banking  
Users report higher volume of Quality Issues than usual
39
poor

BMO Digital Banking | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
-18 Points Past 7 Days
Category: Finance
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30-Day Trend
 
Poor
 
Fair
 
Good
 
Epic
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Android unitQ Score
Android User Feedback
66%
Android
48 Reports
iOS unitQ Score
iOS User Feedback
34%
iOS
25 Reports
User Feedback
34%
iOS
25 Reports
66%
Android
48 Reports
BMO Digital Banking - Latest Quality Issues
Android
Sep 5, 2024
New account, won't allow me to login. Exact same login info works fine in a web browser.
Android
Sep 7, 2024
This app never works properly. I have literally spent 45 minutes trying to deposit a check. But it still keeps giving me a system error. And that they're gonna get it fixed. This bank, their app... plain junk. I'm trying to run a business here. But I can't deposit checks, and there are always issues with accessing the bmo app. Ridiculous at this point
iOS
Sep 7, 2024
Not as easy to use as other banks
I don't enjoy trying to do business on this app. It's more difficult to use than other apps. When BMO took over my account from Bank of the West they doubled the interest rate on my loan making the payments so high I may never get it paid off. I would never use BMO voluntarily.
Android
Sep 8, 2024
BMO's the worst bank I've ever had the misfortune of dealing with. I signed up for a checking account and was locked out as I attempted to fund it. Neither email address nor phone number could be used to verify my identity. Instead I was provided a number to customer service, which proved as backwards as the app. I'm grateful I didn't deposit money, else BMO would've held it ransom, as it required I provide notarized declaration of identity. I highly recommend folks stay away from BMO
Android
Sep 8, 2024
BOTW changed over to BMO. At first BMO mobile banking was ok...Then it became horrible. Mobile deposit doesn't work anymore. It keeps giving me error messages "no endorsement on back of check". I've called customer service and no improvement. I uninstalled the app, added it back, and again, same error message. I'm unable to go to a branch office. BMO please fix the problem.
Android
Sep 8, 2024
Mostly okay, but why can't I set an alert to notify me of deposits ??
iOS
Sep 9, 2024
Terrible
The banking is awful, I would give 0 stars. The banking record is only accurate, if at all for three days mid-week (Tuesdays, Wednesdays, and Thursdays) if you're lucky. I had to go with their take-over from Bank of the West … no real choice unless I wanted to change banking and all related for all my contacts. I'm still looking into this. Transferring money between accounts sometimes does not resolve for days even if the money is available… it makes no sense. And customer service is horrible or nonexistent or it it exists it is with foreign representatives who barely understand English. I am seriously upset with this bank and stupid app. And forget their website … it doesn't work anymore. Oh, and the iPad app doesn't work at all. I had to delete it twice …. I tried it a second time and immediately had to delete it as it did not work at all … did not let me log in even though my info was exactly the same. 😡🥺😖
Android
Sep 9, 2024
It doesn't handle increased display or font size properly. many features can't be used with out setting them to default. but then I can't see them.
Android
Sep 11, 2024
Horrible online experience! I find this the worst banking app I have ever used. I've had to call 6 times in the ladt 6 months, and have been told they couldn't help.I need to go to a branch, which the one I used to go to( closest to my location) closed permanently. I work a 9-5 job so I can't go within thrif hours. I'm planning to move my business elsewhere very soon, unless someone at lease tries to be of service.
BMO Digital Banking - Product Description
Bank on the go from your iPhone® anywhere, anytime with the BMO Digital Banking App. We’ve updated the design for a cleaner look that’s even more convenient to use! It’s secure¹ and super easy to: 
•	View account balances and activity
•	Sign on even faster using Touch ID®
•	Withdraw cash using your smartphone with Mobile Cash²
•	Access your credit card account alongside your other BMO Harris accounts
•	Send money to friends and family with a bank account in the U.S. with Zelle
•	Track your accounts – even if they’re not with us – with BMO Harris Total Look®
•	Transfer money between your BMO Harris accounts 
•	Deposit checks by taking a picture with your iPhone® camera³
•	Schedule and manage bill payments
•	Turn your debit or ATM card on and off and get real time alerts⁴ – with BMO Harris Card Monitor

Visit bmoharris.com/mobile to learn more. 

¹ Please visit bmoharris.com/security for more details.
² BMO Harris Mobile Cash® is available for BMO Digital Banking smartphone apps only. For details, see the BMO Digital Banking Agreement at bmoharris.com/legal. Users must have a BMO Harris debit or ATM Card. Even though a physical card isn’t used to access Mobile Cash, the service use is subject to daily transaction limits for your card. If you don’t know your card’s daily transaction limits, please ask your banker or call 1-888-340-2265.
³ Mobile Deposit® is available using the BMO Digital Banking smartphone app.  This service may not function on older devices.  Users must be a BMO Digital Banking® customer with a BMO Harris account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal.  For details, see the BMO Digital Banking Agreement found at bmoharris.com/legal. 
⁴ Message and data rates may apply.  Contact your wireless carrier for details.
Accounts are  subject to  approval.  BMO Harris Bank N.A. Member FDIC 
Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of websites reached through links from BMO Harris web sites.

Copyright 2018, BMO Financial Corp., All Rights Reserved.
iPhone®  and Touch ID® are trademarks of Apple Inc., registered in the U.S. and/or other countries.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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