跨境銀行服務 - 加拿大 BMO 私人財富

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Manage your banking both in Canada and the U.S.

As a BMO Private Wealth client, you have exclusive and direct access to a dedicated support team at BMO U.S. who specialize in cross-border banking. Your BMO Private Wealth professional will also collaborate with this team to ensure your cross-border banking is easy and seamless.

Dedicated
Gain exclusive access to a specialized team at BMO 美國
Seamless
Bank on both sides of the border with confidence.
便利
Bank wherever you are with BMO Digital Banking (Canada and U.S.).

使用BMO 滿地可銀行跨境銀行服務的好處

我們可以透過幾種方式來幫助您享受您橫跨美加兩地的生活型態。

Manage your U.S. day-to-day banking with a BMO U.S. chequing account

提領現金、支付賬單、資金轉賬，以及查看您的賬戶餘額。

Free and unlimited withdrawals from the largest network of ATMs in the U.S.

Withdraw USD from over 40,000 Allpoint^® Network ATMs throughout the U.S. using your BMO Canada Private Banking debit card or BMO U.S. debit card.^註腳11^, ^註腳22

Enjoy access to the BMO U.S. network

Check balances, view your accounts, withdraw funds and make transfers at over 1,000 BMO U.S. branches and 2,400 BMO U.S. ATMs 地點遍及32個州，包括佛羅里達州、亞利桑那州和加州。

Find the right BMO U.S. chequing account for you

BMO Smart Advantage支票賬戶

Bank like you’re at home.

$0 monthly fee when you choose paperless statements^註腳33
無最低餘額要求^註腳99 and only a $25 deposit required to open
可提供透支保障
Free unlimited withdrawals at over 40,000 U.S. ATMs^註腳11^, ^註腳22

BMO Relationship支票賬戶

Get rewarded with special customer benefits.

$25 waivable monthly fee^註腳44
$25 monthly rebate on ATM surcharge fees from other banks
可提供透支保障
Free unlimited withdrawals at over 40,000 U.S. ATMs^註腳11^, ^註腳22

開始對話

Answer a few questions about your wealth planning needs, and one of our BMO Private Wealth professionals will reach out.

聯絡專業人員

在加拿大開設的銀行賬戶如何從事跨境銀行業務

考慮開設BMO 加拿大美元賬戶。您可用這個賬戶儲存下次去美國的旅費，或轉賬至您在美國的賬戶。 Even better, you can open a U.S. dollar chequing or savings account under your existing BMO Everyday Bank Plan – at no extra cost. The BMO Everyday Bank Plan is offered by BMO Bank of Montreal and is insured by the CDIC. footnote star, star^**

footnote star star detailsBank of Montreal is not an entity of BMO Private Wealth.

How we take care of your cross-border banking needs

U.S. cash withdrawal and cheque deposit

Withdraw U.S. cash

前往美國旅行前，先在您的BMO 加拿大美元賬戶中儲存美元。
Transfer funds to your BMO U.S. chequing account.
Withdraw funds at over 40,000 ATMs throughout the 美國^註腳11^, ^註腳22

Deposit U.S. cheques

Deposit cheques drawn on a U.S. bank into your BMO U.S. chequing account at a BMO U.S. branch or BMO 美國 ATM that accepts deposits, or when you download the BMO Digital Banking (US) app.^註腳55^, ^註腳66

Pay U.S. bills remotely

Manage your U.S. bills by setting up Bill Pay in BMO Digital Banking (U.S.)^註腳66 so that you can easily receive and pay your bills in U.S. dollars online.

You can set up almost any U.S. company or individual as a Biller and pay them through Bill Pay. Many Billers can be accessed through Bill Pay. Others may need to be added manually.
To add a Biller:
1. Log into BMO Digital Banking (U.S.) and click Pay & Transfer then Pay bills.
2. Click the Add New Biller link.
3. 輸入收款方名稱（Biller Name）並使用放大鏡搜尋。
4. If the Biller is not set up in BMO Digital Banking (U.S.), manually input the requested Biller information as follows: U.S. company name, U.S. address for the Biller, and account number if applicable.
5. Follow the prompts to confirm the Biller information and complete the set up.
It’s easy to pay your U.S. bills once they are set up as a Biller, simply:
1. Select Biller.
2. Enter the Payment Amount and enter the Date or use the calendar to select the due date.
3. Click Pay.
4. When confirmation screen appears, select Done.
To make a payment on your BMO U.S. credit card through BMO Digital Banking (U.S.) use the following steps:
1. Log into BMO Digital Banking (U.S.).
2. Click on Credit Card Payments.
3. Click on Make a one-time payment.
4. Choose the account you wish to make the payment from, the amount and date you wish to pay.
5. When the Preview screen comes up, select Make Payment.
To set up an automatic payment for your BMO U.S. credit card through BMO Digital Banking (U.S.) use the following steps:
1. Log into BMO Digital Banking (U.S.).
2. Click on Credit Card Payments.
3. Click on Set up automatic payments.
4. Choose the account you wish to make the payment from.
5. Select the automatic payment type (Minimum Payment or Statement Balance).
6. When the Preview screen comes up, accept Terms and Conditions and click Set Up Payments.

跨境轉賬

BMO Canada to BMO U.S. Transfer

It’s fast and easy to transfer funds from your BMO Canada U.S. dollar account to your BMO U.S. deposit account through BMO Online Banking (Canada). 觀看示範短片或遵循以下步驟：

On your computer browser, sign into BMO Online Banking (Canada) and select Pay & Transfer, then select Account transfers.
Under the From account drop-down list, select the BMO Canada U.S. dollar account that you wish to initiate the transfer from. Under the To account drop-down list, select the BMO U.S. account that you wish to transfer the funds to.
In the box titled Amount, enter the amount you wish to transfer. In the box titled Reason, enter the reason for the transfer. Select Continue.
On the next screen you will confirm the transfer details and select Confirm Transfer.

轉移 U.S. funds from the U.S. to Canada

使用 BMO 加拿大電匯, a quick, cost-effective way for Canadian clients to request a transfer from their BMO U.S. deposit account to their BMO Canada U.S. dollar account through BMO Digital Banking (U.S.).
Make wire transfers by phone after you set up a one-time Wire Transfer Agreement at a BMO U.S. branch or via mail. BMO 國際電匯費用將可豁免。

開始對話

聯絡BMO 私人財富專業人員，洽談您的理財需求。

聯絡專業人員查找最近的服務地點

U.S. Cross-Border Banking 註腳星號^*

Manage your banking both in Canada and the U.S.

使用BMO 滿地可銀行跨境銀行服務的好處

Manage your U.S. day-to-day banking with a BMO U.S. chequing account