Distinctive banking and borrowing needs call for an equally distinctive service offering and exclusive benefits

A dedicated banker adept at larger, more complex transactions, and able to oversee the unified management of personal, business and holding company accounts. We appreciate that it’s all part of a bigger picture and will coordinate with wealth planning experts, and our U.S. partners, to structure creative, customized solutions.

  • Full suite of cash management, debt and liquidity services
  • Access to wealth planning professionals in insurance, estate, tax and more
  • Cross-border accounts and commercial services for seamless banking
  • Specialized lending capabilities (e.g., leveraged life insurance and large loan products in U.S. or Canadian dollars or Euros)
  • Unlimited accounts, cash withdrawals and international debit transactions
  • Equity monetization to provide additional capital; single asset financing strategies
  • BMO World Elite Mastercard®; preferred exchange rates; BMO Online Banking for Business
  • Unified reporting and management of personal, business and holding company accounts

Your cross-border banking comes together with BMO Private Wealth

If you spend time in the U.S., you may need help with your banking needs on both sides of the border. We work with our dedicated cross-border support team to ensure your U.S. banking experience is easy and seamless.

Whether you vacation, work, live or shop in the U.S., enjoy cross-border solutions that meet your unique needs. As a BMO Private Wealth client, you enjoy exclusive benefits, including:

 

Dedicated support

  • Enjoy complimentary access to our dedicated support team at BMO Private Bank U.S. who specialize in cross-border banking
  • The team can assist with any U.S. service requests or questions you may have

Convenient digital banking

  • Transfer funds online easily and for free between your BMO Canada and BMO U.S. accounts
  • Pay U.S. bills and deposit cheques remotely with BMO Digital Banking (U.S.)

Bank for free, year after year

  • Pay no monthly fee when you select paperless statements with the BMO Smart Advantage chequing account from BMO U.S.
  • Access free U.S. cash withdrawals at over 42,000 BMO U.S. branch and Allpoint® ATMs

U.S. credit cards for your lifestyle

  • Choose from exceptional rewards including cash back, merchandise or travel
  • Make U.S. purchases both in person or online, and save on foreign transaction fees

U.S. mortgages and lending

  • Find and finance the vacation destination or U.S. home of your dreams
  • Apply using your Canadian credit history and BMO Private Wealth relationship status

 

Banking products are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC.

In addition to providing lending services for mortgages and lines of credit, Platinum Banking provides you with access to specialized lending to optimize your cash flow and your wealth management plan, including:

 

  • Financing through personal holding companies
  • Personal financing linked to Commercial financing and Commercial account management
  • Expertise to accommodate or refer requests for large specialty loan products in Canadian or U.S. dollars
  • Business financing for professionals and their companies including commercial real estate financing
  • Specialty loan services, including:
    • Collateralization of investment management accounts
    • Large investment loans
    • Leveraged Life Insurance Program