Security

Safety & Security - BMO® Secured Credit Card

Use Your Card with Confidence, Knowing You’re Always Protected

Credit Card Balance Protection Enhanced

BMO’s Credit Card Balance Protection Enhanced offers comprehensive coverage to help with your credit card payments during unexpected events such as disability, job loss, or death. Here’s a summary of what this coverage includes:

Coverage:

  • Amount Covered: Your credit card balance can be protected up to a maximum of $20,000 when a covered loss occurs.
  • Family Benefits: A benefit may also be available for families celebrating the addition of a new member.

Cost:

  • Premium: The monthly premium is $1.00 per $100.00 of your total statement balance for the billing cycle, plus applicable taxes.

This service ensures that if you’re unable to make your payments due to unforeseen circumstances, your credit card balance may be paid off, providing financial relief and peace of mind.

If you’re interested in adding this protection to your BMO credit card, you’d want to review the full terms and conditions to ensure it meets your needs.

For coverage application or more information, please call 1111111111.

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Chip Technology

BMO Match Card® debit and credit cards are more secure than ever, thanks to advanced chip technology. These cards feature an encrypted microchip that is incredibly difficult to counterfeit, and your personal identification number (PIN) adds an extra layer of protection.

BMO Match Card® chip card technology has been successfully tested and implemented in over 92 countries across Europe, Asia, Latin America, Africa, and the Middle East. The move to chip card technology marks an important evolution in the electronic payment system. It is designed to elevate security, ensuring that an already secure payment system becomes even safer.

BMO Match Card®, together with other leaders in the payments industry, has been at the forefront of the shift to chip card technology in Canada. To enhance the security of your personal information and in-branch transactions, BMO Match Card® has equipped all of its branches with chip & PIN terminals.

Canadian and U.S. stores and services will be equipped with terminals that process chip transactions over the next few years. All chip cards will continue to have a magnetic stripe on the back of the card. This ensures that you’ll still be able to use your BMO Match Card at merchants who don’t have chip terminals and in countries that have not yet adopted chip technology.

Mastercard Identity Check™*

Mastercard Identity Check provides an extra layer of security for your BMO Match Card during online purchases. This enhanced security feature ensures that your card is always protected by verifying your online purchases through a smooth and seamless process. Identity Check works with your existing BMO Match Card and requires no download or registration. Learn more at bmo.com/cardsecurity.

Mastercard Identity Check™*

 

When you shop online and see the Visa Secure badge on participating merchant sites, it means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity during online purchases, providing enhanced protection against unauthorized use of your BMO Match Card.

Whether you’re using a desktop, mobile, or other digital devices, you may be guided through an additional check to verify your identity. This process helps BMO Match Card ensure that it’s really you making the purchase, offering better protection against fraud.

Learn more at Visa Security.

Zero Liability

With BMO Match Card, enjoy peace of mind knowing you’re protected against theft and fraud. If your card is used without your authorization, you won’t be liable if:

  • You did not contribute to the unauthorized use.
  • You took reasonable care to safeguard your card and PIN.
  • You notify BMO Match Card immediately after discovering the loss, theft, or misuse of your card, or if you suspect someone else knows your PIN.

If these criteria aren’t met, you will be liable for charges from unauthorized use.

Learn more at Mastercard Zero Liability and Visa Security.

We are members of the Canada Deposit Insurance Corporation (CDIC).

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