We may charge fees for electronic banking and electronic transactions. You can find more information and current fees in the schedules entitled “Banking Plan Features and Fees”, “How to Get Free and Discounted Banking Services”, “User Fees”, “Additional Services and Fees” and “Bank Accounts and Plans No longer Offered” on the front of the agreements, banking plans and daily bank fees brochure. These fees are part of the Banking and Electronic Services Agreement. We may change the fees from time to time. Up-to-date fee information can be found at all Canadian branches and online at bmo.com/agreements. The agreement allows BMO customers to have more secure and convenient access to their financial data, allowing them to manage their finances, access capital and grow financially. The Data Access Agreement sets out common rules on how Finicity and BMO communicate and exchange financial data. Finicity continues to play a leadership role by signing this data access agreement with BMO Harris, marking its eighteenth agreement. The direct access agreements signed by Finicity represent coverage access greater than 50% of all direct deposit accounts in the United States through direct API connections. CHICAGO & SALT LAKE CITY–(BUSINESS WIRE) -Finicity, a leading provider of open banking solutions, today announced with BMO Harris Bank that they have signed a data access agreement. The agreement sets out the obligation to allow consumers to better control and exchange their financial data securely. Some cards may allow you to make contactless or PINless transactions in Canada by tapping on your card that accepts contactless payments such as Interac Flash®§ Transaction limits and cumulative limits apply. On request, this function can be disabled.

. “help desk” means any transaction or account history request entered into with the assistance of a staff member in a Canadian branch or through electronic banking. The agreement focuses BMO on customer-centric digital development and open banking “card” means: (i) your BMO debit card or any other card, physical or digital, issued by the Bank of Montreal that we allow you to do in connection with electronic banking;(ii) value cards stored when used in combination with your secret identification code; to access your account; and (iii) in any event, the numbers associated with such card, unless otherwise specified. “Online Banking” means the different ways in which we allow you to access an account with your card or secret identification code, including: (i) Bank of Montreal banking services and any other banking services we may provide, including instructions provided orally or through the use of an interactive voice response system (for example.B. press the numbered keys on an audio phone);(ii) BMO Digital Banking; (iii) BMO alerts; (iv) BMO ATMs; or other ATMs that we approve for use, including stored value card loading devices; (v) point-of-sale or debit card terminals located on sites where you can use your card for direct payment transactions from, to or in combination with an account; (vi) all account aggregation and information or consolidation services; that we provide;(vii) any other electronic channels that we may enable you with the help of your card or secret id code or other. . . .