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BMO bank scam victims say more needs to be done to protect depositsManage your US day-to-day banking with a BMO US chequing account. Withdraw cash, pay bills, transfer funds, and view your account balances. To apply for a BMO U.S. Personal Checking Account, you will need to call the BMO Cross-Border Banking Hotline or visit one of BMO's branches in. You can transfer funds from your eligible BMO Harris personal deposit account to your BMO account through a wire transfer from a BMO Harris branch.