Another way of putting it is that BMO expects all accounts to be active,
so you are always signing in to see other things and will automatically
notice weird transactions.
I assume you don't have paper statements.
Just "getting" a paper statement would mean you had activity when you
expected none.
Paper statements can be useful.
Alice
On 2025-12-06 21:41, Ian! D. Allen via linux wrote:
This is a BMO-related rant; it is not Linux-related.
Our community group uses BMO. We are not happy.
We put on a Contact Improvisation Dance event annually up to 2019.
We were on pause for 2020 through 2024, so we didn't look at the
account.
As we prepared to restart the event in 2025, we discovered that BMO had
let someone withdraw $4,000 from our account over two months in 2021,
when we weren't looking:
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 400.00
5,569.07
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00
5,369.07
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 50.00
5,319.07
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 100.00
5,219.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00
5,019.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 100.00
4,919.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00
4,719.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00
4,519.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 50.00
4,469.07
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
4,166.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
3,866.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
3,566.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
3,266.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
2,966.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
2,666.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 100.00
2,566.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
2,266.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00
1,966.57
BMO said we were supposed to watch our bank account every five days in
case BMO might let some known fraud service take money out of our
account without our permission. It's not up to BMO to keep our account
safe from fraud services (even though BMO charges us $2.50 every
month), it's up to us to watch it. In May 2025 there were 438 periods
of five days since we last used the account in 2019; BMO expected us to
sign on to our account 438 times (every five days) in the past six
years just to check that BMO hadn't allowed a fraud billing service to
take our money.
I hope all you BMO users check all your bank accounts every five days.
On Sat, Dec 06, 2025 at 05:50:57PM -0500, Jean-Francois Messier via
linux wrote:
That's a bad move by BMO. I guess that the if and else parts of their
algorithm have been swapped / inverted. I stopped using BMO a long
time ago,
way before the BMO name came out. I'm now with Tangerine and I am
rather
happy. On another note, I was the victim of a fraud of over $20,000
from a
customer of BMO. They did absolutely nothing about the account that
stole the
money. Tahberine and their team solved the problem and I got all my
money
back.
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