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.

Our Cross-Border Partner

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Esther Kim, CFP®, CIM®, FCSI®

US Wealth Planning Advisor

Being pleasant and positive in nature, Esther has enjoyed helping clients and co-workers in the area of financial planning over 20 years. Adding value and clarity to financial plan, putting clients at the center of all plans are what she endeavours to achieve.

Esther has provided US-Canada Cross-Border Financial Plans for BMO Private Wealth clients for over 10 years. Being a Certified Financial Planner (FP Canada), she is registered with US FINRA to prepare and present financial plans to US residents. As a seasoned cross-border financial planner, she has presented specialized cross-border financial plans tailored to meet client’s unique financial situation, considering US/Canada public pensions, rules and issues around Retirement & Estate plan both side of border using US financial planning tool (eMoney and Money Guide Pro). Her typical clients are professional athletes and High Net Worth families with cross-border exposures and including complex financial structures such as Private Corporation, Family Trust, Executive Compensation, Foundation, etc.