Whether you are starting a new job or setting up pre-authorized bill payments, you will likely be asked for a void cheque. A Bank of Montreal (BMO) void cheque is a secure document that provides your employer or service provider with the exact transit, institution, and account numbers required to route funds accurately to your Canadian account.
Gone are the days of needing a physical chequebook to provide this information. BMO allows customers to generate an official Direct Deposit Transfer Form, which acts as a legal void cheque, entirely through digital banking. This professional PDF can be downloaded, printed, or emailed instantly, ensuring your banking details are shared without manual entry errors.
BMO Routing Information Details
| Category | Details |
|---|---|
| Institution Number | 001 (Unique to all BMO accounts). |
| Transit Number | A 5-digit code identifying your home branch. |
| Document Type | Downloadable PDF Direct Deposit / Void Cheque form. |
Algorithm: How to Download Your Void Cheque via BMO Digital
- Step 1: Sign in to BMO Online Banking or the BMO Mobile App using your 16-digit debit card number and password.
- Step 2: Select the specific Chequing or Savings account you need the form for from your dashboard.
- Step 3: Click on Account Details (on mobile) or look for the Void Cheque / Direct Deposit Info link in the sidebar (online).
- Step 4: Click the View or Download icon to generate the official PDF document.
- Step 5: Save the file to your secure device or use the Share function to send it directly to your payroll department.
Pro-Tip: If you are specifically setting up direct deposits for government payments like tax refunds or GST/HST credits, look for the CRA Direct Deposit link within the account details menu. This efficiency hack allows BMO to securely send your info directly to the CRA, removing the need for you to upload a void cheque form manually.
Troubleshooting Common Digital Issues
- MFA Code Delays: If your 2-Step Verification code is delayed while trying to log in, ensure your mobile device has a stable cellular signal. If the SMS fails, you can opt to receive the code via an automated voice call to your registered phone number.
- Browser Pop-up Blockers: If you click "Download" and no file appears, your browser is likely blocking the PDF pop-up. Disable any ad-blockers for bmo.com or check your browser settings to allow pop-ups for secure banking sites.
- Locked BMO ID: Entering your password incorrectly multiple times will lock your digital access. Use the Forgot Password link to reset your credentials using your BMO card details and identity questions to regain access immediately.
Frequently Asked Questions
Is the BMO Direct Deposit form the same as a void cheque?
Yes. For nearly all Canadian employers and financial institutions, the BMO Direct Deposit Transfer Form is an officially accepted equivalent to a physical void cheque, as it contains all the necessary routing data and a bank seal.
Can I get a void cheque form for a savings account?
Yes, BMO allows you to generate these forms for both chequing and savings accounts. However, always confirm with your employer that they can deposit funds into a savings-type account, as some payroll systems have restrictions.
