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BMO Checking Account Review - Pros And Cons Of BMO Checking Account (Is It Worth It?)BMO Bank operates more than 1, branches and, as part of the Allpoint network, offers fee-free access to over 40, ATMs. BMO branches are 32 states. With. Learn about secure online banking and mobile security. BMO's Security Center has tips to help protect you from fraud, phishing and other cyber threats. BMO customers are protected from losses incurred via unauthorized transactions, bank failure, fraud, and physical and cyber security threats.