Security and Fraud Protection
Learn how BMO InvestorLine helps protect your account and what you can do to safeguard your personal and financial information.
2026年10月13日
閱讀時間：15分鐘
我們如何保護您
網上安全保證
We guarantee a 100% reimbursement for any unauthorized transactions conducted in your BMO InvestorLine account that result in a direct loss.*
To remain eligible for reimbursement under this guarantee, you must, at a minimum, take the following steps:
- Sign out and close your browser or BMO Invest App after each online investing session;
- Keep your Client ID and password confidential;
- 分析您的網上賬戶活動、賬目及交易確認情況；
- Contact us by phone or live chat within 5 days if you suspect your password or BMO InvestorLine account has been compromised (e.g. unauthorized transactions, suspicious activity, virus or spyware infection).
*條款及細則此處適用。
確保您的資訊安全
BMO InvestorLine will never contact you to ask for your Client ID, Password, PIN, SIN or other sensitive information.
- Always go directly to BMO.com or use official BMO apps when entering personal information.
- If you're unsure if a call is genuinely from BMO InvestorLine, hang up and contact us directly.
兩步驟驗證程序
To help protect your financial and personal information, we have an additional method of security. When we need to verify your identity, you'll be prompted to request a verification code to sign in.
For more information, see two-step verification for Self-Directed or two-step verification for adviceDirect.
交易密碼
Create a Trading Password that is different from your Account password. In some instances, it may be used to verify your identity.
超時設置
操作超時是一項安全設置，是為了幫助您防止未授權用戶在您離開電腦時進入您的賬戶。如果您的賬戶閒置了15分鐘，您將會被自動登出。
You can change this time limit under Security settings on the BMO InvestorLine website.
Trusted Devices
You can add or remove trusted devices linked to your account through the BMO Investorline website.
密碼管理
我們建議您：
- Change your passwords periodically;
- Safeguard your Client ID, account numbers and passwords; and
- Avoid sharing this information with anyone.
我現在還能做什麼？
We encourage you to regularly visit our Security Centre for tips on how to safeguard your information and recommend you: for tips on how to safeguard your information and recommend you:
- 安裝IBM Trusteer Rapport軟體
- 注意您賬戶中是否有任何未授權交易，有任何疑慮時，請即致電通知我們
兩步驟驗證程序
兩步驟驗證程序是一種安全措施，在您使用無法辨識的設備時可藉由發出驗證代碼到您的手機上以確認您的身分。藉由註冊兩步驟驗證程序，您便是在採取行動以防止欺詐攻擊。
Manage your two-step verification
To manage your two-step verification, follow the steps for your account type.
自管投資
Log in to your account on the BMO InvestorLine website. 前往 安全設定, then select 編輯 under Two-step verification.
理財通
Log in to your account on the BMO InvestorLine website. From the menu, select 安全設定. Under 喜好, go to 安全設定, then select 編輯 under Two-step verification.
Cookie是一種常用的Web技術，許多瀏覽器默認為自動接受它們。 They're designed to give a website owner information on how someone is using their website - including what pages, links, buttons and other areas the user is visiting.
BMO InvestorLine uses cookies in a number of locations, such as allowing you to save your search results when using our stock screening tools. 像素標籤（也稱為透明GIF）和Cookie也可以在推廣優惠電子郵件和網上廣告中使用。這些工具使我們能夠衡量我們的廣告及推廣優惠活動的有效性。
You can change your Internet browser settings to notify you before a cookie is set, which gives you the choice of whether you'd like to accept it. 請參閱您的瀏覽器的在線協助，了解禁用和設置Cookie喜好方面的資訊。
You can also manage these preferences through the menu on the BMO InvestorLine website. In the BMO Invest app, go to Menu > Privacy settings.
How to protect yourself from phishing
Avoid sending personal identification numbers or other confidential information by regular email, as it is not secure. BMO InvestorLine always uses secure email when sending confidential information.
BMO InvestorLine will never ask you to send sensitive information by email.
BMO InvestorLine will also never send unsolicited emails asking you to login through a link or attachment.
What is an email phishing scam?
Phishing is an attempt to obtain your confidential information through messages or emails that appear to come from a group or individual that you trust.
網路釣魚電子郵件可以：
- Mimic the look and feel of a genuine company;
- Contain poorly written English or gibberish text;
- Be sent through unsolicited emails, containing links or attachments;
- Include a link that appears to be from BMO but leads to an unrelated website, such as an address containing an @ symbol or numbers (e.g., 123.456.1.2) and;
- 所包含的「reply-to」欄位中的地址與「from」欄位中的地址不同。
網路釣魚騙局如何運作
- You receive an unsolicited email that could include one of the following subject lines:
- 要求您更新您的個人資訊
- 您贏得了比賽！
- 請您採取行動：您的卡或賬戶被暫停
- Good news: Your product application is approved
- Your account has expired
- You may then be prompted to open a link or attachment, or reply to an email address.
- If you click the link or attachment, you're taken to a malicious site that requests your personal information (e.g., Bank Card Numbers, Client ID, Account Numbers, PINs, Credit Card Numbers, Social Insurance Numbers, and/or Passwords).
Have questions or feedback
Reach out by phone or live chat: