“aggregation,” an account aggregation service that collects, consolidates, organizes and provides account information to us and other financial institutions you want to have included. We can charge a fee for electronic banking and electronic transactions. More information and current fees can be found in the pricing plans “Bank Plan Features and Charges,” “How to Do Free And Discount Banking,” “Pay-per Use-Geb-hren,” “Additional Services and Fees” and “Bank Accounts and Plans Are No Longer Offered” in the benefit of daily banking agreements, plans and fees. These fees are part of the Electronic Banking and Services Agreement. We can change fees from time to time. The latest rate information can be found at all Canadian branches and online at bmo.com/agreements. Information about these accounts and services is only available to existing account holders. Please visit your next BMO Bank of Montreal subsidiary to see how our current product line can offer a better solution to your banking needs. “Account” refers to one or more of the following points we have linked to your request to access your card: (i) a Bank of Montreal staff chequing account; (ii) a Bank of Montreal personal savings account. “Electronic Banking,” the following options: how we allow you to access an account with your secret card or ID, including:i) the Telephone Banking Services of the Bank of Montreal and all other telephone banking services that we can provide, including oral instructions or using an interactive voice response system (for example.
B press number keys on a touch phone) ;() BMO Digital Banking (iii) BMO Notifications; (iv) BMO-AtMs; or other ATMs that we approve for use, including devices loading registered value cards;(v) point-of-sale or debit card terminals in locations that allow you to use your card for direct payment transactions from, at or from an account; (vi) all account aggregation and information or consolidation services that we provide; (vii) all other electronic channels that we allow you to use with your secret card or ID code. The exchange rate for converting transactions in Canadian dollars is the rate that is charged to us by Mastercard International on the day the transaction is booked on your account, plus 2.5% for purchases and less 2.5% for refunds. For foreign exchange transactions, with the exception of the U.S. dollar, the amount is converted first to U.S. dollars and then to Canadian dollars. We can give you access to personal financial currency management tools (a “tool” each) via BMO Digital Banking.