I've been with BMO as long as I have because they own most of the ATM's in my area and their branch is ideally located. The local staff is helpful, friendly, and serves as best they can, given corporate's cavalier rules. I was unable to bank online for over four years because I relied on public-access we-fi and my landline was 15 minutes away. I finally learned that the branch can disable the phone verification. Then someone sent me money via Zelle (which is happy with a mobile number OR email), but I couldn't receive it because in order to connect to Zelle, BMO required a MOBILE number in the account holder's profile. Customer service tried to help, but their hands were tied; this was a choice made "above their pay grade" simply because they CAN.
Incidentally, the "feedback" link on their website DOESN'T LINK TO ANYTHING.
Recommendation: Great, if you're the EXACT kind of customer they want; BRICK WALL if you're not.