Last verified 2026-08-18; facts checked against the primary sources below
BMO Alto deceased account settlement
Last verified: August 18, 2026
The short answer: An authorized representative can settle a BMO Alto account by submitting an original death certificate, a notarized Decedent Account Letter of Direction, government ID, and any applicable executor or small-estate documents. Authorized claimants include a joint owner, POD beneficiary, executor, estate administrator, or qualifying small-estate affiant. Call 1-855-266-8100 with questions.
BMO Alto requirements at a glance
| Item | Published requirement |
|---|---|
| Death record | One original death certificate |
| Instructions | Notarized Decedent Account Letter of Direction |
| Identity | Copy of an accepted government-issued ID |
| Authority | Executor papers or state small-estate affidavit when applicable |
| Contact | 1-855-266-8100 |
Who can request settlement?
BMO Alto's current letter of direction lists a joint owner, POD beneficiary, executor, estate administrator, and small-estate affiant as possible authorized representatives. Choose the capacity that matches the account and attach the documents listed for that role.
Do not combine roles casually. A beneficiary claims a designated account; an executor acts for the probate estate. The paperwork and destination of the funds can differ.
How do you submit the documents?
Use the mailing address printed on the current form. The May 2026 form lists Alto, 320 S. Canal St., Floor 11, Chicago, IL 60606. Recheck the live form immediately before mailing an original death certificate.
Ask for a date-of-death value letter separately if the estate needs one for accounting or tax work. BMO Alto publishes a distinct request process for that document.
What can delay the request?
Missing notarization, mismatched names, incomplete claimant signatures, missing ID, or missing authority documents can stop processing. New Jersey decedents also have a state-specific tax-waiver requirement described in BMO Alto's current materials.
Use BMO Alto's current form, not a saved older copy. State-specific requirements may apply.