How to Get a BMO Void Cheque for Mortgage Payments (Online Guide)

Home » Education » Approval Documents » Banking Information Payments » Void Cheque? » BMO Void Cheque

Getting ready to finalize your mortgage? One of the last things your lender will ask for is a void cheque or Pre-Authorized Debit (PAD) form from your bank. If you bank with BMO, accessing a void cheque online is simple—and it only takes a few minutes.

In this quick guide, we’ll walk you through:

  • Why lenders request a BMO void cheque
  • Where to find it inside your BMO Online Banking
  • How to download or print it
  • What to do if you’d rather use a PAD form instead
  • The best way to submit it to your lender without delays

Let’s walk through it together.

Why Do Lenders Ask for a BMO Void Cheque

When you’re setting up a mortgage, your lender needs to know exactly where the payments will come from. A void cheque from your BMO account gives them three key pieces of information.

It clearly shows:

  • Your branch (transit) number
  • Your institution number (001 for BMO)
  • Your account number

It’s the easiest way to confirm your banking details without any guesswork.

While some lenders might accept typed numbers, most prefer to see it on an official document—either a void cheque or a Pre-Authorized Debit (PAD) form—to reduce the risk of mistakes. It’s a small step, but it ensures your mortgage payments are pulled from the right account on time, every time.

Where to Find Your BMO Void Cheque Online

If you bank with BMO, there’s no need to track down a physical cheque BMO lets you generate a void cheque right from your Online Banking profile.
Here’s what you’ll need to get started:

  • A BMO chequing account
  • Access to BMO Online Banking (it works best on a desktop or laptop)

Quick Tip: The void cheque opens in a pop-up window, so if nothing happens when you click, check your browser’s pop-up settings. Enabling pop-ups should do the trick.

Once you’ve downloaded it, you can print or send it to your mortgage advisor—it’s that simple.

Step-by-Step: How to Download Your BMO Void Cheque

Need a void cheque from your BMO chequing account? Here’s how to get it online in just a few clicks:

  1. Log in to your BMO Online Banking account
  2. Select the chequing account you’ll be using for mortgage payments
  3. Find and click on “Void Cheque” or “Direct Deposit Information”
  4. Select Download as PDF
  5. Save or print the document—it includes everything your lender needs

This form is accepted by mortgage lenders across Canada and can be included with your other mortgage approval paperwork.

Using a PAD Form Instead (If You Can’t Find the Void Cheque)

If you can’t access your void cheque through BMO Online Banking—or simply prefer a different format—you can also request a Pre-Authorized Debit (PAD) form.

Here’s how:

  • Visit your local BMO branch and ask for a PAD or Direct Deposit form
  • Or call BMO customer service at 1-877-225-5266
  • You may also find a version available in the mobile app under your account details

A PAD form contains the same verified account info and is accepted by lenders in place of a void cheque.

What to Double-Check Before Sending It to Your Lender

Before you submit your void cheque or PAD form, take a quick moment to check:

  • Are all the numbers (transit, institution, account) clearly visible?
  • Is the form printed or saved cleanly—no smudges or blurry images?
  • Have you written “VOID” across the cheque image if needed?

Once you’ve got your void cheque or PAD form ready, getting it to your lender is easy. You can:

  • Upload it through your mortgage lender’s secure portal
  • Email it directly to your mortgage advisor
  • Or, if needed, print a copy and hand it in during your next meeting

Pro tip: Before you send it, double-check that the banking details are clear and readable. Something as simple as a blurry photo or missing digit can cause unnecessary delays in getting your mortgage funded.

Trouble Downloading Your BMO Void Cheque? Here’s What to Check

If your BMO void cheque isn’t showing up when you try to download it, don’t worry—it’s usually something simple. Here are a few things to try:

  • PDF won’t open? Check if your browser is blocking pop-ups. BMO opens the document in a new tab, and most issues come down to pop-up settings.
  • Using your phone or tablet? Some options are easier to find on a desktop
  • Can’t find the option at all? It may be labelled as “Direct Deposit Information”
  • Still stuck? Call BMO’s support line or visit a local branch—they can generate the document for you on the spot

If you’re under a tight deadline, just request a PAD form instead—it’s just as valid for mortgage payment setup.

Need Help with Your Mortgage Paperwork?

At Red Key Mortgage, we help clients navigate every step of the mortgage process—including the fine print like void cheques and payment forms. If you’re unsure which documents to submit or running into roadblocks with your bank, we’re just a call or email away.

Have questions or need help with the paperwork? Give us a call—we’ll walk you through it and make sure everything’s submitted on time.

If you’re not sure which documents to send, or just want a second set of eyes before submitting everything, reach out today. We’re here to make the process simple, stress-free, and on schedule.

Contact us now and we’ll walk you through it.

Want more insider advice like this? Grab your free copy of the free 2025 Home Buyer’s Guide packed with tips to help you buy with confidence you need to know if you’re buying your first home.