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Go Public: Who benefits from online banking agreements? Not you, says expertFinicity and BMO Harris signed a data access agreement to empower consumers with more control and secure sharing of their financial data. BMO Bank of Montreal will offer UC Berkeley faculty and staff a 'Bank at Work' suite of relationship banking products. The program offers preferred pricing. An expert in contract law who analyzed the electronic banking agreements for BMO, CIBC, RBC, Scotiabank and TD says the contracts are "so.