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How To Lock BMO Debit Card (How Do I Lock My BMO Debit Card)debit cards and small business debit When you're there you can set your BMO Harris Bank card as your default card preference by tapping �Default Card�. If your credit card is loaded on the Shell App, you can pay that way too! Complete the fields below to securely link your BMO credit or debit card to your AIR. Welcome to the "Lock/unlock your Debit Card" demo! In this demo, you will learn how to: Lock and unlock your BMO Debit Cards with our mobile banking app.