BMO Harris Bank

National Bank, bmoharris.com

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MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

BMO Harris Bank is one of the country’s larger regional banking operations, with over 600 branches and 1,300+ ATMs in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona and Florida. Its banking services are divided into four main branches: personal banking, wealth management, small business banking and commercial banking

For personal banking customers, BMO Harris offers everything you’d need to manage your financial life, including:


  • Checking accounts

  • Savings accounts, money market accounts and CDs

  • Retirement accounts and investments

  • Credit cards

  • Mortgages and home equity loans

  • Auto loans

  • Personal loans and lines of credit

Checking account options include the SmartMoney account, which has a low monthly maintenance fee but charges no overdraft or insufficient fund fees, and the SmartAdvantage account, which has a $0 monthly fee when you sign up for electronic statements. Both of these accounts offer unlimited access at more than fee-free 40,000 BMO Harris and Allpoint ATMs nationwide.

The Premier checking account allows for unlimited non-BMO Harris ATM transactions, plus a $25 monthly rebate on ATM surcharge fees from other banks. This account carries the highest monthly maintenance fee, which is waivable when you maintain a $25,000 minimum daily balance. In terms of fee-free ATM access alone, BMO Harris outshines many regional banks with the size of its network.

BMO Harris features three accounts for growing your money: Statement Savings, Select Money Market and CDs. The Statement Savings account is designed for people who are ready to start saving for the first time. Deposits earn interest and you can set up automatic transfers from another BMO account to grow your savings faster. Select Money Market savings offers higher interest rates for savers who keep a larger balance in their account. CD options include standard CDs, step-rate CDs and special promotional rate CDs. You'll need at least $5,000 to open a special 31-month CD but the rates are highly competitive compared to what other banks offer.

If you want to save for retirement, you can open an IRA Premium Savers account with as little as $100. These accounts offer variable interest rates but they're safer than investing in the market. They have no monthly maintenance fee and you can make new contributions at your own pace, whether that's weekly, monthly or annually.

BMO Harris Bank offers three credit card choices designed to fit different spending styles. The BMO Harris Bank Platinum Rewards Mastercard®, for instance, combines rewards with a low introductory APR on balance transfers and purchases. The BMO Harris Bank Platinum Rewards Mastercard® offers a higher rewards rate, along with a larger new account bonus but unlike the Platinum Rewards card, this card carries an annual fee. The BMO Harris Bank Cash Back Mastercard® is for spenders who want to earn cash back without paying an annual fee.

You can easily access and manage your account by phone, online or from your mobile device. One unique feature of the mobile banking app is Mobile Cash, which allows you to withdraw cash from designated BMO Harris ATMs without using your ATM or debit card.

BMO Harris Bank Fees

  • National Average
  • Monthly Inactivity $0 $6
  • Non-Sufficient Fund (Overdraft) $36 $30
  • Stop Payment item $36 $27
  • Return Deposit $7.50 $13
  • Domestic Wire Transfer (Outbound) $30 $22
  • Domestic Wire Transfer (Inbound) $0 $10
  • Non-Bank ATM $3 $1

Locations & Hours

map of local branches and ATMs
Branches
600
ATMs
31,253

We found bank branches & ATMs within miles of .

View Locations & Hours

Latest Customer Reviews

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  •  
    Reviewed By mbserpe Apr 12, 2018

    Worst phone person EVER, EVER, EEEEVVVVEERRRR!!!

    Generally, I have been very satisfied with BMO; however, today was my worst banking experience EVER on the phone, with an issue of an unrecognizable charge on my business credit card. I own a business, and I have for 44+ years. If I had a person working for me who was snotty and awful like the person with whom I spoke today, I would fire her immediately. If I didn't fire her, I would not continue to be in business any longer because my clients would fire ME!! She was uninformed, mean, arrogant, and disrespectful to me, no matter how pleasant I was with her. She talked down to me like I was an idiot (I have a Ph.D., I'm no idiot), and she was absolutely MEAN. I have been with BMO for years, but to prevent my going through this ever again, I am closing my business checking and credit card later today with BMO; it was that bad. I will NEVER go through this again with any snotty little chick from BMO. Do you know the good part of all this? She does not work for ME!!!!!!!!!!!!!!!!!!!! She is BMO's problem, not mine any more, thank God.

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  •  
    Reviewed By dekt Feb 21, 2018

    Worst of the worst

    If you're a Canadian cross border banker, stay away from BMO Harris. They offer you nothing but headache and frustration. Initial opening process was fine until you started dealing with BMO Harris Customer Care Team. They either had no idea how to deal with a cross border banker or no way to help achieve any resolution. Card activation process and PIN change became toothless. Their online banking system is below average when you could even get much better system from the smallest community bank at a border town.

    I never have had M&I Bank in the past but as far as I'm aware of, M&I Bank had a much more interactive UI and people.

    Just stay away.... save yourself some hassle.

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  •  
    Reviewed By Lovingit88_ Feb 14, 2018

    As an ex employee..

    As an ex exployee. I sit and read all of these reviews and nod my head in agreement. Customer service is swamped with phone calls with issue after issue. Many of the staff are overworked and stressed. Procedures change almost daily so it is impossible to keep up. As a result the wrong info is given out and customers get angry because they were told something different from someone else.I can tell you bankers,customer service reps, tellers are always trying to make their customers experiences better. When this concern is relayed to upper management, the top ignores most of the advice.Top management only cares about the money, that is all. Banking is a big business not a charity.The system at BMO is made to fail their customers.Top management doesnt deal with clients directly, but have cushy offices and drive their Mercedes., If they cared, the system would work in the customers favor. Please be kind to your bankers and tellers. They get yelled at often and get called horrible names. So if you wonder why they arent smiling dont take it personally. There is ALOT of pressure for banking employees. They have rules and regulations to follow or risk losing their jobs.
    We deal with difficult customers too. I could no longer work here again because of the stress and constant negativity. Some like to start problems and are NEVER satisfied. They say they will go to a different bank but they bring their negative personality with them and guess what? They arent satisfied there either. But I truely feel bad for the others who have been wronged by the bank and get charged fees or are given wrong information, etc. Top management needs to take these complaints to heart and step up.

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  •  
    Reviewed By mbserpe Apr 12, 2018

    Worst phone person EVER, EVER, EEEEVVVVEERRRR!!!

    Generally, I have been very satisfied with BMO; however, today was my worst banking experience EVER on the phone, with an issue of an unrecognizable charge on my business credit card. I own a business, and I have for 44+ years. If I had a person working for me who was snotty and awful like the person with whom I spoke today, I would fire her immediately. If I didn't fire her, I would not continue to be in business any longer because my clients would fire ME!! She was uninformed, mean, arrogant, and disrespectful to me, no matter how pleasant I was with her. She talked down to me like I was an idiot (I have a Ph.D., I'm no idiot), and she was absolutely MEAN. I have been with BMO for years, but to prevent my going through this ever again, I am closing my business checking and credit card later today with BMO; it was that bad. I will NEVER go through this again with any snotty little chick from BMO. Do you know the good part of all this? She does not work for ME!!!!!!!!!!!!!!!!!!!! She is BMO's problem, not mine any more, thank God.

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  •  
    Reviewed By joannsbishop Dec 19, 2017

    Missing promo deposit of $300

    I received a mailer from BMO regarding a $200 checking account bonus and $300 savings account bonus this summer. It is now December and I have yet to receive the $300. I have met all the requirements and phoned numerous times and am consistently told it will be 3-5 business days. Deceptive practices. I'm looking for a way to report them to a banking authority.

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  •  
    Reviewed By jdbrownfar Jul 6, 2017

    Uncalled for fees

    My elderly Mother is homebound and needed some cash. She wrote me a check so I could cash it at her bank and bring the money to her. This bank charged me a $10 fee to cash the check. This is a check from her account at this bank branch.
    I tried to get the manager to waive the fee, he said he couldn't do it.
    I consider that fee to be ridiculous, and it should have been waived.
    Also, if a manager doesn't have the authority to make things right for the customer, then you might as well not have a manager.
    Not good service, I don't recommend this bank and will encourage my Mother to find a new one.
    My bank doesn't charge fees like this, everyone else I've talked agrees that this is a rip off.

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  •  
    Reviewed By joannsbishop Dec 19, 2017

    Missing promo deposit of $300

    I received a mailer from BMO regarding a $200 checking account bonus and $300 savings account bonus this summer. It is now December and I have yet to receive the $300. I have met all the requirements and phoned numerous times and am consistently told it will be 3-5 business days. Deceptive practices. I'm looking for a way to report them to a banking authority.

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  •  
    Reviewed By badexperience May 17, 2016

    Bad customer experience

    I had a savings account with this bank for years. When I went to close it out I was given bad advice by the bank representative, that just wanted to up-sale me, and then they charged me a service charge after having my money for 11 years. I think I paid more in the service charge then I got in interest back for a very long time. Despite the fact that I had my money in savings with them, they did not care about the customer experience. Do not work with this bank unless you have thousands in the account, they do not care about the average customer; that is definitely the impression I got from this bank representative. Keep your money in another bank.

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  •  
    Reviewed By COGSWELLRONC@AOL.COM Oct 17, 2014

    With Bank Since 1980's

    Own businesses & personal banking, since it was frankfort bank had home loans, equity line, auto loans ,checking and savings acct. Tried to redo equity line (business doubling) with over 800 credit score never late on any payments with any suppliers or personal , supplied them with all business financials and was refused first time in 45 years. Will take all accounts away but as other people have said i don't think they will care at all

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  •  
    Reviewed By clarkb420 Jul 11, 2016

    Take Your Business Elsewhere....Fast

    Deranged family member walks into bank and cashes a Certificate Deposit that belongs to her elderly mother, telling them her mother has passed away.

    No questions asked, they give her the money.

    Our mother has not passed away.

    Move your money out of this bank as fast as possible, unless you want Bozo the Clown walking in and cashing your CD's for you.

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  •  
    Reviewed By dawnofthenorth Dec 19, 2017

    WOULD GIVE THEM LESS IF POSSIBLE

    This bank almost cost us our house. We managed to keep our house, but went through 2 years of complete hell with this bank. We even tried writing to President, and BEGGED, BEGGED for help. They ignored us. Treated US like we were dirt. When it was in fact, their negligence that cause our mortgage account to get hacked.... WE HAVE OVERPAID IN THE THOUSANDS TO THIS BANK.

    They are crooks. They have the power to do it.. Even if you take them to court, they can out-lawyer you, and squash you with fee's, court fee's, bank fees etc. etc..

    THEY DO NOT CARE ABOUT YOU OR ANYONE ELSE.

    PLEASE,,, DO NOT USE ANY BANK OF MONTREAL ANYTHING. Save yourself what our family and children have gone through.

    BANK OF MONTREAL AND THEIR AFFILIATES ARE POSION.

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  •  
    Reviewed By waterskier87 Feb 17, 2017

    Smooth Process

    As a first time homebuyer, I wasn't sure what to expect through the process. Everything went smoother than I imagined, and we were able to close on-time and get in our new home as scheduled. There was a lot of paperwork involved, but my mortgage lender let me know exactly what I needed to be prepared for the transaction. The staff at the bank was also very friendly and welcomed me each time I came by the branch.

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  •  
    Reviewed By Jmorse26 Jan 19, 2017

    Worst experience for a first- time home buyer

    Getting a morgage loan was difficult even though I had all my paperwork in, a realtor that was on top of it, and a very good credit score. My loan officer lost paperwork several times, forgot to order my home inspection, and then quit two weeks before closing.
    I could chalk it up to one employee being a bad apple_ but now I have a whole new issue.
    I received the loan, after holding the banks hand through the process. I send in my first payment, and they code it for a much lower amount then what it should be. My bank calls, corrects the issue, and they receive their payment. Except they never document this. So I'm getting hit with late fees, and 800 dollars is "gone". So to stop the late fees I give them 900 dollars to get current. I'm calling every month to get this corrected. I've talked to 6 people. I've submitted documentation. Now, they say it's all taken care of except it's still on my credit report, and the statement they just sent me doesn't have any changes except the late fees aren't on it anymore. Which I paid them anyway. They owe me a lot of money, and they need to fix my credit. So far, 3 months later I am still fighting these people.
    DO NOT USE THESE PEOPLE FOR A MORTGAGE.

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  •  
    Reviewed By mbserpe Apr 12, 2018

    Worst phone person EVER, EVER, EEEEVVVVEERRRR!!!

    Generally, I have been very satisfied with BMO; however, today was my worst banking experience EVER on the phone, with an issue of an unrecognizable charge on my business credit card. I own a business, and I have for 44+ years. If I had a person working for me who was snotty and awful like the person with whom I spoke today, I would fire her immediately. If I didn't fire her, I would not continue to be in business any longer because my clients would fire ME!! She was uninformed, mean, arrogant, and disrespectful to me, no matter how pleasant I was with her. She talked down to me like I was an idiot (I have a Ph.D., I'm no idiot), and she was absolutely MEAN. I have been with BMO for years, but to prevent my going through this ever again, I am closing my business checking and credit card later today with BMO; it was that bad. I will NEVER go through this again with any snotty little chick from BMO. Do you know the good part of all this? She does not work for ME!!!!!!!!!!!!!!!!!!!! She is BMO's problem, not mine any more, thank God.

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  •  
    Reviewed By neu May 7, 2017

    Customer Service is BAD

    I had to cancel a BMO credit card account - because they sent me 2 different accounts due to BMO confusion. I called and after waiting 25 minutes I was told, clear out the rewards for one account then call back to cancel it, keep the other account. I cleared out the rewards then called, and waiting 35 minutes online listing to recordings, I gave up. I went to their online complaint area and completed/submitted their form, then got back a message "Server is Down." This is what you get from BMO Harris. Phone and online service are seriously underfunded. The local branches are fine, but they have limited hours and locations.

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  •  
    Reviewed By fordtech Apr 1, 2017

    Horrible Auto Loan Service

    Recently after 4 years payments made on 5 year auto loan, I was sent a refund of about 125.00 which this bank said was a refund of interest overcharged. Then they announce that they no longer will accept payments by the coupons we had been using for the past 4 years and that they would be sending an invoice monthly from then on.
    Well I never once recieved and invoice. However each month I would recieve a late bill and 23.00 late charge on the payment! They couldnt pull it out of thier butt to send a bill, but they could send a late bill and penalty charges. After several months trying to get this straightened out I decided to just pay off the loan to prevent them from destroying my stellar credit rating.
    Within one week I recieved 3 late notices and finally a billing for a regular payment plus the late payment after I had sent in the payoff amount.

    It was costing more than the so called refund of interest in late fees and I had never been late using the coupons. They harass you to death for late payment too. Phone calls and all first time ever late and it was their fault it was late.

    So I am hoping that with it paid off now they will finally stop the harassment for payments no longer due. From what I have read in these reviews they seem incapable of tracking what is paid, when its paid, and what is due.

    Also I noted on the only invoice I recieved, that they only allowed 3 working days for the payment to be recieved from reciept of the billing before they hit you with a late fee.

    Never again BMO Harris.

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  •  
    Reviewed By bitemyorifice Jan 23, 2014

    BMO must stand for Blow Me Off

    My circumstances are similar to review posted by boogieboyzgirl
    Have my mortgage with Harris for 15 years and a HELOC for 10. Balloon payment was due in November, began the process of combining both loans in October, but was denied for various reasons. Never a late payment, 780 credit score and 50%+ equity in home. Now I can't get financing because the 11 weeks they jerked me around made the HELOC delinquent. Can't wait to pull all my accounts from them....not that they would notice.

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  •  
    Reviewed By Jeanith Nov 22, 2012

    Stay Away-Horrible Bank with rude customer service

    I became a customer through acquisition. Immediately BMO Harris held my deposit for twleve (yes, 12) days! The check I deposited came from another family member. I was able to product the cleared and cancelled check to BMO Harris, but they still would not release the funds. In adidition to holding that deposit, they gave me a "0" available funds balance...even though I had a little over $400.00 in account before the transition. I am checking with the Attorney General about the legality of this move. They charged me a 35.00 fee, as during the "hold" time I did have one check presented for payment and it did not clear due to the fact they were holding my deposit. I was given the name and number of someone in Chicago who personally puts "holds" on deposits. Needless to say, I was not able to reach this person.
    Save yourself the headache of dealing with these people. Go to a bank that wants your business.

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  •  
    Reviewed By victoria+kirkland Mar 5, 2014

    I appy for a modification on my house loan which is equity line of credit. They did not give me help after 2 yrs.

    how do I begin, I was deny a modification on my equity line of credit. It has been close to 2 years in the working. They finally deny me on Jan 2014. I was first deny in 2012.I went thru the affordable act hud housing counselors. BMO bank deny me because my interest was loan at that time. So I tried again in 2013 .I sent again all my paper work. Given another person to do my modification because the first person said to me that I would never get a modification. I reported her to the chairman of the board in Toronto Canada. He assign a new person to help me. Well guest after all this,after having people investigate my pass. They came up with that my credit report looks good. Now they have reported me to Transunion as being a charge-off with the intent of ruining my credit. I apply because I lost a 50,000 job, now only making 22,000. Please I need help! or I will loose my home of 13 yrs.

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