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BMO Harris Bank

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LAST UPDATED: April 6th, 2021

Started in 1882 as Harris Bank, BMO Harris Bank has grown to be one of the largest banks in the Midwest. BMO Harris Bank serves personal, commercial, and affluent customers. There are over 600 physical branches and over 1,300 ATMs. The BMO Harris Bank service can be found in eight states and includes banking, financing, and investing solutions. 

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The Good

  • Banking solutions
  • Benefits of service
  • Savings account

Banking Solutions

BMO Harris Bank offers a number of banking solutions for personal, small business owners, and commercial purposes. Their products include checking accounts that allow clients to manage day-to-day finances and savings and CDs for extra security. There are also credit cards available to meet all financial needs.

Benefits of Service

Through BMO Harris Bank, clients have the option of choosing between three different account types. Despite the account a client decides to actually go with, all will enjoy the following benefits: online banking with bill pay, online account alerts, real-person assistance through chat and callback, over 1,300 BMO Harris ATMs, and over 600 BMO Harris locations. The actual accounts are broken down as follows:
  • BMO Harris Everyday Checking: meeting day-to-day checking account needs. Includes a chip-enabled debit card, minimum opening deposit of $100, and a monthly maintenance fee of $12. There are also overdraft services available as well.
  • BMO Harris Select Checking: earning interest and getting special discounts are all apart of this account option. It also comes with a chip-enabled debit card and minimum opening deposit of $100 and a $15 monthly maintenance fee.
  • BMO Harris Portfolio Checking: earning higher interest, getting special discounts and other benefits. This account earns interest and includes a chip-enabled debit card and a monthly maintenance fee of $25.

Savings Account

There are also a wide range of savings accounts to choose from. These accounts will allow clients to watch their savings grow, meet financial goals, and enjoy the confidence that comes with a financial cushion. The savings accounts include the following:
  • Statement Savings: Earn interest on your everyday savings and have the flexibility to access your funds whenever you need.
  • BMO Harris Select Money Market: Grow your investment with our high-yield money market account and maintain your liquidity.
  • Certificates of Deposit: Lock in competitive fixed interest rates for your long- and short-term savings goals.

Wealth Management

Retirement planning and wealth management solutions include features like financial advisors, Financial advisors will sit down and plan through the many stages of life. As for wealth management, BMO Harris Bank advisors will help set goals that align with clients' values and aspirations. The BMO Harris Bank premier services allow clients to enjoy the benefits of a highly personalized banking and investment relationship.

The Bad

  • Limited availability
  • Maintenance fees

Limited Availability

The availability of the BMO Harris Bank service is a drawback. Since they do not service nationwide, that eliminates any client that does not reside in one of their states of operation. Despite being over 130 years old, the bank never made its way to the southern or western regions of the United States. Serviceable states include:
  • Illinois
  • Indiana
  • Arizona
  • Missouri
  • Minnesota
  • Kansas
  • Florida
  • Wisconsin

Maintenance Fees

In addition to service area questions, another negative service item that needs to be pointed out includes the charging of monthly maintenance fees. For most checking and savings accounts, there is a maintenance fee charged for traditional services and management of accounts. There are ways for these fees to be waived each month, but certain requirements must be met. If these requirements are not met, the monthly fee will be assessed.

The Bottom Line

BMO Harris Bank provides checking, savings, retirement, credit card, and lending solutions to their varying clientele. Additionally, there are premier services, financial advisors, and wealth management options as well. Those who decide to bank with BMO Harris Bank can expect the following from the service:
  1. Wide range of checking and savings accounts
  2. Online and mobile banking
  3. Retirement and credit card solutions
  4. Limited availability
  5. Monthly maintenance fees
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Hannah Francis Provo, UT

I really do love BMO Harris Bank but I get frustrated often because they sign me out of my system and lock it from me. I am constantly having to create new passwords. However I will say that their customer service is amazing.

5 years ago

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LARRY m St Louis, MO

I would highly suggest anyone looking for a bank please take the time to look elsewhere! Never been treated worse at a bank. The Clayton/Clarkson branch teller was overly rude. Then i tried to get a copy of a deposit ticket and after talking to a customer support person, Ray, for over 20 minutes i asked for his supervisor and then he hung up on me. Called back and talked to Jocelyn who kept asking me to verify account with everything possible including asking me for my login and password. After another 20 minutes trying to explain to her what i wanted, i asked for her supervisor. Red answered after 10 minutes on hold and said its not something they offer. so you can not see a deposit ticket after you make a deposit, totally crazy. Tell my personal banker and he didnt try to resolve the issue just told me to find a new bank, and he is a vice president! Bye BMO

4 years ago

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Carol Deerfield, IL

If I could give a zero-star review I would. I will be writing to the Consumer Financial Protection Bureau for reporting incorrect facts to the three credit reporting bureaus. After several phone conversations and correspondence, BMO Harris finds great joy in citing rules & regulations. The problem is that the numbers and facts are totally incorrect. Horrible customer service. I'll also be writing to an ombudsman. BMO headquarters is in Montreal Canada. They could care less about their customers or facts.

5 years ago