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BMO Harris Review

Full range of online banking tools

Reviews 70

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BMO

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Reviews 70

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Christian Rigg

Nov. 15, 2022

2 min read

BMO Summary

Formed through a merger between N.W. Harris and Co. (founded 1882) and the Bank of Montreal, BMO Harris is a veteran financial institute with physical agencies in eight US states. Extensive investments in online and mobile banking, however, means that anybody, anywhere can open an account and benefit from BMO Harris’s many features, like a 0.35% APY savings account and a highly flexible money-market account (MMA).

Pros

Zero-fee checking account
Flexible MMA with check and ATM withdrawals
Attractive high-interest MMA rates up to 0.35% APY
Special CD rates up to 1.30% APY
AllPoint ATM access to 55,000 ATMs across the country

Cons

High overdraft fees
Standard savings account APY a bit low at 0.05% APY
Low-balance MMA interest rates below national average

BMO at a glance

8.8

Editorial score

Fees?

No monthly fees, overdraft fees

8.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor authentication

8.0

Customer service

Early morning, evening and weekend phone service

8.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities

10.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

10.0

BMO Visit BMO Harris

Advantages Over Traditional Banks

BMO Harris is a traditional brick-and-mortar bank that has heavily invested in their online and mobile banking experience. As such, even those who live outside the eight states with physical agencies can benefit from all of BMO Harris’s great features, including:

No-fee checking account when you opt for digital statements.
No-fee savings account with a $100 minimum balance.
Competitive rates on Contracts of Deposit (CDs) up to 1.30%, almost 2.5x the national average at 55 months.
Branch access for those living in one of the eight states with physical branches.
Access to AllPoint ATMs, more than 55,000 locations worldwide.
MMA with check-writing and ATM withdrawal for easy access.

Cutting-Edge Banking Services

BMO Harris’s extensive online and mobile banking functions make it easy to get a handle on your finances, control your cash flow, and keep your money and personal information secure.

Bills: Receive and automatically pay e-bills, with on-time payment guarantee and 24-month history.
Total Look offers an overview of all your accounts, even those from other institutions, to give you a smarter, more intuitive picture of your finances.
Zelle. Send money to friends and family in minutes, with just their mobile number or email address.
Reporting features for analyzing spending habits, to build a better budget.

Traditional Banking Services

Birthed from the merger of two veteran financial institutions, BMO Harris offers a full range of traditional banking services:

500 branches (mostly Midwestern) and AllPoint ATM network (55,000 zero-fee ATMs worldwide).
Multiple checking accounts, with great features like zero fees and rebates on out-of-network ATM fees.
Range of investment options, including IRAs, with dedicated wealth management agents
Multiple Mastercard credit cards available, including a no-fee Platinum Rewards card.
Mortgages, loans, and lines of credit.
Full range of business and commercial services, including accounts, credit cards, lending, business insights and direction, and special offers on services.

Interest Rates and Fees

BMO Harris has a lot to offer for those looking to safely grow their money through savings accounts, MMAs,, and CDs. The different APYs and rates are listed below, and most of the fees are waivable.

Account	APY	Monthly Fee
Checking Accounts	0% - 0.10%	$0 - $25
Statement Savings Account	0.05%	$0 - $5)
Platinum Money Market	0.05% - 0.35%	$0
Certificates of Deposit	0.05% - 0.75%	$0

While monthly fees are reasonable and often avoidable, the overdraft fees are steep: $36 per transaction, up to four transactions per day, with an additional $7 fee for each day of overdraft beyond three consecutive business days. You can avoid these by connecting a savings account or line of credit for automatic coverage, at $10 per transaction, and by ensuring your account stays in good standing. .

Customer Service

BMO Harris customer service can be reached by phone from 8 am to 8 pm CST. Alternatively, you can also submit a query on their website at any time, and request to be contacted either by phone or by email.

While the website doesn’t have a dedicated FAQ or knowledge base, you can search for articles from the Contact Us page, and may find what you’re looking for. Most product and service pages also have a helpful FAQ section at the bottom of the page, and the Digital Banking section has very thorough dedicated FAQ and demo pages.

Mobile App

As previously stated, BMO Harris offers online banking options for all everyday transactions, and has some fantastic tools for managing your finances:

Smartphone ATM Access means you can still withdraw cash from an ATM, even if you’ve forgotten (or chosen to leave) your wallet at home.
Mobile check deposit makes it easy to deposit checks, even if you’re miles from the nearest branch. Just take a picture of both sides with your phone’s camera.
Apple Pay. Tap to pay with your smartphone or tablet with Apple Pay integration for up to eight BMO Harris bank cards.

Security

BMO Harris has built a number of security features into its online and mobile banking products. The mobile apps come with biometric security, so you can access your accounts using Fingerprint ID (Samsung), or Touch or Face ID (iPhone).

The dedicated Security Centre has lots of information on how to stay safe while banking online, and their guarantee is unequivocal: “We will reimburse you for unauthorized transactions to your personal banking accounts resulting from fraud through BMO Harris Online … [and] Mobile Banking.”

BMO Visit BMO Harris

Summary

BMO Harris is a major financial institute with a full range of online and digital products, including online checking and savings accounts, MMAs and CDs, many of which offer very competitive interest rates. The online and digital banking apps provide a bevy of useful features, like bill payment and smartphone ATM access.

Written by

Christian Rigg

Christian Rigg is a freelance writer who’s spilled ink on everything from finance and technology to data science. Born and raised in Canada, he currently lives in the south of France. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Trustpilot reviews

See what some customers are saying about BMO

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Reviews 70

Excellent

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Average

Bad

91%

barbara rassmussen

21 days ago

Customer service is bad

Customer service is bad, called to just ask a question, got through to first person got hung up,on. Called a second and third time and same thing happened,hung up or disconnect. I’ve banked with this bank for over 60 years when it used to be the Richfield StatevBank then changed to BMO, I’m gonna be lookin into finding a new one after this experience.👎😡

mark

3 days ago

From the worst bank in America to..... 😂🤣😂🤣

So, you went from one of the worst banks in America ( Bank of the West ) to now another worthless money hungry greedy Big bank??? Have people not learned about big banks? There are so many other way way way better options out there than a crappy Bank like BMO, spend a little time and research and find one and save yourself a whole lot of trouble.

sue marie

8 days ago

I took a $15,000 loan out from MY 401k

I took a $15,000 loan out from MY 401k. The check came in and I deposited it into my checking account. I was promptly handed a piece of paper. Which stated there would be a 14 day hold, after My deposit was taken. I was given around $5400.00 Of MY money. I cannot buy my car and now lost the chance, because BMO likes to play games. Why would a bank need to hold a check of my own money for... Now they tell me is NOW 15 business days!?!?

doug barnard

9 days ago

Didn't know a bank could be this bad.

Bought RV through Bank of The West. BMO bought BOW. Online banking acts and looks like a high school kid wrote the code. No way to process principal only payments. Also, not sure why they call it a customer support line. Total crap bank, searching for new finance tomorrow.

jim innis

9 days ago

customer service is non-existent ..this is TBS

Customer service is just terrible..both on the phone and in person at a branch.. BMO corporate must be cutting these jobs to decrease costs...my complaint was originally with online banking.... after ,literally, tens of hours on the phone and three times in person at a branch...no one was able to help..all pointing fingers at other BMO divisions, etc..qould give a negative if possible...I do not know how they are still in business

kimberly arino-lacock

17 days ago

If I could give negative stars I would

If I could give negative stars I would. I discovered that I had some Checks stolen and fraudulently written forging my signature. I tried to resolve online and over the phone and finally came into the local branch (Bank of the West until a few weeks ago). I spent two hours while the banker tried to help me, and was on hold and transferred no less than 3 times. Waited on hold for over an hour with no resolution. I simply needed to dispute the fraudulent checks and close the account number. Basic banking. None of these bankers knew what to do nor did their online customer service reps. Unbelievable.

roseliz rojas

21 days ago

SO MF HORRIBLE!!

SO MF HORRIBLE!!! i’ve been having problems with this bank for 5 DAYS STRAIGHT! hold time is Terrible, Customer Service is TRASH , so many times they effing hung up on me, BLOCKED MY CARD, MONEY DISAPPEARING AND REAPPEARING EVERY DAY. What a damn FREAK show. i’m about to get evicted because these muthafuckers keep Surprising me every day to my account! i never ever had these problems with Bank of the West, I will be moving banks this weekend. stupid piece of Crap bank.

craig l vann

23 days ago

Do not do business with them

Do not do business with them. They'll wipe out every account and shut down they're banks nationwide. It's a heist .

jessica chapman

24 days ago

If I could give zero stars I would BMO…

If I could give zero stars I would BMO joined with my Bank Bank of the West switched my routing number on my accounts. Was on hold for over hour and a half to be hung up simply for asking are my payments going to go through and do I need to now change my direct deposit which gives me no time to get done if they knew they were going to be changing stuff by a certain date Mail or email would have been nice made payments with checks who knows if those are going through. I liked Bank of the west but I might be changing after today's service.. Still need to call back to actually get they information I need hopefully not another hour and a half call to be hung up on. Bank of the West should have just stayed by itself never had an issue till they joined this bank.

markus watson

24 days ago

Absolutely worthless customer service

Absolutely worthless customer service, bank of the west now falls under BMO. When the transfers are complete I am moving my money out of BMO.

patty perner

a month ago

So many issues with this bank

From getting locked out of my account and stranded numerous times due to "daily updates" and unable to check my balance or use my debit card with MY MONEY at all, to getting shut out of my account IN THE MIDDLE of my vacation followed by a completely headache-inducing 30 minute verification process with ridiculous questions such as which STREETS are nearest to my house and which DIRECTION they are in, to now being locked out of my account for 4 DAYS due to "migrating Bank of the West customers". How about focusing on your OWN customers first to make sure that their needs are taken care of? Those Bank of the West customers should be migrating as far away from this bank as possible. Since online banking is closed for 4 days, you will get directed to a phone line which is ALSO closed during its regular business hours, and won't be able to check your balance at the bank either since it is closed for the weekend. This is the worst customer service I've ever experienced with a bank and BMO has failed me time and time again. I am now migrating MY MONEY to a bank I can actually use as there is no reason for me to allow this kind of treatment as a customer and no incentive to stay with BMO.

frank kwiatkowski

a month ago

Just want to update my last review

Just want to update my last review. Still a terrible bank, at this point I only have myself to blame for not getting a new bank. Todays issues are the app isn't working. BMO's app is always under construction, one minute you can't log into your account, when you finally can, all the features are locked out, they are always working on the app but I dont know why because they dont fix anything. Also customer service is just as baffled by all the BS as I am. I don't think anyone actually works there its just Chatgpt hooked up to a speaker. Still need to find a new bank.

jerry

a month ago

ATM malfunctioned 2 weeks on a row.

ATM malfunctioned 2 weeks on a row. First week went into bank told them about Problem. They said that was aware of problem happens all the time. I was not Debeted by ATM fist week but was second week. I did not get my money from ATM. I was charged by ATM and Teller for $300.00. I called 800 number to Make a claim and a women in India calling herself Chenell said it was taken care and Would be back in three to five business days. This happened on the 11 Aug. I had company until 18 Aug. Went to bank on 18 Aug and was told nothing had been done as I suspected. Women just told me That to get rid of me. This happened at Packerland branch in GB. I did not get name of lady that filed the claim but she Case I.D. 20230818000063 on back of Joseph Dulak business card. The women Said they have been trying to get machine Repaired or replaced. No response. I am 83 and this is first time I have had a Bank make an error. I am lucky that I do not live paycheck to paycheck, but there was A time when I did and could the difference of buying food for the week. It happened on 11 Aug i called on the 12 to report problem. Their key response is 3 to 5 business days. Which I started counting Again today. If ATM have me $300.00 too Much they would not wait 4 to 5 business Days to take it out of my account or repay it.

ryanna cartwright

a month ago

They like to cause you pain!!

They like to cause you pain!! I called to let them know that I was going to be out of state to visit family. Prior to this, my account had no restrictions. The agent who answered the phone asked who they were speaking with, and nothing else for ID, not even my telephone banking password, which is what I created it for. They proceeded to tell me that they could not confirm my ID, locked me out of my account, and told me that I have to physically go into a bank. I was already traveling. I had to spend my whole vacation without access to my vacation funds because I tried calling BMO to let them know that I was traveling. This is the fourth time that I've been locked out of my account after calling about something not even related to account problems, just to ask a question or inform them about something. This will be the fourth time that I have to go into a bank and prove that I am who I say I am. This will be the last time BMO robs me of a vacation because it's easier to lock me out of my account than it is to ask me for my telephone banking password.

peter ibsen

2 months ago

Ridiculous customer service

Ridiculous customer service - very nice people on the phone, but working within super narrow boundaries. They will ask you to do stuff that doesn't really matter just to get rid of you - like all of a sudden inventing a problem with your ID, having you resubmit a notarized copy of an ID, and when you do, not reacting to it, hoping you just go away. If you ask for a manager, they will put you on hold until you hang up. Stay away from this company.

keith

a month ago

Nothing to see here, move along

Can’t see your car loan payments unless you have a checking account. I got a used car thru a Ford dealership ($18K) and financed thru BMO. I tried to get a checking account thru BMO so I could see my loan account- got denied with just under an 800 credit score. Tried to make a payment over the phone- got kicked out because I answered 1 of their many timed questions wrong- I now have to go into a branch office- I have never experienced anything like this or have been treated like this in my whole life- this place is more than unbelievable- it’s a disgrace. Update- I went into a large branch office to get the loan payoff- was told I could NOT get a payoff there as they don’t have access to that info- really? They told me I would have to contact Customer Service- the same ones who told me to go to a branch office! I finally convinced 1 of the 2 tellers there to fax someone to MAIL me the payoff. My Credit Union must have somehow gotten the payoff because I have since closed the new loan thru my credit union and my first payment is Sept 10th. I did loan all thru email. I got a letter in the mail yesterday- guess what? My payoff letter just came in the mail!

consumer

2 months ago

BMO Bank has horrible ph customer…

BMO Bank has horrible ph customer service. There 6 digit pins take forever and there hold fraud department 8776859058 places holds on deposits and don’t answer the ph or communicate with customers before place holds. F in communication this is not who u want to trust with deposits

caterina de marco

2 months ago

E-transfer go to be the worst of all…

E-transfer go to be the worst of all Banks. OMG! What a nightmare. Cancelled an E-Transfer because it took forever to go through but the money was never deposited back into my account. I'm on the phone with customer service and we are 25min and counting. no money returned yet. just awful!

daniel

2 months ago

DISMAL PATHETIC CUSTOMER SERVICE!!!!!!

BMO bought Bank of the West which had horrible phone service with one hour wait times....nothing has changed. I'm now on hold for the 4th time in 3 hours trying to get access to my acct. Login says send a code to my phone...code NEVER comes and tonight no email option. After 2 hours I finally am confiming my address as last item on identity confirmation and iti drops my call!!! Do THEY call back? Of course not. Another 45min wait....and this guy says he can't help me but will transfer me to person who can....and no I wont have to wait again....he transfers my call and first thing I hear is "45 minute wait". This 10yr customer who has had up to $250k in a checking account is emptying it tomorrow, never to return. F k your horrific service!! and your "Were all in this together recording since covid to explain wait times" no longer excuses your pathetic pay which prevents employee retention. You make your CUSTOMER suffer to save money. I wish I could punch your face.

jane smith

2 months ago

BMO is the worst financial institution…

BMO is the worst financial institution I have EVER dealt with. Completely unprofessional and scammy. I have been banking for over 40 years with numerous banks personally, and I do accounting for a living, so have dealt with many financial institutions commercially as well. In all the years with all the banks, BMO is BY FAR THE WORST. They have a pile of my money and I cannot shake it loose from them; they had no problem taking my funds from my other banks to open BMO accounts, but now suddenly they can't seem to get them transferred out when I need them. I am preparing to file complaints against them with the BBB, FDIC, OCC, FRB, SEC, any agency that will listen.

dzung nguyen

3 months ago

Worst doing business with BMO Alto

Hello, I am from Southern California, the first time had very ugly experiences with BMO Alto. I have opened CD acct with them and kept calling them back but calls waiting was so long. Two days ago, I was patient enough just to get to talk to the Customer Service who was the female. I told her that I want to close acct since customers line waiting was always long. She told me the acct is automatically closed if no transactions involved. The two small transactions withdrawn from my Chase bank will be automatic reversed. So the call hang up. Yesterday, I logged in to my Chase and saw 2 transactions of $100 K withdrawn from my Chase to BMO Alto without my knowledges. I was v ery mad since this person must be a Crime in order to do that. I called my Bank immediately to dispute and asked their lawyer to track the person who did that. My bank already initiated the dispute to get my money back to my Chase acct. I have no way to take "1 star" out of rating.

mehak ahmed

3 months ago

worst bank ever with the worst customer…

worst bank ever with the worst customer service, so rude and most of the time dont even know what they are talking about since none of them speaks english.

steve

3 months ago

I have their credit card because they…

I have their credit card because they offered reward points. Rude customer service, especially on the rewards points line, very long hold time, she referred me to a rewards points website that didn't open. I'll never use this bank again.

bob

3 months ago

Terrible

Terrible, I really don't think anyone who works there can speak english. I was trying to track down my title after paying off my loan and it was an absolute nightmare. Stay away from this bank if you want to maintain your sanity.

anthony low

3 months ago

Worst banking experience of my life

Worst banking experience of my life. Customer support queues are awful, I was just trying to open an account and they spun me around in circles between the Phillipines (I think) and the US, for 2hr and 45 min and then hung up on me. All I was trying to do is to get them to help me CREATE an account login after I xferred money into the account. (but did not have a login yet, it was not presented to me to do so). STAY AWAY!! I had to block them from the other side as they would not let me into the account I created.

frank kwiatkowski

3 months ago

This bank is nuts

This bank is nuts. They have security questions set up. I screenshot my answers to be sure that I don't forget what I put. It locks me out every other month saying my answers are incorrect. They lock my zelle account and then it takes 1-3 business days to get unlocked - no explanation as to why it takes so long. I spend hours on the phone with them trying to get answers. Of course no one knows. I can't transfer money with out getting locked out. Logging into my online banking is always a circus. I have to find a new bank.

luke

4 months ago

Worst bank in the world

Worst bank in the world. Bad service, disconnects, just horrible, PLEASE GO BANKRUPT and do the world justice. You are about to be sued, align with canadas decision... you can't even share info its illegal.

awasiki

4 months ago

BMO doesn't even deserve a 1 star rating!!!

This is honestly the worst bank I have ever applied for. I completely regret applying to this bank. The only reason I wanted this bank was to apply for a CD because of the high interest rates. First, I tried to applied for the CD but it said I didn't have any records. In all my years of banking and applying for credit cards, I was never told this by a bank. So I decided to put my spouse as the holder of the CD. I was able to do that. When I got the CD under my spouse's name, I wanted to put my child as a beneficiary. BMO says it's an online bank but it's not. You can't do anything online!!! I have to call the phone number they provide. I call the number and the representative sets up the beneficiary and tells me that I have to wait 30 days for the beneficiary to get set up. 30 DAYS!!! I asked if I would get any documentation but the rep says I can only see on my online bank. I still don't know if the beneficiary is set up or not. Then, I wanted to put myself as a joint owner along with my spouse but I can't do that online either! I call the number to set myself up as a joint owner, and I'm told that the representative can't do that. The rep transfers me to her supervisor and the supervisor tells me she can set me up as a joint account owner. Unfortunately, I got disconnected and I didn't get her name or phone number to call back. I call BMO again and a rep from the PHILIPPINES tells me to go to the nearest BMO branch to be set up as a joint owner. I would've gladly gone to the nearest BMO branch except the nearest branch is over 100 MILES away from me. The representative can hardly speak understandable English and doesn't know what America looks like or know where we live. Eventually, I'm set up as another beneficiary. I spend a week, making calls to BMO to get the same response. "gO To yOur nEAreST bRanCH WhICh iS oVEr 100 miLeS fRoM WhErE yOu LiVe aND thEn yoU CaN bE SeT uP aS a JoInT oWneR". Finally, I get transferred to a rep. He tells me that he'll get it set up and he'll call back. They will never call you back. It's a joke. I call back one more time, telling myself this will be the last call to BMO. A representative finally sets me up as a joint owner. I have never had any experience with a bank as bad as BMO. Save yourself the misery and don't apply for this bank.

piel canela

4 months ago

Honest & True to its word = BMO

It is nice and refreshing, specially nowadays, when a financial institution keeps true to its word. BMO’s management demonstrated that to me just a few minutes ago when a supervisor reversed a fee that was charged to me 5 months ago. Back then, I called to ask about the fee, and I had been told it would be reversed but it wasn’t. At this point I wasn’t concerned much about the fee $, but the principal. If you are looking for a financial institution that is willing to be honest and true to its word, BMO is the answer. Also, I have been blessed to have been helped by nice, understanding, and Knowledgeble people every time I have a concern. It seems to be their nature to be kind and honest.

honest reviewer

5 months ago

Stay Away!!!

My experience with BMO and my vehicle loan was nothing but negative. So they give you this huge payment booklet… for your entire loan term. They make you write a check and mail in that check along with the paper payment stub from the booklet every month. 72 months x .50c stamp = $36! This is so 90’s it’s laughable. I can pay for something online (literally every other bill I have) in two seconds and get a receipt. Auto pay is even better and most of my bills are on autopay. BMO charges for an online payment. What? How is paying online harder than collecting ??idk how many checks every month and having someone open every envelope by hand and deposit the checks. I have never received a payment confirmation or receipt from BMO Harris. The irony: There have been several months (about seven) where my mailed payment was no where to be found. “Oh, it probably got lost in the mail?”, “did you forget to send it in?”. I am convinced the company had misplaced the checks. More money for stamps to send another payment in… I’ve had to beg the employees to reverse my late fee and prevent anything from ruining my credit. This shouldn’t happen more than a couple of times. I haven’t had as many issues getting my mail to anyone besides BMO Harris. My loan ends in June (about 15 days from now). I am so happy!!!

ursa mahan-worlds

5 months ago

Terrible, terrible, terrible!

I applied for a loan and was asked about my heat bill....they don't even count utilities. I was just denied a credit card with a 773 credit score! I have been on the phone trying to contact someone about this because the reason the gave was: Unable to Verify Identity. I have been transferred 10 times and I am still not at the right department! I'm still on hold! I have been on the phone 15 minutes!

thebest around

5 months ago

Stay away! This bank has shady practices!

If I could give negative numbers for reviews I would. This bank has cut my card off and left me stranded many times. It has “updated my pin” without telling me and left me unable to pay in crucial situations. This bank always has underpaid employees that give me some of the worst service I’ve ever had in return. This bank has THE WORST customer support system that one could ever have the displease of experiencing. It wouldn’t be enough for this bank to just go under tomorrow, because they would still owe all the time, money, energy, and opportunity they’ve sucked out of their “customers”/suckers. If you made it this far, please, please leave as many bad reviews as you can until everyone knows what kind of animals they’re banking with.

chuck cap

5 months ago

CAN NEVER SIGN IN

NOW they don't even recognize my SOC.SEC #. I've had it since 1963!!!!!!!!!!!!!!

mark barber

6 months ago

bmo is not a bank you want

2 days in a row i can not log in day one it had me change my password i did got in then today i tried to log in could not talked to 2 people got it had to use a net pass word again got in she said to stay in the site for a few i did tried to log back in and again could called back again the 4 time today lady was rude and she started to tell me about the bank of the west that they just got i told her i can see that from the bottom of my screen she then said that she don't have to tell me that but i was getting kinda pissed since she was being rude she then told me to try to get in latter or the next day so that makes 2 hours of talking to 4 people and i am getting no place with them

david fink

6 months ago

Canceled my debit card without…

Canceled my debit card without notification. Can not get anyone at customer service to reactivate it.

nelli hovhannisyan

6 months ago

They blocked my card and that of the…

They blocked my card and that of the authorized user (husband). No notice was given as to why. My husband tried using his credit card, but it was declined, and it was really embarrassing for him. When called to see what was going on, no reason was given but they certainly asked me get my ID notarized and send a copy of my ID and the notarized letter to them, I said WHAT? Why asks for a notarized ID not to mention,,, why in the world would I waste my time and resources $$ on finding and then paying someone to get my ID notarized to send it to them? They could have asked just for a copy of my ID. I'm from the US and no bank would ask you for a notarized ID to be sent to them. Never heard of it. The best part is that when I told the agent to close the account, she told me that I need to send them a letter requesting to be closed :)))) Again, in the US, never had a problem asking a cc company to close my account over the phone. Seems like a toxic passive-aggressive bank which makes it a hassle for customer to be dealing with them. I'm going to pay off my balance now and throw away the credit card, let them close it themselves in a few years. Not worth the time when they don't even bother to warn you that they blocked the card to save you the embarrassment of spending it.

laura

7 months ago

Worst bank I have ever banked with

Worst bank I have ever banked with. Wasted hours of my time getting my account unblocked for NO REASON, EVERY WEEK.

coinloaner

8 months ago

FALSE ADVERTISING!

FALSE ADVERTISING! For the Savings Builder account, they promise to give you $5 if you add $200 per month to the account. THAT IS A LIE! They cheat you your bonus if you make any withdrawal, even if the amount at the end of the month is still $200 more than the end of the last month. Horrible business practice!

river kalinowski

8 months ago

WOKEST bank out there SHEEP stay away baaaaaaaa

My family has had many accounts at this bank in Dodgeville, Wisconsin throughout generations but I think we will be pulling our accounts soon. They completely messed up our interest earned on our accounts. Math is not their specialty. Funny being that they are in the numbers game. Funny probably isn't the right word, ironic is better. When emails are sent they are not responded too. Much of the top employees are a bunch of hard left leaning woke liberals. Terry Edward's left and we couldn't be happier. A new guy named Bill came and took Terry's place. Bill was amazing. We thought Terry was OK until he showed his true colors on social media for the whole world to see. His ideals are much like the woke liberal teachers in this town. Once Terry left we felt we could stick it out with the new guy. Bill was so friendly, down to earth, helpful, realistic. He walked us through different options and accounts we could make some money on. Terry never did anything like that. He acted like that was below his pay grade. Bill was so nice to our daughters. One was thinking about pursuing work in the banking field. Bill spent time with her and answered questions about a possible career. One day I went in to ask Bill a question and he wasn't there. He wasn't there not just because he went to lunch or he was sick. No, he was gone, completely gone. We were heartbroken. People like to gossip in this town plus we know a couple of people who work in the bank. BMO didn't like the fact that Bill was a Christian and a Conservative. He liked Donald Trump along with 81 million other people. Other employees, woke employees, didn't like Bill and what he stood for. He stood for life, God and country. He was always strictly business with us and others. But they had to come up with some excuse to get rid of him so they can go ahead with their plans to ban Capitolism to bring about Communism. BMO participates in global solutions for banking, centralized one world govt and currency. Bring back Bill, keep Terry gone, and maybe we will stay. Just maybe.

josh j

8 months ago

Wokest bank ever, baaaaa lots of sheep

johna

9 months ago

Bad customer service in Sarasota, FL

Head, Retail Markets in Tampa has NO customer service skills and is not good to BMO customers. I will be withdrawing my money at maturity in 2 months and will NEVER bank there again.

john knotek

9 months ago

The worst for start up biz The credit…

The worst for start up biz The credit card service is an absolute mess. We spend more time on the phone or in a branch that we do making money. Don’t do it!

laura

9 months ago

I have never been more dissatisfied…

I have never been more dissatisfied with a bank. CONSTANT blocks, holds, declines and very slow deposit times have made me miserable banking with them. I have to call just about every week to get them to remove some overprotective block they’ve put on my account. I have missed payments and deadlines because of their paranoid incompetence. Run, do not walk, to another bank!!!

junjun b

9 months ago

Debit Card Activation

I'm simply trying to activate my new debit card and it took them more than 30 minutes...and it's still not activated!!!! They are simply horrible. They need training coz they don't know what they're doing.

sonya m

9 months ago

Acct frozen, berated, accused of fraud..

Opened a account online with a small transfer deposit. Went into the bank, it’s full identification, debit card made a small withdrawal and a few online purchases, no problem. 2 weeks later, went into a branch, deposited a check. Got a phone call roughly 10 hrs later accusing me of bank fraud. Account was completely frozen, 2 days before Christmas. Not just the check that the individual accused me of possibly acquiring fraudulently. But, the funds that were in the account for weeks. The person on the call then proceeded to inform me that BMO Harris pays him very well to stop people like me from theft and that he doesn’t care what time of the year it is. He will not allow me to steal thousands of dollars. Wow. I understand the need for banks to protect themselves. But, is it necessary to be disrespectful and demeaning?

nichole lawrence

9 months ago

WE'RE UNABLE TO AUTHENTICATE YOU......

I promise you'll regret your dealings with this Bank from the very first conversation and it goes downhill from there. I was pretty sure that my experience with them just have been an anomaly then I started checking into the reviews and words can't authenticate repeatedly It was char it's no anomaly that's how they do business. Read the very first review its spot on! They can't identify you no matter what and they will lock you out of your account. While you're locked out if you're like me you'll get two or three additional offers from them in the mail to open another credit card account pre-approved just sign here. Ridiculous! After spending an hour on hold they transfer me to the fraud department there is 2 hours on hold I don't get through so I called back the next day and when they transfer me I asked them hey how about this just tell them to call me when they are able that way I don't have to hold for 2 hours no they can't do that. So I'm waiting 2 hours for a guy to "authenticate" who doesn't even know how to make a phone call? Adding to the ridiculousness while you're on hold waiting you'll hear it repeatedly how they use voice identification technology to verify your identity. So on one of the few times I got through after waiting on hold for them to authenticate me I asked them that why don't you use your voice identification system to authenticate me and they've (this is the fraud department?) never heard of it. Here's another good one after waiting when they finally answer in the fraud department they'll ask you how can I help you? Really??? I thought I was holding for the authenticator? Another time actually a couple times when I've called they told me the only way they could authenticate me is I would have to come into a branch and they can physically examine my ID. The nearest branch is over 3,000 miles away! And here's the real killer-my hotel room got broken into and they stole my credit card so I called to report it and me I have to authenticate myself first but I can't even though I have all the right information so I say okay well that's fine I don't need a new card that can we just stop this card so that someone else doesn't charge it up? Well no they can't do that because we can't authenticate me. But aren't you supposed to report lost or stolen credit card immediately to the fraud department? I think when the guy in the fraud department answers and says how can I help you I really think it's because they don't know what they're there for either. And before you even get to the fraud department you'll go through three other transfers in all three of them will ask you your name address phone number last four of your social security number before they transfer you to the next person that will ask you the same questions. It's no wonder it's ours on hold before you can speak to someone. Save yourself a major headache these guys are just way too paranoid.

ken cammenga

10 months ago

I'm a new on-line BMO savings customer

I'm a new on-line BMO savings customer. I was locked out several times because "they couldn't identify me." Three customer service reps said I'd have to go to a branch to identify myself. Unfortunately, there isn't a branch in the whole state of Michigan. Since I couldn't access the account that I transferred money into, I set up another account and transferred the money between BMO accounts. The story goes on and on. BMO needs a person to test their user interfaces. They also need to change their security procedures. I'm sure that their very difficult security features have lost them a lot of new customers. Out of the 4 customer service people I talked to, only one knowledgeable and helpful; although she said I'd be getting an email explaining what I had to do....but no email has arrived asof 30 minutes past our phone call.

jim

10 months ago

Tried to open a cd

Tried to open a cd, I was asked for my current bank info to fund cd electronically, which I gave. Then I got a message that there was an error and account could not be set up. Few days later I get an email that account was indeed set up, with a note to "click here to fund", link didn't work. I called bank and was told account was not setup but if I answered a few questions, they would set it up for me. I was then asked the most bizarre questions including "did a third party help me get my driver's license over 30 years ago"? Most bizarre experience I have ever encountered, I'm kind of expecting them to somehow deduct the funds from my bank even though I instructed them to delete my account immediately.

watermelon

10 months ago

Horrible customer service

Horrible customer service. The reps are from India, the phone connection is always bad. I had to spend 10 minutes to give out information before they can look up. Spent 5 minutes just for them to understand my name. I had 2 encounters that Indian reps lied to me something they didn’t do. I asked their name, they hung off. What a joke, Stay away.

a year ago

Inept - stay away

They have botched pretty much every step of my auto loan. They still haven't sent any paperwork after 90 days. Customer service reps seem to have no idea how their own systems work. Autopay forms must submitted via snail mail and take "3 to 45 business days to process" (not a typo, up to 45 business days), and in that time period they will charge you late fees and report you to collections / credit agencies. Trying to get anything resolved is an endless series of transfers to people who have no idea what is going on, or leaving voicemails that go unanswered. Save yourself time and frustration; work with literally any bank besides BMO Harris.

believe

a year ago

Horrible customer service

Horrible customer service. They don't have the right information, don't listen to you and make you run around to serve their needs. After calling many of their customer service reps, issues are still not resolved. Horrible that they won't even listen to their customers.

marc z

a year ago

Worst Customer Service of Big Banks

90 - 120 minutes wait time for customer support by phone...up from 40 minutes 5 years ago...fees keep increasing and service keeps deteriorating...if you want to avoid stress and frustration in your life do yourself a favor and choose another bank. ANY OTHER BANK.

dwana gibbs

a year ago

HOLD BMO HARRIS BANK ACCOUNTABLE FOR THEIR WRONGS

1 STAR IS TOO MUCH AMERICA, On August 25th, 2022 at 4:28 p.m. I called BMO HARRIS since the Branch has NO control and the (800) RUNS the Bank! Explained my reason for calling as asked, when I stated BMO had corrupted my positive $0.00 account in good standing by giving for the fourth time in months. My money to a company that was not supposed to be paid. That actually had approved my REFUND of $63.29 which is on the way. Prior to BMO HARRIS putting me in a NEGATIVE Balance of $63.29 by giving funds to this company. From a card that was CLOSED over a month ago by a supervisor to help me protect my Bank account from future fraud. A card that IS INACTIVE and CUT UP! I had NO worries about any transactions being paid from this card. ONLY incoming pending deposits if any. I wanted to speak to a Supervisor, and the Representative HUNG UP IN MY FACE! I called back of course and waited for a callback when I did speak with the Escalation person. Again No empathy, No accountability from BMO Harris, Only SMUG Excuses Of How, and Why they were able to do this. I asked if my card is closed and cut up why were I not contacted prior, they responded they don't do that. Now with the overdraft of $63.29, I will not get a dime for it all is going to BMO Harris for their NEGLIGENCE of putting me in overdraft, by paying this company with funds I DID NOT HAVE AVAILABLE TO PAY ANYONE! Mind you when my account is empty I CAN NOT EVEN BUY A LOAF OF BREAD. I will not get one dime of money owed and honored by company in paying me. It seems America is HELPLESS at the ILL treatment and NEgligence of Our Banking Institutions THIS CYBER space Of every LAZY company turning all of our data financial info to computers. MISTAKES CARELESSNESS AND PROBLEMS are ONLY Going to become more FREQUENT and WORSE! I will be closing my account as soon as I am in the positive Next week and Moving my future MONEY to PAYPAL! which I should have done a long time ago when BMO HARRIS BANK started being SLOPPY UNRELIABLE and CARELESS With My Money! AMERICA DO NOT ACCEPT BRIBES TO OPEN ACCOUNTS. THEY DO NOT CARE! WILL NOT MAKE ANY effort to correct their mistakes! I am SO SAD, I AM Heartbroken not over $63.29, It IS NOTHING TO MOST BUT ON LIMITED INCOME IT MEANS FOOD AND MINOR THINGS WE DESPERATELY NEED! The fact that a multi-million dollar corporation can just Do This to people who Have NO means to hire an Attorney to fight For Them. That NO ONE CARES Enough To LISTEN TO THE PEOPLE! READ THESE REVIEWS! MANDATE BY LAW THAT BMO HARRIS AND OTHER INSTITUTIONS That are NEGliGENT LIKE THEME Be HELD ACCOUNTABLE FOR their WRONG DOING AND HORRIBLE TREATMENT OF THERE CUSTOMERS That Trusted Them With Their Livelihood! Their Income! There Savings! There Money! IT"S HEARTBREAKING!

tony cornejo

a year ago

Crap bank with horrible customer…

Crap bank with horrible customer service. They illegally hold checks and can’t stop the real fraud but they hold non fraudulent checks for weeks. How do you hold a check for fraud after y on ve already taken the funds from the issuers account? Stay away! Not even the person at your local branch will help you if you have a problem, just ask Ryan at the calumet Ave branch in Hammond Indiana if he bothers calling you back. Acts like he cares but he don’t

tiffany

a year ago

Do Not Use This Company

This is the worst company I have ever had to deal with. They are unable to verify you even with ALL of your personal information!! Very unprofessional and I am so glad I sold my car and no longer have to deal with this company again!

oscar yip

a year ago

Freeze your account to lock up your money plus the worst customer service

Opened an account in April 2022. 3 days later my account was suddenly frozen by Kelsey Thompson from Fraud Dept. She requested 3 pieces of documents to prove my identity in order to un-freeze my account or it will be closed. I just moved to my new house and so I cannot provide the utility bill that she asked for. So, I agreed that she can close my account because of this. she sent a letter to me by post to confirm this decision a week later. However, 3 months passed and I can still see my frozen account sitting there without being closed. Everytime I called them (both Fraud dept and general BMO customer service) they still ask me to prove 3 forms of documents to un-freeze my account. I am very confused because you said you want to close my account. Why I still need to provide these documents now? They said if I don't provide the documents physically in a branch it will take a very long time to close it naturally. I don't have a branch in my state and of course I won't book a flight and hotel just fly to another State just to show them my documents. The worst thing is they started the whole issue from freezing my account, wanting to close it, not closing it and then requesting me to go to a branch to do nonsense. Even putting aside my account issue, every time I called them to explain my situation, all the customer representatives were so rude. They either never answered my call, promised to call back but never, or passed me to an irrelevant department that ends up wasting so much time. I didn't do anything wrong. The only mistake I made was to open an account with you in April. I didn't feel I was treated as a human honestly. I just want to say this is the worst banking experience I ever have in my life indeed.

mark haddad

a year ago

Call their Fraud HOTLINE after your…

Call their Fraud HOTLINE after your card gets hacked. Here is the number (262) 641-1998, call it! Let us know how many hundreds of times you had to call for them to actually pickup. Ive been callkmg for over 24 hours and they never answer. I had to contact the CFPB to report this as horrible customer service. I even contacted 2 branch managers and they cant get them to answer or call back either. In my opinion - banks that act in this manner should recieve a well deserved MASSIVE FINE. This is exactly what horrible customer service is all aboit and they still just dont give a sh!t... PATHETIC BANKING AT ITS WORSE! DO SOMETHING ALREADY

otterlike

a year ago

Deactivated my account...

Deactivated my account since it wasn't being used for a couple of months... Then I have to make a new one and go to activate my card at a gas station. They transfer me and expect me to wait 40 minutes to ACTIVATE my card. Get more staff or don't transfer someone for no reason who entered all the information correctly! I wanted to swap banks for a better experience and now I'm choosing to let you guys "Cancel my account" by yourselves again because of this poor service.

cory johnson

2 years ago

worst online banking experience ever…

worst online banking experience ever trying to access my car loan and they keep telling me i have wrong number i just want to know how much i have i owe on it so i can pay it off. I will never do any banking here again

2 years ago

I was able to start an account online

I was able to start an account online, which was awesome. I did have some issues at one point, because they charged me fees when it was supposed to be a free account. They did correct it, but still. I have not had an issue for the past year or so, though.

julia

2 years ago

Terrible online functionality and customer experience

Limited online functionality so have to call customer service each time and wait 30 minutes+ to speak with a rep who is helpless to do anything.

michelle bowman

2 years ago

Worst bank ever

Worst bank ever. They froze my account or no reason! I can`t use my money since summer! I think this is a fraud. Do not use this bank!!!!!!!

katie in nh

2 years ago

Worst bank I've ever used - by leaps and bounds!!

I use BMO Harris only because the company bought Diner's Club from another bank a few years ago. I have banked with many entities, ranging from small credit unions to large, multinational banks, and just about everything in between. My work has required domestic and international travel for my entire 40 year career, so I've seen it all. Between my Amex and Diner's accounts, there isn't much a traveler would need, so I rely heavily on both and wouldn't think of getting rid of either. However, since BMO Harris took over Diner's, for me it's been nothing but trouble, hassle, absolutely horrendous - no, nonexistent - "customer service". I cannot say enough about how bad my experiences have been. The company forced closure of the old Diner's website, which was simple and intuitive, and provided easy, fast access to information and accounting tools, and changed it over so that Diner's account had to join the HORRIBLE BMO Harris site. The information needed to manage an account properly is almost hidden, and in my view, the site is incredibly un-intuitive and user-unfriendly. Evidently, you can't even change your personal information and contacts online; I tried by contacting them through their website but I was told that I would have to call them with the information. This is incredible - they are not only creating more work for themselves with this policy, but making more work for their customers, not to mention the ill will. Other normal online credit card management options are unavailable to Diner's users, also, it seems. The telephone reps, when I could get through, have been consistently uninterested in hearing my difficulties, offered seemingly pre-canned excuses, and have even been downright nasty at times - shockingly so! It's also my opinion that payments are slower to be credited with BMO than with any other bank I use. If not for the very nice Diners Club services provided to travelers (features that were made available long before BMO got its hooks into Diners), I would trash this account. I thank my stars I don't have to bank with BMO Harris in any other capacity, and one day, when my life requires less travel, it will give me great pleasure to terminate my BMO Harris account.

sue

2 years ago

I LOVE BMO HARRIS BANK!

I LOVE my bank, BMO HARRIS. I have been banking with them since 1992! ALMOST 30 years! And in that time, I have NEVER had a bad experience OR a bounced check! THAT, is why I've been banking there for nearly 30 years. Unlike most other banks, if you over draw, they will give you 1 day to cover the funds, thereby never charging you an overdraft fee as long as you do. As well, I had a 10 year, $10,000 line of equity with them that I paid off and never had 1 problem with. The customer service is always excellent and any money that I have ever deposited, has always been available immediately/almost immediately. Having said all of this, I must admit that I have to wonder about the financial responsibility of any of the complainers on here! The easiest bank EVER!!

2 years ago

Had the worst banking experience of my…

Had the worst banking experience of my life at the Chicago location. At this point, I am thinking of shaming them publicly with my recordings and or filing suit. Any lawyers reading this want to advise me on what to do?

jive j.

2 years ago

Been with them for years and never had…

Been with them for years and never had a problem, their sales reps are always there to listen and I feel safe keeping my account at BMO. Keep up the good work!

lawrence benzvidez

2 years ago

Frozen account and stolen funds

Terrible bank, will freeze your account without any explanation and doesnt allow to withdraw funds. Please stay away from this bank ((((

blaccmamba

2 years ago

Received great customer service at my…

Received great customer service at my bank location. That's not the reason for the 3 start review. It takes FOREVER to send and receive a deposit with BMO Harris bank. It takes nearly 5 to 7 days to update on your account or external account. Also having issues purchasing crypto using my card. Think they don't want people purchasing crypto using there bank cards. Right now I'm looking for a card to do transfers and this one will not work. May have to close it soon..

ily em

3 years ago

Amazing Relationship Banker at 27th Ave Location Phoenix

Shout out to the amazing Relationship Banker, Kyle DeVoe NMLS: 1765373 | Retail Relationship Banker | Deer Valley 19828 N. 27th Ave., Phoenix, AZ 85027. Kyle is not only helpful but he is proactive. I had a deposit issue at another branch. I contacted Kyle for assistance but was advised that I needed to contact that branch manager directly. Kyle provided me their contact info, but he also called the other branch manager directly. By the time I called the other branch manager was already aware of the issue and was taking steps to remedy! Thank you to both Kyle and Anthony.

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