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BMO Harris Review
Full range of online banking tools
Reviews 29
BMO Harris
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BMO Harris
BMO Harris
Reviews 29
Christian Rigg
Nov. 15, 2022
2 min read
BMO Harris 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).
  • 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
  • High overdraft fees
  • Standard savings account APY a bit low at 0.05% APY
  • Low-balance MMA interest rates below national average

BMO Harris at a glance

Editorial score


No monthly fees, overdraft fees


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

Customer service

Early morning, evening and weekend phone service

Online experience

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

Mobile experience

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

BMO Harris BMO Harris 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. 



Monthly Fee
Checking Accounts0% - 0.10% $0 - $25

Statement Savings Account

0.05%$0 - $5)
Platinum Money Market0.05% - 0.35%$0
Certificates of Deposit0.05% - 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.


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 Harris BMO Harris Visit BMO Harris


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.‎
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BMO Harris
Reviews 29
a month 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
a month 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!
a month 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
a month 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
a month 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
2 months ago
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
2 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.
2 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.
2 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.
3 months 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.
5 months 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
5 months 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
5 months ago
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
6 months 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
6 months 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
7 months 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
8 months 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
9 months 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
10 months 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
a year 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.
a year 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
a year 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
a year 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.
a year ago
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!!
a year 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 ((((
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
2 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.