Thematic videoBMO Harris Bank
BMO Harris Bank
BMO Harris Bank has a longstanding history of providing quality financial products for both individual and business banking customers throughout the Midwest. The bank currently offers access to more than 600 branch locations and 1,300 ATMs throughout Illinois, Indiana, Wisconsin, Kansas, Missouri, Minnesota, Arizona and Florida.
You can contact BMO Harris Bank by visiting any full-service branch location in your local area, by calling a customer service representative at 1-888-340-2265 or through the Bank’s website online.
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Founded over 130 years ago, BMO Best thai food in lubbock Bank maintains over 500 brick-and-mortar locations across eight states. It features a host of online and mobile banking tools to fit a variety of banking jose miguel carrera 298 santiago centro addition to traditional checking and savings accounts, BMO Harris offers personal loans, mortgages, retirement and investment accounts, wealth management services and business and commercial banking.
This review is focused on the personal banking options available at BMO Harris Bank. Here’s a closer look at what BMO Harris has to offer consumers and where they stand compared to other banking institutions.
BMO Harris has three checking bmo harris bank auto loan contact number for its customers.
Smart Advantage checking. BMO Harris’s most popular checking account, Smart Advantage, requires no monthly maintenance fees and a $25 minimum opening deposit. Paper statement fees are $2 each month, but you can opt for paperless statements and waive the fee. The account comes with a BMO Harris Bank Debit Mastercard.
Smart Money checking. This checking account comes with a $5 monthly fee, but that fee is waived for customers under age 25. There is a $25 minimum opening deposit requirement. Because customers can only spend available funds in the account, there are no overdraft or non-sufficient fund fees. Smart Money accounts, like Smart Advantage accounts, give you the option to opt out of paper statements and waive the $2 fee. A BMO Harris Bank Debit Mastercard comes with the account.
Premier checking. As BMO Harris’ only interest-bearing checking account, Premier accounts require an initial $25 deposit and have a $25 monthly fee. The monthly fee can be waived by meeting any of these requirements:
- $10,000 minimum daily balance
- $25,000 in combined BMO Harris accounts
- A BMO Harris investment account
All account balances earn interest, but you’ll need to have at least $25,000 in your account to earn their top interest rate, currently 0.10% APY.
Premier checking accounts come with a BMO Harris Bank World Debit Mastercard. The account offers up to a $25 rebate monthly on out-of-network ATM fees.
The lone savings account option at BMO Harris is Statement Savings. Opening a savings account requires a $25 minimum opening deposit. Unfortunately, the interest rate, at 0.05%, is slightly below the national savings account average rate, much less than you’ll find at online banks.
Statement Savings accounts do have a $5 monthly maintenance fee, which is waivable for account owners under age 25 or keeping a $100 minimum daily ledger balance for the month.
One way to earn a competitive interest rate through BMO Harris is its Platinum Money Market account. You’ll need a $5,000 minimum opening deposit to open a money market account, but it has no ongoing balance requirements. Platinum accounts have no monthly maintenance fees, either. These accounts also come with check-writing privileges. Money market accounts, in general, can be a good spot to keep an emergency fund.
Here’s a look at current rates for Platinum Money Market accounts. (See below for exceptions that apply to residents of Arizona, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin.)
BMO Harris offers Standard CDs and Add-On CDs. Interest earned is handled the same way with both account types. For CDs under 12 months, interest is compounded daily and is credited at maturity. For CDs of 12 months or greater, interest is compounded daily and is credited to the CD quarterly.
Standard CDs. BMO Harris Standard CDs feature terms from three to 60 months. There’s an option for one-month and two-month CDs for balances of at least $100,000. Its CDs have tiered fixed rates based on term length and account balance, with a minimum $1,000 balance requirement. BMO Harris occasionally offers special CD rates for specific term lengths.
Add-On CDs. BMO Harris Add-On CDs allow customers to add more funds after opening a CD account. There’s only the option for a one-year CD term, which currently earns 0.30% APY. Add-On CDs only require a $1,000 minimum deposit.
With both CD options, there’s an early withdrawal fee of up to 545 days’ interest if you withdraw your CD balance before it reaches maturity.
Note: The above rates for Platinum Money Market accounts and Standard CDs only apply to accounts opened online and exclude residents in seven of the states with BMO Harris branches (Arizona, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin). Below are rates for both account types for residents in those seven states.
Relationship benefits are a way for banks to offer loyalty perks for having multiple accounts. BMO Harris Premier Checking accounts come with the additional benefit of mortgage and home equity line of credit (HELOC) discounts.
Access on the Go
BMO Harris Bank offers consumers both in-person and digital banking solutions. There are over 500 local BMO Harris bank branches spread throughout the following states:
BMO Harris customers have access to over 40,000 fee-free ATMs, including BMO Harris ATMs and the Allpoint ATM Network.
For fans of banking on the go, BMO Harris digital banking provides customers with online and mobile account access almost anywhere in the world. Its mobile app is available for both iOS (rated 4.7 out of 5 at the App Store) and Android (rated 4.2 out of 5 on Google Play) and features helpful tools like:
- Mobile check deposits
- Mobile cash withdrawal at most BMO Harris ATMs
- Total Look account management
- Apple Pay and Zelle integration
- Bill pay
If online and mobile access isn’t your thing, there’s also a bank by phone option available to BMO Harris customers, which allows you to use your phone for a variety of banking tasks.
- Competitive rate on its money market account
- Multiple checking account options
- Large fee-free ATM network
- Decent rates on CDs for a brick-and-mortar bank
- No monthly fees or fees are waivable in most cases
- Low savings rate
- Local branches limited to eight states
How BMO Harris Bank Stacks Up
BMO Harris is a solid option if you’re looking for a bmo harris bank auto loan contact number bank, especially credit one mail offer you happen to live in a state with local branches. BMO Harris is more competitive with its rates and offerings than several other big traditional banks. It also features online and digital tools that rival what’s offered by the top online banks. For example, its Mobile Cash feature allows you to withdraw money from BMO Harris ATMs without using a debit card.
But this national bank has some pitfalls when compared to many online institutions. While it provides more accounts and services than most online banks, only its money market account offers a competitive rate. If capitalizing on the best savings account rates is important to you, make sure to compare rates outside of BMO Harris Bank.
Overall, BMO Harris offers enough benefits, accounts and services to make it an attractive banking option for most consumers. It’s an especially good bank if you plan to take advantage of services beyond just bank accounts.
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BMO Harris Bank Review
Who Is BMO Harris Best For?
BMO Harris may be a good option for anybody wanting to work with a large bank while keeping costs low. It may be especially appealing to those who:
- Need checking at a brick-and-mortar bank and without a maintenance fee
- Have at least $10,000 to waive the money market fee
- Use ATMs frequently and enjoy access to a nationwide network
- Want a credit card with cash-back rewards or other perks
What Does BMO Harris Offer?
Given the size of the bank, it’s no surprise that BMO Harris offers a broad array of financial products and services.
The Statement Savings account is a place to keep cash secure and earn a small amount of interest.
- $25 minimum to open
- Pays 0.03% APY
- $5 monthly fee, waived with a balance of $100 or more
- No monthly fee for those under age 25
This account makes a brick-and-mortar savings account relatively accessible. With a low minimum initial deposit and a fee waiver at $100, it’s competitive with other banks. For example, Chase Bank requires at least $300 in your account (among other fee waiver options) to avoid monthly fees.
Premier Money Market
The Premier Money Market account is competitive with online banks.
- Minimum $25 to open
- Pays up to 0.12% APY
- $10 monthly fee, but waived if you have $10,000
- No minimum balance requirement, although your rate drops to 0.05% when you fall below $25,000
- Debit card may be available
- Online bill pay
- Checkwriting available
Money market accounts pay interest on your cash. Accounts like this make it easy to use your funds with a debit card or check. But certain types of withdrawals, including payments, are limited to six per month due to federal regulations. At BMO Harris, you pay a $15 fee for each transaction over that limit.
|Account Name||Monthly Fee||Opening Deposit||Minimum Balance||Fee Waiver||APY|
|Smart Money Account||$5||$25||None||Under 25 years old||None|
|Smart Advantage Checking Account||$0||$25||None||N/A||None|
|Premier Account||$25||$25||None||$10,000 minimum daily balance or $25,000 combined balances||0.01%-0.03%|
Smart Money Account
The Smart Money checking account is a checking account that does not let you overdraw your account.
- No overdraft or insufficient funds fees
- Debit card for spending
- Checkwriting available
- Online bill pay
- $2 paper statement fee, waived with online statements
This account might work well for those who are just beginning to manage their own finances. For example, students and young adults can write checks or use a debit card, and the bank will reject transactions that won’t clear at no charge. But once you’re 25 or older (or if you never overdraw your account), the Smart Advantage account might be a better option.
BMO Harris has fee-free access to over 40,000 ATMs nationwide. Many of those are on the Allpoint network, located in various retail locations. For out-of-network ATM transactions in the U.S., you pay $3 to BMO, plus any fees that the ATM owner charges.
Smart Advantage Checking Account
The Smart Advantage Account, a basic checking account, is the bank’s most popular account. There’s no monthly fee if you use paperless statements, making it easy to qualify for free checking at a brick-and-mortar bank.
- Debit card for spending
- Online bill pay
- Paper statements for $2 per month
- Optional overdraft protection, with costs at $36 per item and $7 for consecutive days of overdrafting
If you need a brick-and-mortar checking account and BMO Harris branches are convenient for you, this account could be an attractive option. You get access to instant in-branch services like cashier’s check purchases or cash deposits and withdrawals.
Premier Checking Account
The Premier Checking account is designed for customers who keep substantial assets with BMO Harris. In return, you receive interest earnings as well as extra perks like rebates for using non-BMO Harris ATMs.
- Debit card and checks for spending
- Online bill pay
- No charge from BMO Harris to use other banks’ ATMs (ATM owners may charge fees)
- ATM fee rebates, up to $25 per month
- Free paper statements with check images
- Free standard checks
- Optional overdraft protection available
|Premier Checking Rates (as of July 27, 2021)|
|$0.01 to $4,999.99||0.01%|
|$5,000.00 and above||0.03%|
If you’re a fan of interest-earning checking and ATM fee rebates, take a look at Ally Bank’s Interest Checking account. Ally offers up to $10 per month in reimbursements for ATM fees and has an APY much higher than BMO Harris, 0.1% on accounts less than $15,000 and 0.25% on accounts of $15,000 or more. The only catch is that Ally is an online-only bank, so there are no branches.
Certificates of Deposit
BMO Harris offers certificates of deposit (CDs) with terms ranging from three months to five years:
CDs require at least $1,000 to open. Under $100,000 your shortest term is 3 months. With $100,000 or more you have access to 1 and 2 month terms. Rates and CD options may vary by your location. The following rates are current as of July 27, 2021:
|BMO Harris Standard CDs|
|Term||APY on $1,000-$99,999.99||APY on $100,000 or more|
BMO Harris offers "Special CDs" these are promotional CDs that have better rates or the same rates at shorter terms than the ones online. You can check with your branch or contact them to learn more.
BMO Harris has a CD product called the Add-On CD that allows you to add money to the principal up to $100,000 during the life of the CD.
You'll pay an early withdrawal fee if you withdraw cash from a CD before it's maturation date. BMO Harris bases these penalty fees on the length of your CD:
- One month: All interest earned
- Two months to 11 months: 90 days of interest
- 12 to 23 months: 180 days of interest
- 24 to 35 months: 270 days of interest
- 36 to 47 months: 365 days of interest
- 48 months or longer: 545 days of interest
BMO Harris has respectable rates for a brick-and-mortar bank. If you decide to open a checking account here, it could make sense to use the CDs and enjoy one-stop-shopping, assuming you have a relatively small balance and don’t benefit much from a higher rate. But if you really need to maximize your earnings, check out our list of the best CD rates available (updated weekly).
BMO Harris offers four different Mastercard credit cards. They offer a variety of rewards, cardholder benefits, and promotional offers.
- BMO Harris Bank Premium Rewards Mastercard
- BMO Harris Bank Cash Back Mastercard
- BMO Harris Bank Platinum Rewards Mastercard
- BMO Harris Bank Platinum Mastercard
Other Financial Products From BMO Harris
BMO Harris also has a wide range of other offerings:
- Home purchase mortgages
- Home equity loans and lines of credit
- Mortgage refinancing
- Personal loans
- Auto loans
- Secured loans
- Investment management
- Financial advisors
- Business banking
- Business loans and lines of credit
- Business credit cards
BMO Harris Customer Service
BMO Harris scored just above average in the 2020 J.D. Power U.S. Retail Banking Satisfaction Study (Midwest region). In addition to using peets coffee jobs near me locations, you can get help through the automated online support tool or request a call from customer service.
Customer service by phone is available 24/7.
How to Bank With BMO Harris
To get started, visit BMOHarris.com or call 888-340-2265. As with any financial institution, you need to provide personal what is the phone number for xfinity when opening a bank account.
BMO Harris provides brick-and-mortar banking without all of the typical drawbacks. It should be relatively easy for most people to qualify for free checking, and the national ATM network doesn’t hold you back when you travel. Plus, CD rates are respectable, given the fact that this isn’t an online bank. If you have BMO Harris branches in your area, it may be an excellent choice for your local checking account.
As with most banks with branches, the deposit rates at BMO Harris look paltry when compared with online banks. The CDs are decent, but the savings account—where you might keep emergency cash—pays a very low rate compared to banks with bmo harris bank auto loan contact number highest savings APY. If you have a substantial amount in cash, it’s worth exploring alternatives, even if you decide to keep a local checking account at BMO Harris. Our list of the best savings accounts may provide some ideas that meet your needs.
Contact BMO Harris Bank Customer Service
BMO Harris Bank Phone Numbers and Emails
- (888) 340-2265
- (847) 238-2265
- (888) 360-6394
- (888) 482-3781
- (800) 546-6101
- (866) 618-8686
- (262) 938-8169
- (877) 696-7379
- (855) 825-9237
- (855) 825-9238
- (855) 825-9231
- (800) 234-6377
- (800) 650-0843
- (855) 825-9239
- (262) 780-8658
- (877) 225-3863
- (866) 966-1130
- (888) 394-9178
- (702) 486-3132
- (877) 692-3611
- (888) 654-0063
BMO Harris Bank Email:
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BMO Harris Bank Contact Information
BMO Harris Bank Online Chat:
Corporate Office Address:
BMO Financial Corp.
111 W. Monroe St.
Chicago, Illinois 60603
Other Info (opening hours):
Mon - Fri 7 a.m. - 10 p.m. (CT); Sat - Sun 8 a.m. - 5 p.m. (CT)
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BMO Harris Bank Rating Based on 187 Reviews
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Summary of BMO Harris Bank Customer Service Calls
14:31 AVG CALL
Top Reasons of Customers Calls
Consumers Call the Most From
Why Do People Call BMO Harris Bank Customer Service?
- “My personal account”
- “Help with accountd”
Payments and Charges Question:
- “Lost Debit card”
- “Do not want my car payment electronically tooking out anymore”
Product/ Service Question:
- “I need aloan” bmo harris bank auto loan contact number
- “Auto loan payment”
- “Loan payoff”
- “Declined card”
- “How mush funds i have on my 360 card”
- bangor savings bank app “Creditcardinfo”
Request for Information Question:
- “Talk about my acct”
- “Question about zelle”
- “Change my checking acct. For autopay”
- “Refund of Credit Charges”
- “Fraudulent activity”
- “Internet access denied” bmo harris bank auto loan contact number
- “Online banking”
At BMO Harris Bank, BMO Harris Bank recognize the importance of protecting the privacy of BMO Harris Bank's' customers. BMO Harris Bank maintain physical, electronic and procedural safeguards to guard non-public personal information about The User The Client can visit Company's site without providing www.bmoharris.com with any personal information about The Client of BMO Harris Bank to find out about BMO Harris Bank's' company history, Company's products and services, and BMO Harris Bank's' career opportunities. Banking products and services are subject to bank and credit approval and are provided by BMO Harris Bank N.A. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When The User of Website open an account, Website will ask for The User's name, address, date of birth and other information that will allow BMO Bmo harris bank auto loan contact number Bank to identify The Client of BMO Harris Bank
To read more: https://www.bmoharris.com/us/about/privacy
To read more: https://www.bmoharris.com/assets/pdfs/disputefaq.pdf
Online Banking, Customer Care, Auto Loan
Checking Account, Account, Deposit
Pros: No pro, Local manager, When they were m and i, Lying to customers, Atm network
Cons: Customer service, Unprofessional behavior, Telephone assisstance, Stole my money, Online banking app santander bank uk business login
Bank of Montreal, BMO Capital Markets
BMO Harris Bank is an American bank which is based in Chicago, Illinois. The bank is headquartered in the complex of three buildings in the neighborhood called Loop. Currently it belongs to BMO Financial Corporation. The bank was created in 1882 as N.W. Harris & Co which was started by Norman Wait Harris. In 1847 BMO Harris Bank was functioning as Samuel Marshall & Co. BMO Harris Bank offers different kinds of financial services in such states as Arizona, Indiana, Illinois, Florida, Missouri, Minnesota, Nevada, Kansas, and Wisconsin. In general the bank has over 600 branches. It serves personal and corporate clients providing personal, wealth management, small business, and comercial services. BMO Harris Bank employs more than 14,000 people.
BMO Harris Bank is ranked 177 out of 778 in Banks category
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