BMO Harris Bank Reviews

Average Rating:
Based on 75 review

BMO Harris $200 Scam

I opened an account with this bank because of the $200 incentive. This has not been paid. I went online and I was initially denied so I decided to visit one of their branches. They helped me to open the account but the manager made a mistake and did not open enter the promotion code correctly. The branch manager admitted that they were the ones that made the mistake but to refused to rectify the issue by honoring their own promotion. They said they needed the promotion code. Well I am considering further legal action to make them honor it. Small claims court etc. Also there is a website called that I might submit a claim to. I almost forgot to mention this. I emailed BMO Harris about the issue and never got a response from them.

Incompetent Staff - Closing Account

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Incompetent staff - never received the checks I ordered in May. When I tried to reorder them in August, the person I talked to FORGOT TO PLACE THE ORDER. Now I have to physically go in and get a Money Order to pay a bill that should've been paid immediately if they had done what they're supposed to do correctly.

Terrible website (have to navigate to a dropdown many to select 'login', and if you hover away, the option goes away), you can see the React tags in the browser tab {{account}} at random times, and overall it's just not a great experience.

1) Crappy website that's got a bad UI
2) Incompetent Staff that can't remember to place a simple check order
3) Not even able to track my first check order

Take your business somewhere else. Closing mmy account today


Posted by: |

I called BMO Harris over 3 weeks ago to get a replacement card, but it still hasn't arrived! By the time I receive it, it'll be almost 1 month just to get a replacement card with the same number I had! I've called them EVERY week since my initial call and they said it was sent out but then rejected! I said there's no reason why it should have been since I've had an account with them for years! They pointed the finger at the company making the card, and they kept telling me it's on it's way. HORRIBLE service!

Counterfeit Currency???

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Terrible experience. I withdrew some cash and they gave me two counterfeit hundreds, which were confiscated by my other bank when I tried to deposit them. BMO refused to make it right, so I am out the $200

Bonus Not Available In All 50 States

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Bonus only available in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri, or Wisconsin. They will let you open an account, but you will not get the bonus. Also, they take a very long time on the phone with you trying to analyze your needs (not to be confused with setting you up to buy further products). Be advised.

Bank Check Deposit

7 Day business day hold for bank check, not a personal check. Add more 2 days for the weekend and you have a 9 day hold. What we have here is a racket.

NEVER Use This Bank

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NEVER use this bank. I honestly thought about it and gave them a 1 star on every aspect. Avoid these scum-puddles at all costs. They charge you fees all the time, they're willing to finance with low credit in the hope that you default and then if you're actually pulling it off (like I was) suddenly their website just magically stops working. They will then send you an email saying it's YOUR fault it's not going through, even if you try using multiple different services to do your loan payment on. I will be refinancing my vehicle as soon as possible, because I cannot trust these people with $20k. I couldn't trust these people to hold an egg without cracking it for god's sake. I'm done with it, and none of you should ever get started with it. Any 5 star review has to either be completely misguided or flagrantly fake. There is no way this disgusting institution has ever gotten someone convinced to give them a 5 star review.

Worst Bank I Have Ever Used

SCAM!!! This is the worst bank I have ever used. They have been withholding my money for about six months now for no reason! I think I am not the first who can`t use own money in this bank. Be careful if you decide to use this bank

Very Disappointed With BMO Harris Investments

I had a 401k with a previous employer that was rolled over to an IRA with BMO Harris after I left. Have been trying to get it routed over to where I have the rest of my investments for a few months and it's been an absolute nightmare. Lack of direction, confusing forms and poor customer service overall. I'm a pretty patient person, but after multiple calls and a lot of time wasted it's been super frustrating. Highly recommend taking your investment funds elsewhere and saving yourself the headache.

Poor Customer Service - Fraud

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I opened checking account on-line. Simple/easy process. I had to have dealings with the branch (Channahon, IL) afterward. Terrible customer service from the bankers. Tellers were friendly and helpful. I had an instance of check fraud on my account. They did not find it, I did. I immediately changed my account log in credentials, and called customer service phone number. They do not have a direct fraud line, like another bank I was with. Customer service could not get in touch with the fraud dept. and advised I go to the branch. The banker at the branch could not get a hold of the fraud dept. either. I had to wait a day. Called branch in morning and was told my account would be frozen - ok good. I never did get to speak with anyone from fraud about what happened or give information on the investigation. They kept the account open for my direct deposit to go in. When I went into the branch to close the account, I was just going to open another. I was told i could not open another account with them and that I was a risk. Hmmm....I was the one who reported the potential fraud (turned out to be fraud), went to the branch to alert them and be guided on what to do, filed a police and FTC report. I was the victim and was treated like I was the criminal.

Worst Customer Service I Have Ever Gotten

After being at this bank for 28 years they kicked me in the teeth. I am 63 years old and this was the worst customer service I have ever suffered. Run away from these idiots as fast as you can!

Horrible And Unfair Policies

My initial dealings with BMO were very positive. However, over the past year, they have introduced onerous, unfair, hurtful policies. For example, I started receiving hundreds of dollars per month in late fees, even though all payments were mailed several days or more before due date. Discussions with their representatives revealed that you must mail your payment 10 days before the due date or else late fees--that they will not remove--are charged. This is other absurd and unfair practices make this a horrible bank to deal with. I would urge anyone to not due any business with this awful bank.

Legalized Embezzlement

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This Bank stole $120 from me of my hard-earned money and that is something I will never ever forget until the day I die.

I've spread the word to scores of people in this country and friends all over the world about this horrible bank. They are a bunch of thieves, that is all I have to say about them.

AVOID This Bank!

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This bank makes it very easy to fund one of their accounts, by ETF, from another bank you're at. Trouble is, they make it next to impossible to do the reverse! You CANNOT do a simple ETF to your original bank once you decide to close a BMO Harris account. You must do a wire transfer at a cost of $35/transfer! Also, if you close the account in ninety days, or less, you pay a $50 early closure fee!

Along with the above, if you open a CD, and then arrange for an ETF from another bank, to fund it, guess what? You will NOT get a full term interest on the CD, as the clock starts ticking once you open the CD, NOT when they put your funds into it, and they take their time doing so!

The phone menu for this place is terrible, too, as you'll push 5-6 keys, after listening to as many menus, before you get a live rep.

In addition, I was contacted by a rep, "from the back office," who NEVER told me that I could put my mature CD into a new savings account, and then wire it to another bank, minus $100 left in the account to avoid the $50 early closing fee, as above. Instead, he told me that the only way to get my money was to have a check sent VIA UPS! I kid you not. Great. I can't trust UPS to deliver a package to me, I sure as heck would never trust them to get a sizable check to me.

This is a terrible bank that had a one-time very good CD rate offer. Other than that, I would have NEVER opened an account here.

AVOID this bank!

Do Not Open An Account Here!!

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BMO Harris wants to steal money from you! They charge you overdraft fees even after you deposit the same day!!!!! I had to go into the location today to be spoken too like I a was a piece of crap! I can not wait to cancel this account in a few weeks. Horrible customer service when you call as well. I had a rep tell me I'm not entitled to speak with a manager and basically BYE. Yes !!!! This is the bank that I pay hundreds in fees... The bank that is suppose to work for me??? DO NOT OPEN AN ACCOUNT HERE!! I will leave reviews everywhere I can to help save someone from going through what I've gone through! Shame on you for taking from people during a pandemic!

Avoid BMO Harris At All Costs!

Let me start by saying this is a ZERO STAR review. I've been a loyal customer of this bank in Prescott, Arizona for many years. I got no notification whatsoever in the mail about my grandfathered checking account and it's minimum balance being raised from $1,000 to $1,500.

As I don't check the account that often as it's a P.O.D account, needless to say for 10 months straight these thieves stole $12 a month of my hard-earned money from me.

Absolute thievery period. At the time of this writing I've already filed a complaint with the Attorney General of Illinois and also the Better Business Bureau of Chicago.

There's been zero response from the BMO Harris headquarters.

I wholeheartedly advise anyone out there to stay away from these thieves. I've shared this story with many people all over this country and this bank has absolutely no ethics whatsoever!

BMO Harris HSA

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I tried to close my HSA account over 5 times. Each time I received different information with the promise that a form to close the account would be sent. Finally, I received call from a BMO Harris representative in Arizona. He told that he is sending a cashier check to me. I'm not holding my breath. My advice don't do business with this bank!


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This bank makes it much harder to close an account than other banks I've used. Do not recommend it.

Rates May Not Be As Shown

Be careful with BMO Harris, They are trying to attract new money from outside their normal market areas. If you are in an area that has local branches, the rate is much lower.

Avoid At All Costs!

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Poor IT, web site impossible, No Live voices , very, very long phone waits, poor, poor management , human resources. not allocating sufficient customer service personnel, wonderful, kind phone people , but once they get your money, there is NO WAY YOU CAN COMMUNICATE WITH ANY LIVE VOICE.

Terrible Experience

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Customer Service in this bank is Terrible. I had to call the Tech support. No help a all.

Problems With APP

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For the last month or so, I have had a really hard time opening the banking app. At first, it wouldn't recognize my password the first time I entered it, but would recognize and let me in on the second attempt. Now, however, it NEVER recognizes my password. I have to turn my phone off, restart and then go into app and enter the password. Then it will work. My phone is fully updated, so I have no idea what the glitch could be. It is a total pain, and I'm just waiting for it to lock me out altogether. Then I won't be able to pay bills.


Posted by: |

I moved out of state and attempted to close my bank as I did not get around to it while I still lived in Arizona. My new state does not have BMO Harris, so I figured I should close it. They would not close it over the phone, instead had to mail me account closure forms. So I received them, mail them in then heard nothing...for weeks. So finally I called them, and they tried to tell me my signatures didn't match the original forms I signed when I first opened the account years ago. When I asked what my signature looked like, they wouldn't give me that information. So they are telling me they won't close my account, and they won't accept the forms that I SIGNED because they do not match a different signature. Then I asked if I can just send the forms back in, after I wait for them to mail them AGAIN, with a notarized signature. They said maybe, however it still might be denied. Absolutely horrible service! LET ME CLOSE MY ACCOUNT! So I take matters into my own hands, and just withdrew all my funds because it is MY MONEY and I have the right to do so. I would never ever ever do business with this awful bank.

PPP Loan Application

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BMO Harris have been beyond useless!! First registered for my interest in a PPP loan on 4 April 2020 Then did not hear anything more for 2 weeks despite numerous emails and phone calls. BMO took so long to get their application together that the first phase of PPP funding was depleted. Now still waiting to hear if we have got funds from the 2nd lot of funding. DREADFUL!!!!!!

Would NOT recommend BMO Harris to anyone!!

Poor Customer Service

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They have a answering service, not customer service. Take a message and we might call you back, or I have no idea what you are talking about but I am here to help you and waste an hour of your time.
Many confusing help desk numbers, all with 20 min wait times or no call backs.
They have very few trained people for solving common issues. Think I got to one after talking to 5. The old guys with the money know the difference in service. Why alienate your best customer.
Closed after opening deposit a week later account cuz they could not do something like add beneficiaries to account easily in a timely manner. Only a fool would put any real money with them with no beneficiaries! Just got tired of this company.

Do Not Recommend

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This bank is terrible!!
First - They block my cards for no reason all the time. When I called them one time they said that they need to verify my identity, and after providing them with all of my information plus ssn and all previous addresses, transactions, date of birth etc, they said they could not verify it was me. The employee was extremely rude. He almost yelled at me and told me basically I'm on my own and to go to a branch. I hand to waste all day on the phone and going to branches to unblock my card.
Second-They do charge you maintenance fees as the other reviewers mention.
Third - Are we in the 21st century? Well, this bank is not. Expect maintenance almost every other day. Online banking impossible. I feel like I do not have access to my own money.
Over the phone customer service is really really bad. Do not expect a polite employee or a good service.
I will be switching.

Unable To Locate Detailed Savings Or Money Mkt Info

One would expect to find up front information with regard to savings account details. The website is very complex and extensive and after multiple clicks, was not able to find any important details on savings or money market accounts. One should always know if the interest rate is compounded daily and paid monthly or something else. Also, details about ACH transfers such as daily amount limits if any.

Worst Bank Ever

Atm took my money and they acting like they cant check the atm to try and get my money bank so pissed off customer service sucks and very care feel attitude towards getting my money in to my account... customer service and bank branch are on two different pages nothing but lies

Worst Bank Ever

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stay away from his bank. they take your money and make it nearly impossible to get it back

Worst Bank

I have had one problem after the other. I am changing banks after 25 years. Recently I tried on line bill pay and the system is horrible and they are behind the times. Next they refused to give me my money when I was out of town and ehen I asked why, she said she couldnt tell me. She said no one can help me and I cannot have my money! We are closing all 4 accounts and she could. care less.Their rates are the worst of all the banks! I am beyond disgusted! Move on. Consumer beware.

Terrible Bank And Customer Service

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I have my account with BMO for 3 years. It is HSA account through my employer otherwise I would never put a penny with those incompetent people. Took them 3 trials and over a month just to be able to get the PIN for my bank card. I have tried to change the address for the past year and of course they still can't do it. The best think is they locked my account and now they "need" the notarized copy of my ID. Dealing with them is completely ridiculous . I guess the new owner of the house is going to enjoy my bank statements. So if you are looking for the bank to put your money in, avoid this one. Not worth the headache at all.


Write a paragraph or two about how customers DON'T get a notice or warning that there will be NO service online at the drop of a dime! Customers need to use online banking on the weekend! We are furiously mad about NO COMMUNICATION from HARRIS BANK!! TREAT customers BETTER than that; how hard is it to post a letter so we the customers can be prepared! But as of now (Saturday 10/19/2019) we are MAD! Get with it Harris Bank!!!

Online Bank With Branch Rules

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I recently opened an account at BMO Harris. They're trying to attract depositors from outside their branch footprint with a premium rate. That's great; I'm hundreds of miles from the nearest branch but like the 2.35% MMA.

They offer a ATM card for the account, which is a nice feature. HOWEVER, the daily withdrawal amount is only ~$500. When I called customer service, they stated this could be increased, if I went into a branch. I explained they're marketing to people who are nowhere near their branches. Alas, those are the rules. It's a hassle but the next time I'm in the area I'll need to remember to stop in.

Not Professional

Every time I go to make a deposit I sit there for a long time before getting help even though nobody else is in any of the drive throughs. They do not add up your checks and/or cash before depositing. Several times there have been errors. When I worked as a teller we were taught to add up all cash and checks TWICE before depositing or giving customer cash back. One time the teller gave me somebody else's deposit slip back. The online banking isn't very user friendly. We will be moving banks soon.

Thieves Unapologetic

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They constantly change the fees and features of accounts . Turns into full-time job to keep up. Stole $14 per month for year out of my account for maintenance. Scum!!!!!


If you will note before you trust any of your money with this institution that their rating , comparing 5 star ratings to 1 star rating is a NEGATIVE 1200%. Do you really want to do business with this bank?

25 1 Star Reviews

It is the decision of each person whether the BMO current account rates are worth the terrible website and customer service. I'll add my own experience to the other 1 star reviews to give further data for that decision.

It takes >30 minutes for Cust. Service to answer phone calls and there is no chat, email support for non-account holders, or a leave your number to receive a call back option.

My initial deposit from a linked external bank was rejected by the BMO website. No one in Cust. Serv. could explain/fix this after 2.5 hours of being bounced around to 4 different reps. One rep. actually transferred me to a recording that stated "Customer Service is now closed, please call back tomorrow". (I called back, waited another 30 minutes, and talked with yet another rep.)

Important account information is very hard to find on the web page, phone Cust. Serv. is time consuming and could not answer basic questions (the max. daily and monthly deposit/withdrawal limits are listed under "Legal" but nowhere in the 2 docs on the account website page.

Avoid For Business Account

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I was hopeful that BMO would provide a good experience. At this point, I would recommend ALL business accounts to AVOID. 1- For bill pays, they will randomly use a third party to pay bills. You therefore will not see the back of the check upon deposit. The date the check is taken out will be when the third party takes the money to pay. You will also not know when the third party has sent the money or to whom. 2- the bill pay sent a check once to another company who cashed it and now I have to declare fraud against that other company. This has happened more than once with this third party service. You will also have to spend HOURS on the phone trying to get to the bottom of these cases. BMO has good interest rates, but this is not worth it. They also don't allow outside business account linking. The manager of my local branch said someone in the business dept would follow up to see what they could do, but that didn't happen. I'm changing banks.


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Tried to open account for the promotion advertised and as previous comments indicate received the same very incompetent service BEYOND the scope of any bank experience, ever! Employees were extremely passive aggressive almost to a pathologically degree. They were snotty, unknowledgeable about their very own promotions, slow as sloths, and the men were decidedly CREEPY. Got so uncomfortable that EVERY SENSORY NERVE said Give It Up! This is a LOUSY Bank! NO ONE with a grain of sanity would bank here! You just know they will sleeze out of any account promotion bonus!!!! WARNING!!!!!

Not My Go To Bank.

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Tried to open cd. Management wouldn't honor only using partial amount of a cashiers check from previous bank.Poor customer service. DO NOT RECCOMMEND.

Don't Expect Them To Honor Any Promotion

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Don't expect a Bonus.

Opened up an account with them about 5 months ago with their "Free $200 bonus". Went INTO the store, to insure that all the terms and conditions for the credit were explained to me. I was told that 2 direct deposits of $500 needed to be made, and that a form needed to be filled out. "So there are no minimum per month charges, anything else I need to do? Wow that's easy". I was told there was not, but you need to wait 4 months to get your credit. I'm like sure, seems like a long time but whatever.

5 months later I call them and I'm like, everything alright? "Sorry you have to make 10 card transactions within 90 days to qualify for this bonus" "I'm sorry what? I specifically asked if this was the case, and was told I had to do absolutely nothing but make those deposits and go into the branch to fill out paperwork"

So just a fair warning, banks that will employee BLATANT bait and switch techniques should not be trusted with your money.

Absolutely The Worst

I deal with numerous banks for my international businesses. BMO Harris has some integration advantages for international accounts, but the good ends right there. BMO Harris is incredibly bad. After 6 months, endless emails, and probably 10 hours on hold, I STILL cannot send a wire to China. All the forms have been filled out and signed. They just cannot accomplish it. They keep telling me to go in to the branch, but as I am a BMO Harris customer in Canada there is no branch. Twice I eventually talked to a very helpful person, who promised they'd take personal responsibility for the problem, and that they or someone else would get back to me shortly. No one ever got back to me. Second, hold times are the absolute worst, completely unacceptable. And every single time calling in is a nightmare. Typically - the person says they cannot help, and the next person cannot help, then the third person says I've been put through to the wrong department, then they transfer me back to the first place....and on it goes.

Online Banking Is Down Again

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Losing faith with the online banking feature. It's down for maintenance again tonight. I've never had a problem with Ally.

Heartaches And Pain

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My title describes it all worst bank ever do yourself a favor do not bank with BMO you will definitely lose money and time which both work hand-in-hand

Just Don't Do It!

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I thought opening an account with BMO would be nice to eventually move all of my savings and other investment accounts potentially.
Whoa, am I glad I started slowly. I thought it would be good idea since they are close to my home and work. Never again will I base my decision on convenience. Took them three tries to finally get my signature card on file. Eventually things were fine, five bucks a month for a simple account. The only debits that I had out this account were my US Education Loan payment and the service fees. I had full trust in the fact that my balance would be perfectly fine with all debits and credits coming thru to the account. I didnt even know they were charging a fee for a paper statement! Who in the hell receives a paper statement anymore? I don't remember asking for a paper statement, why should I have to go and turn it off. You would think this BIG BANK would be trying to save funds on paper as well. When I called about it, the guy had no response other than "well it looks like another debit put you below the available amount needed to approve your transaction." And then proceeded to try and walk me thru turning off the paper statements since appearantly this BIG BANK doesn't have the capability to do it thru their own system! Do yourself a favor stick with what you already have no need and dealing with these unfortunate idiots.


Posted by: |

BMO Harris is an awful bank to store your money if you need access to it. Froze my new account twice in one week. Today is Saturday and no one could help me until Monday. Well, what should I do until then? Oh by the way because I work Monday through Friday from 9-5, I won't be able to visit a branch until next Saturday. Thanks BMO. #donotbankwithbmo #davidcasper

Incompetent Personal Bankers

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Awful. Incompetent personal bankers make every transaction an ordeal. Bank elsewhere.

It's A Good Bank

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The worst experience I'm having with this bank! The bankers are frustrating, you say something they don't like, they get in there feelings and delay your requests just to inconvenience you more. Whenever you need something, you need to mail or fax in a request to get it, then you have to wait for approval, and if they feel like being nice, will send or transfer your request either later in the evening or early the next day. They're racist as well because whenever I have my husband (white man) going in to do business with them, they treat him very well, greeting him with a smile and helping him right away, before you know, he's already out the door feeling like the king he thinks he is. But when I walk in (Hispanic woman) I'm waiting for several minutes, I say the longest I've waited to be helped was half an hour when I obviously see employees standing to the side drinking their coffee, taking calls and talking to each other, I don't get greeted with a warm welcome, not even a smile, and all of a sudden, there's a problem with my request. An hour later they figure out the situation and send me on my way. My husbands brother goes in and is treated the same as my husband. My sister goes in for me and she's treated as poorly as I am. What is going on? My daughter was rushed to the hospital because she was having a seizure. The bill came in, of course medical insurance paid for half but it was hard to get the other half paid off because BMO was the only bank we transferred all our funds in, first they needed proof of her hospital bill and I just refused due to frustration while I would just ask my dad for help. But of course, as soon as my husband spoke to them, he got the funds right away. A friend of mine is mad at me because I told her about this bank in the first place. So she along with her father joined this bank as well, just to be going through what I was going through. We all found a credit union that we're all very satisfied with. Good bank for security purposes and financial advisory though

Worst Communication By Bankers

One of the worst communication observed and service provided...Please do not opt it...

Look Before You Fall For It

This 4% yeild is a callable cd. I suggest you look and think about it. BMO in my opinion likes these sort of "details in small pricnt advertisements. I have found the bank to be very deceptive in telling you the whole truth about a lot of their offerings. In my opinion there are many other banks which state it as it is and when you call them aplogize if they did not call out all small print in their announcements. I did not like this bank and will never work with them again

Opening An Online A/C Or CD

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Here are the hassles:
- Does not offer provision for adding a beneficiary, so a/c is opened but one has to chase dept after dept to get the beneficiary form filled out, very painful run around.
- On termination of CD, one has to send a letter signed and a week later a cheque will be mailed, no wire convenience offered, so basically you stand to lose atleast one weeks of interest or perhaps more !
Just a bad deal across the board. Seniors beware !

Terrible Bank

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Went to open an IRA and this bank cannot open the account unless you have money in your hand. They do not offer an opportunity to transfer funds from another financial institution. How can they run a bank?

Good bank

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Bmo Harris is an amazing bank. They have overdraft protections, low banking fees, amazing customer service. I have overdrew my account a couple of times and I called them and they were able to remove all of the fees from overdrawing my account and I just owed how much I overdrew. They really care about you and will do whatever they can to help you.

Nothing Compelling

Opened a checking account for the $200 bonus they were offering. Had no issues with that, customer service is OK. Online banking looks about 10 years out of date, and the lack of ACH ability is a definite downside. Really, I couldn't find any reason to continue using them as a bank. Their deposit products, rates, and credit products are all sub-par compared to other banks and credit unions.

Untrustworthy, Corrupt Or Incompetent Bank

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Whether this bank is intentionally deceitful, or just completely incompetent, you should NOT bank with BMO Harris.

I opened a checking account and a savings account for a $500 bonus ($300 for the checking, and the remaining $200 for the bonus). I have done this with several banks, and BMO Harris is the only bank I have ever had a problem with every customer service representative giving different information, and consistently being wrong.

When opening an account with a promotional code, there is no confirmation like every other bank seems to have. I even asked my banker for this page, and was informed that they don't do that, but have to take the physical code and hand it in.

I called the day I opened the account, and was informed that due to the process of submitting promo codes, they couldn't confirm whether it was applied, and that I would need to call back in a few days. I called back a week and a half alter and confirmed the promo code was indeed applied. Hallelujah.

The bonus was based on 90 days activity, and was supposed to be credited approximately 120 days after account opening.

A few days after the 120 days passed, I called in to check the status. Different reps gave me different answers:

* The bonuses will take 1-2 weeks after the 120 days for it to post
* The bonuses are based on statement closing, and I would have to wait for the checking and savings statement dates for them to appear
* The bonuses require manual review and escalation

After 8+ phonecalls (including several calls where they asked me what the promo code was again and what the terms were), I have the checking bonus finally deposited, but still missing the other portion of the bonus. Now they are stating to wait another 10 days.

I have family that have BMO Harris as well, and apparently they have issues mailing tax forms to the correct recipient, and include full account numbers of the documents they sent to the wrong customers.

Needless to say, I would NEVER trust my money with this bank. Whether this is intentionally deceiving and stealing from their customers, or just horrible management and systems for doing business, I predict a few Wells Fargo implosion for this bank in the future.

Worst Bank I've Ever Had

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Terrible customer service and endless fees. I used BMO in Canada and it is nothing like BMO Harris. You're honestly better off with any other bank.

Easy to navigate online site and mobile app

Using Harris' website is very user friendly (although on the home page, sometimes when you're trying to click on the login box it disappears - I found that if your mouse hovers over the navigation bar it will disappear, so best to go around the edge of the page). I can easily check balance on each of my account, transfer money between accounts and bill pay with just a few clicks. The mobile app is even better - it was recently upgraded - and there are buttons for deposit (I love not having to go to the bank to deposit a check), bill pay, transfer money and people pay. I have had a few issues with minimums on the accounts changing and getting a fee when a balance dropped below a certain amount (for a checking account), but when I went in and explained I didn't realized the minimum had changed, they waived the fee. It seems like the longer you have an account, the more likely the rules regarding the account will change, so it's important to check statements or ask periodically. The experience I had with opening a CD was seamless and simple. Whenever I have to go to a branch, I find the employees to be very courteous and helpful, and there are usually no lines.

Serves No Purpose

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Not really sure what the point of this bank is. Retail & small business customers get the incompetent customer service of a large bank with electronic banking capabilities that are 7-8 years behind big bank industry standard. Hate to say it but Chase is better in every way.

Opened A CD Account

I recently opened a CD account with BMO Harris Bank. They do not have an online application, so I had to do it all verbally on the phone with one of their reps, which was inconvenient, and I had no way to verify if the information was being entered correctly. I had to wait until I received their documentation in snail mail with the account number, etc. before I could mail them back a check to fund the CD--no ACH funding. They said they would lock the interest rate on the CD until they received the check, but I had nothing in writing stating so. The rep I dealt with was very polite and respectful, but clearly needed more training about opening CD accounts. It all worked out in the end, but not the easiest way to take out a CD, either. They need to catch up with the other internet banks and offer online applications and ACH funding of the account.

Solid Canadian Bank In US

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Overall, BMO Harris is a good bank, with a strong and stable parent company, BMO. However, I feel their products are less competitive then their American counterparts. Many of their products seem more..."international" where everything has a charge or fee. Perhaps we are too use to getting everything for free?

Keep An Eye On Your Accounts...

I was a longtime customer of M&I before Harris BMO takeover. Since BMO, they take "service fees" out of my checking account every month. Each time they admit it is an error but they keep on doing it. If I didn't frequently check on my account, Harris BMO would get away with ripping me off each month. I am looking for another bank which is too bad because I am known to the staff at my local branch and really like them.

Long Time BMO Harris Customer Review

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I am a long time customer of BMO Harris, and have found their banking "experience" to be very good overall. First of all, I find their customer service to be exceptional. Every time I have had an issue with a transaction, or needed to talk to a personal banker, I was taken care of immediately and even had multiple follow-up phone calls to make sure I was satisfied with their service. There's also no checking account fees which is nice. Their banking app is also very useful for depositing checks via photo. The only issue I have with this bank is locations. They don't have an abundant amount of locations, and I travel often, so it's slightly inconvenient if I need to stop in at a bank while traveling. other than that, they are a great bank to bank with.

Would Give 0 Stars If It Were Possible.

Have been trying, without success, to set up online access for a school's account for the School Board Treasurer and 3 employees. The banker at the branch suggested the Treasurer just share his login and password with the rest of us (yipes, there goes his fiduciary responsibility).
We've already opened an account with another bank and will close this account as soon as the last check clears-I just hope we have online access by then so we can figure out when that is.

Worst Bank Ever!!!!

BMO Harris acquired the bank I had all my accounts with for 30 plus years-M&I Bank. I was all in with M&I and had all my checking, savings, mortgage, line of credit, credit card, online banking, bill pay and brokerage accounts with them. Of course, all of this stuff moved to BMO Harris when they acquired M&I.
The first thing BMO Harris did was kick me out of Private Banking. Some idiot VP just sent me a letter and said I needed to work with branch personnel moving forward. Next, they called me and said they wanted to close my line of credit account because I was not using it enough.
The online services (online banking, bill pay) were terrible compared to the services I had previously.
At this point, I have closed all my accounts with these clowns and have moved everything to Wells Fargo. I found it absolutely astounding that as I moved all my money and closed all the accounts, no one from BMO Harris ever called me to see if there was a problem.
The morons from BMO (Bank of Montreal) are used to having a monopoly like they do up in Canada. And they don't have a flipping clue what customer friendly means. I find it ironic that the Bank's byline is "We're here to help". What a crock!!!

BMO Banking By Morons

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I have been with this bank for over 16 years now with my current account. Since BMO has taken over M&I the service has plummeted, while the charges and incompetency have increased. Their onine account information is inaccurate by their own supervisor's admission, so why then do they promote it. Everything is done "automatically by computer," but who programs and inputs information into those computers? There are constantly charges appearing on my account, and transactions after normal business hours, who ever heard of transactions occurring around midnight, while my deposits and transactions always seem to be delayed. Moreover, their check system is archaic, and most of the time now my parents can't even use checks at many businesses like Walmart and Petsmart, and neither bank nor business seems to know why. "Well, there might be problems integrating into the U.S. Banking system;-(" There is constant turnover of employees, and the ones that are there are too busy socializing to help the customers, or are downright rude. The Bank may be run by morons, but I won't be one that continues to use them.

BMO Harris Review

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I have been banking with BMO Harris (previously M&I) for about ten years now, and I don't have a whole lot of negative things to say. Every time I walk into the bank I always feel welcomed and wanted. The tellers are extraordinary at their jobs, and make me feel appreciated as a customer. I also really like the mobile app that BMO has, as it is extremely user friendly. My favorite part of the app and bank is that I can do a mobile deposit on my checks that I receive, and they have an extremely fast approval time so that I don't even have to go to the bank if I don't have time.

Screwed Again By BMO HARRIS BANK

I banked with M&I BANK for 20+ years and never had a problem. Then they were acquired by BMO HARRIS and it all went down hill.

In the past I spent four hours on the phone with BMO HARRIS due to a compromised account at their bank. Their security department told me what to do and what I needed the local branch to do. I went to the branch and they refused to take the action I was told to have them take. Whet back the next day and complained to the manager who stated they have had other complaints about the person who was taking care of me. So, why is he still there? That next day they took the actions that they were instructed to by their own security department and told me if there was any thing else to come directly to the branch manager. Accounts were closed because of the fact they had been compromised. Other accounts were left open.

One of the accounts left open was a home equality line of credit which had a balance. A few months ago I paid off that balance. Last month I created a new balance because I needed some quick cash. All payments have always been on time and the high four figure balance was paid in full as I said. Today I receive a letter in the mail stating they will be closing this account and that it needs to be paid in full by September 2014. They are willing to reopen a new account at a much higher interest rate if that helps me out.

I have had nothing but a string of bad experiences since M & I Bank was acquired by BMO Harris. I'm done with them. Going back to the local credit unions who want and appreciate your business. Hoping they go back to Canada!

Service Levels Falling

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My family has many accounts with Harris (over 9) We use to have our mortgage through them as well. For 2 years we have been trying to refinance. we have a upper 700 credit rating. But 2 years they strong us along. a friend referred me to a broker who was able to get it done within 45 days with an amazing rate.

We also experience issue with customer service. You can never reach anyone on the phone to get assistance. Even for something sinple. You go into the branch and they cant even get ahold of their support.... seriously dont waste your time.....



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Do not be fooled by BMO Harris advertising.  You can't trust what they tell you.  I had a line of credit set up with them for years for 150 k.  Their account rep assured that it would be renewed without any problems.  After several attemps to get it renewed they turned around, with no explaination and shut my company off.  They demanded payment right away and then proceeded to clear out my company and personal assets with no explaination.  They eventually forced my company out of business and me into personal bankruptcy.

If you are looking for an impersonal bank who doesn't care about it's customers, then BMO Harris is the bank for you.  On the other hand if you are looking for a bank that will lend you a hand, go any where else but BMO Harris.


Terrible Service

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I have now had several opportunities to interact with Harris or BMO Harris and bottom line is they are about as personal as a firing squad. I will NEVER bank with this organization. They made me wire, for a fee, funds to close on a house and would not take a cashiers check. When my mother died she had a line of credit out. The day she passed they closed the line and immediately charged fees and interest with no opportunity to pay it off. The would not even tell you the amount until you jumped through hoops. Please, Please, for your own benefit, bank anywhere but here.

Great Customer Service For 3 Years

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Never have had an issue with opening/closing accounts

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