BMO Harris Bank

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BMO Harris Bank's history debuted back in 1847, when it was founded as Samuel Marshall & Co., Exchange Brokers. Acquired by the Canadian Bank of Montreal in 1982, BMO Harris Bank operates today as its subsidiary, and is headquartered in Chicago, IL. It has 3 operating groups, namely Personal and Commercial Banking, BMO Wealth Management, and BMO Capital Markets.

BMO Harris Bank is North America's 8th largest bank by assets, serving over 12 million customers globally, out of which more than 2 million personal, small business and commercial customers are from the United States.

The bank has over 500 branches in Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida, and Wisconsin, with additional affiliated locations across California, Colorado, Georgia, Massachusetts, New York, Oregon, Texas, Utah, Virginia, Washington, and Washington D.C.

While BMO Harris owns more than 1,400 ATMs, it also partners with Allpoint®, thus providing free access to 40,000+ Allpoint® ATMs nationwide.

BMO Harris Bank's personal banking products and services include checking accounts, savings accounts, money market accounts, CDs, IRAs, credit cards, mortgages, home loans, personal loans, auto loans, lines of credit, investment management services, and premier services.

When it comes to the bank's checking account offers, there are 3 of them:

  • Smart Money Checking Account,
  • Smart Advantage Checking Account,
  • Premier Checking Account.

BMO Harris Bank's checking accounts come with dedicated customer service, BMO Digital Banking, Bill Pay, Mobile Cash, Zelle®, as well as with many other features that vary from one account to another.

Bank Monthly Service Charge Minimum Deposit to Open APY
BMO Harris Bank Smart Money™ Checking Account $5* $25 0.00%
BMO Harris Bank Smart Advantage™ Checking Account $0 $25 0.00%
BMO Harris Premier™ Checking Account $25 (can be waived) $25 0.01% / 0.05%