Longer check holds is happening elsewhere too. Another poster mentioned similar issues with a different bank recently. Open a line of credit to smooth out cashflow. Presumably, you require a deposit(s) for larger jobs. If so, maybe increase the deposit amount / percentage to account for increased costs and risk exposure. Setting aside the check holds issue, best to have multiple bank accounts for redundancy. Open another business account elsewhere. Also, while on that, if your personal account is also with BMO, open a second personal account elsewhere too. Answer from ronreadingpa on reddit.com
ConsumerAffairs
consumeraffairs.com › home › finance › banking › best banks
BMO Bank (Formerly Named BMO Harris Bank) Reviews: Written By Customers
Worst communication with the bank. I had a credit card which was replaced due to fraud. Got new card but cannot use until they verify personally. Since no branch in NJ they told me to send your credential notarized and call within 24 hours. Since I have been calling but never get right agent after holding the phone long time. Some time get international agent who has no clue. ... Reviewed Nov. 17, 2025 · My experience with BMO has been mixed, and my low rating reflects two specific problem areas: commercial lending and online banking.
Address US
Trustpilot
trustpilot.com › home › money & insurance › banking & money › bank › bmo harris bank reviews
BMO Harris Bank Reviews | Read Customer Service Reviews of www.bmoharris.com
December 5, 2025 - The overall sentiment indicates that the service and contact with the bank have been disappointing for a considerable number of reviewers.See more ... I had been with Harris Bank since 2013, a more pathetic outfit would be hard to find. Staff and branch management are consistently over that time poorly trained, rude, product knowledge is shocki... See more ... Worst mobile banking ever. Web team at BMO is incapable of handling customers seeking protection on their end of the transaction, like vpn with persistent ip address.
Address Chicago, US
Better Business Bureau
bbb.org › us › il › chicago › profile › bank › bmo-bank-na-0654-1003514 › customer-reviews
BMO Bank N.A. | BBB Reviews | Better Business Bureau
I DON'T WANT A DEBIT CARD!Worst bank to deaL WITH. ... Is still holding my check. For almost 2 weeks. I have legal issues that i nred this money for. Bmo os a horrible bank and should be shut down.
SoloSuit
solosuit.com › posts › bmo-harris-bank-review-pros-cons
BMO Harris Bank Review: Pros and Cons | Solo Blog
October 27, 2023 - Having been in business for over a century, BMO Harris Bank has had poor reviews from various customers country-wide. For example, on the BBB page, they have a 1.06-star rating from many reviews. In addition, the BBB and Consumer Financial Protection Bureau have received more than thousands ...
Yelp
yelp.com › brands › bmo harris bank
Bmo Harris Bank Reviews | Read Customer Service Reviews of mibank.com
Bmo Harris Bank has an average rating of 2.1 from 16 reviews. The rating indicates that most customers are generally dissatisfied. The official website is mibank.com. Bmo Harris Bank is popular for Banks & Credit Unions, Financial Services.
Reddit
reddit.com › r/banking › bmo is awful - does it get any better or start looking elsewhere?
r/Banking on Reddit: BMO is awful - does it get any better or start looking elsewhere?
October 2, 2023 -
We were with Bank of the West - transitioned to BMO recently. I saw other posts of the pains of online banking not working, so it seems like I was not the only one! My Zelle was also disconnected in the transition and won't reconnect.
I understand there are some bumps to be expected in a transition, but my real issue is the hold time on checks. We are a construction business - I have material to purchase, guys to pay... and they are holding funds for over a week! I've asked them to release it, cut the time back even a bit... and NOTHING. Nope, we can't help you - too bad, you chose to deposit your check here and so you have to deal with it.
I had 3 people in the branch tell me funds will be released today... well, surprise ... they weren't. I called BMO customer service - they are now telling me they won't be released until tomorrow. Such a frustrating and disappointing experience with BMO. What are your hold times like - long holds forever or is this part of the transition headache?
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Longer check holds is happening elsewhere too. Another poster mentioned similar issues with a different bank recently. Open a line of credit to smooth out cashflow. Presumably, you require a deposit(s) for larger jobs. If so, maybe increase the deposit amount / percentage to account for increased costs and risk exposure. Setting aside the check holds issue, best to have multiple bank accounts for redundancy. Open another business account elsewhere. Also, while on that, if your personal account is also with BMO, open a second personal account elsewhere too.
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I don't bank with bmo but i'm sure bmo sees you as "new" account which is why all your checks are being put on hold. Any new bank you go to would have the same hold issues. For zelle, likely your token is still attached to bank of the west in the zelle system even though there is no deposit account attached to it. I have a potential solution you can try. If you bank at other places or have a trusted family member or friend that can help you.. See if they can register your token. If they are successful then have them unregister it after and you should be free to use it with bmo. If a token is already registered in the zelle system, some banks won't touch it while some will.
Better Business Bureau
bbb.org › us › il › chicago › profile › bank › bmo-bank-na-0654-1003514 › complaints
BMO Bank N.A. | BBB Complaints | Better Business Bureau
The business (BMO HARRIS BANK) did not send any letter for resolution. NO letter was received, so I cannot judge whether it any resolution within it is acceptable or not, and it's now Sunday, they claim they sent it on Monday. I did not receive it. They have my telephone number, and so they ...
Indeed
indeed.com › companies › banking & lending › bmo us
Working at BMO US: 1,716 Reviews | Indeed.com
To that, they are a different flavor of big bank, without the big bank pay. ... Toxic workplace, mentally draining. Managers aren’t held accountable. There is a lot of favoritism. Instead of motivating employees they constantly threaten to write you up or fire you. So much drama within branches. The most unprofessional job I’ve ever experienced. ... BMO Harris has systems stuck in the Stone Age.
Finder
finder.com › www.finder.com › mortgages › bmo mortgage review
BMO (formerly BMO Harris) Mortgage Review: Good but Limited
February 27, 2023 - The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. BMO has 14 customer reviews on Trustpilot, where it has a TrustScore of 2.3 out of 5 stars.
Business Insider
businessinsider.com › personal finance › banking › savings › bmo bank review 2025
Analysis of Services, Fees, and Customer Experience: BMO Bank Review 2025
May 22, 2025 - BMO has received an A+ rating from the Better Business Bureau. A strong BBB rating signifies the company is transparent in how it handles business, responds effectively to customer complaints, and is honest in its advertising.
WalletHub
wallethub.com › profile › bmo-harris-bank-13003723i
BMO Harris Bank Reviews
BMO reviews, contact info, products & FAQ. Get the full story from fellow consumers' unbiased BMO reviews.
SmartAsset
smartasset.com › checking-account › bmo-harris-banking-review
BMO Harris Bank Review | SmartAsset.com
BMO serves clients from consumers to small businesses and corporations by providing a range of banking, investing and wealth management services. With BMO Harris, you can find just about anything you’d expect from a major bank, including checking accounts, savings accounts, CDs and IRAs.
Better Business Bureau
bbb.org › us › il › chicago › profile › bank › bmo-bank-na-0654-1003514
BMO Bank N.A. | BBB Business Profile | Better Business Bureau
BBB Accredited since 4/9/1997. Bank in Chicago, IL. See BBB rating, reviews, complaints, get a quote and more.
Business Insider
businessinsider.com › personal finance › mortgages › bmo mortgage review: loans & down payment help in u.s. and canada
BMO Mortgage Review: Loans & Down Payment Help in U.S. and Canada
March 5, 2025 - Business Insider's personal finance team compared BMO (formerly BMO Harris) to the best mortgage lenders and found its offerings to be fairly standard, with a number of strengths and a few weaknesses.
Comparably
comparably.com › brands › bmo-harris-bank
BMO Harris Bank NPS & Customer Reviews | Comparably
Out of the 17 BMO Harris Bank customer reviews 5 were positive and 12 were constructive.
CNET
cnet.com › money › banking › bmo harris: banking review
BMO Harris: Banking Review - CNET
May 16, 2023 - However, when it comes to traditional checking and savings accounts, the bank offers very low annual percentage yields, or APYs — with a few exceptions on select terms. If you want access to in-person assistance, BMO Harris is worth a look. It has a sizable footprint in the US, serving more than 2 million people, more than 500 branches in eight states and access to more than 40,000 ATMs.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › banking › reviews › bmo review: checking, savings and cds
BMO Review: Checking, Savings and CDs - NerdWallet
BMO Bank N.A.
BMO, a U.S. bank that's part of Canada-based Bank of Montreal, offers solid basic checking options, a big ATM network and more.