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 2025: Cost, Pros & Cons
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
3 weeks ago - 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
WalletHub
wallethub.com › profile › bmo-13003723i
BMO Reviews: 1,912 User Ratings
BMO Bank does allow cardholders to set up automatic payments, too. ... Yes, a BMO Harris account is FDIC-insured up to $250,000 per customer, per account ownership category.
Is BMO a good bank?
BMO is a good choice if you are searching for a bank with many branches throughout the U.S., a checking and savings account with no monthly maintenance fees, and a variety of business bank accounts and services outside of banking.
businessinsider.com
businessinsider.com › personal finance › banking › savings › bmo bank review 2025
Analysis of Services, Fees, and Customer Experience: BMO Bank Review ...
What is BMO?
BMO is a financial institution. BMO offers personal and business checking accounts, savings accounts, an IRA savings account, traditional CDs, IRA CDs, and money market accounts. Beyond banking products, BMO also has credit cards, personal loans, auto loans, and home loans.
businessinsider.com
businessinsider.com › personal finance › banking › savings › bmo bank review 2025
Analysis of Services, Fees, and Customer Experience: BMO Bank Review ...
Is BMO legit?
Yes, BMO is a legitimate bank. It has FDIC insurance and an A+ grade from the Better Business Bureau.
businessinsider.com
businessinsider.com › personal finance › banking › savings › bmo bank review 2025
Analysis of Services, Fees, and Customer Experience: BMO Bank Review ...
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 Financial Services, Banks & Credit Unions.
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?
Top answer 1 of 23
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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.
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.
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 Bank Review 2025: solid checking account variety and bonuses for new accounts BMO; Insider ... This story is available exclusively to Business Insider subscribers. Become an Insider and start reading now. Have an account? Log in. BMO, previously BMO Harris, is a standard banking option compared to the best banks.
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.
PissedConsumer
bmo-harris-bank.pissedconsumer.com › review.html
401 BMO Harris Bank Reviews | bmoharris.com @ PissedConsumer
BMO Harris Bank has 401 reviews (average rating 1.5). Consumers say: Closed My Credit Card Account Without Proper Notice, Needed to speak to someone a HUMAN
BMO Bank
usnewsroom.bmo.com › index.php
BMO Harris Bank ranked #1 by Ranking Arizona for Best Workplace Culture in Banking/Finance
Arizona residents name BMO second-best large bank in the state. PHOENIX (Feb. 18, 2020) — BMO Harris Bank ranked number one for Best Workplace Culture in Banking/Finance for the second year in a row in Ranking Arizona, a list of rankings based on a survey of Arizona residents.
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 ...
Fitch Ratings
fitchratings.com › entity › bmo-harris-bank-na-83171014
BMO Bank N.A. Credit Ratings
Fitch Ratings is a leading provider of credit ratings, commentary and research for global capital markets.
ComplaintsBoard
complaintsboard.com › cb › banks › bmo harris bank
BMO Harris Bank Reviews 2025 – ComplaintsBoard
The government allow... Read full review ... BMO Harris Bank’s earns a 1.0-star rating from 3 reviews and 50 complaints, showing that the majority of clients are dissatisfied with banking services.
Facebook
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What are the opinions on BMO bank?
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Yelp
yelp.com › financial services › banks & credit unions
BMO HARRIS BANK - Updated December 2025 - 72 Reviews - Spear Tower One Market Plz, San Francisco, California - Banks & Credit Unions - Yelp
January 28, 2024 - 72 reviews and 2 photos of BMO HARRIS BANK "Horrible customer service. Trying to link 2 accounts to see both when I log in. Sounds easy enough but no. They treat me like I'm a criminal and all I want them to do is the link the two accounts so when I logon I see them.
U.S. News
usnews.com › home › money › banking
BMO Bank Review | U.S. News
2 weeks ago - Like other larger banks, interest rates are also usually low. ... Customers can use about 40,000 ATMs with no fee. ... There are a variety of CDs offered. The minimum opening deposit for savings is $25. ... Savings APYs are low. Why Trust U.S. News · Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and our raters maintain strict editorial standards and independence. ... BMO Bank operates more than 1,000 branches and, through the Allpoint network, offers fee-free access to over 40,000 ATMs.
Yelp
yelp.com › brands › bmo harris bank
Bmo Harris Bank Reviews | Read Customer Service Reviews of amcore.com
I went from there straight to chase bank and everything was done smoothly with experienced people with all respect. The people in BMO were mean and irrespective, I don't advice any one to do business with that branch as long as such people are running the banking there....
Trustpilot
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BMO Harris Bank Reviews | Read Customer Service Reviews of www.bmoharris.com | 7 of 14
August 15, 2024 - I had to write a review to make up for all the terrible ones on here because they strike me as unfair. I’ve had accounts at BMO for years and they seem like an average bank to me. I think there are often problems with large corporations in general in terms of communication etc. which may be what people are talking about. Personally I’ve never had a problem with BMO Harris Bank.
Address Chicago, US
InHerSight
inhersight.com › company › bmo-harris-bank › ratings
BMO Harris Bank Reviews from Women | InHerSight
Anonymous BMO Harris Bank reviews and ratings from employees. See what women say about what it's like to work at BMO Harris Bank.
Yelp
yelp.com › financial services › banks & credit unions
BMO HARRIS BANK - Updated November 2025 - 128 Reviews - 10 S Villa Ave, Villa Park, Illinois - Banks & Credit Unions - Phone Number - Yelp
April 16, 2025 - 128 reviews and 6 photos of BMO HARRIS BANK "Horrible customer service. I'm switching banks asap. The "bankers" have no idea what they're doing. The tellers don't give you the right attention and just act like you're not important. Just horrid."