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
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.
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
BMO is awful - does it get any better or start looking elsewhere?
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. More on reddit.com
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October 2, 2023BMO Harris Online Savings - myFICO® Forums - 6687302
All of BMO Harris rates on CD are under 1% per depositaccounts.com. FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney ) JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. More on ficoforums.myfico.com
Thoughts on BMO Harris? | Wall Street Oasis
What are the pros and cons of BMO Harris and this office specifically? Anything I should be aware of with regard to offer conversion, exit opps, pay, etc.? ... Authored by: Certified Investment Banking Professional - 1st Year AssociateCertified Investment Banking Pro More on wallstreetoasis.com
Anyone using BMO Harris Bank for their Tesla Loan?
ooo! pick me! pick me! I'm 2 years into BMO financing. No problems and no hidden fees. The only negative part I've come across is no online account access. I had to setup autopay via a check in the mail. THat may have changed since 2018 More on reddit.com
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June 29, 2020Yelp
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.
Tripadvisor
tripadvisor.com › united states › illinois (il) › rockford › things to do in rockford › bmo harris bank center
BMO Harris Bank Center (2025) - All You Need to Know BEFORE You Go (with Reviews)
Tripadvisor performs checks on reviews as part of our industry-leading trust & safety standards. Read our transparency report to learn more. ... We visit Rockford once a year to watch the Manitoba Moose play the Rockford Ice Hogs. We have NEVER had a bad experience at the BMO Harris Bank Center.
ConsumerAffairs
consumeraffairs.com › home › finance › banking › best banks
BMO Bank (Formerly Named BMO Harris Bank) Reviews 2025: Cost, Pros & Cons
November 19, 2025 - 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
SmartAsset
smartasset.com › checking-account › bmo-harris-banking-review
BMO Harris Bank Review | SmartAsset.com
June 9, 2025 - 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.
Facebook
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What are the opinions on BMO bank?
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Deposit Accounts
depositaccounts.com › home › banks › bmo bank n.a.
BMO Bank N.A. Reviews and Rates
If you choose free paperless statements, you get access to more than 40,000 fee-free ATMs nationwide and pay no monthly maintenance fee. If enrolled in BMO’s Overdraft Program, you are charged a $15 fee for each item the bank covers when your account is overdrawn by more than $50.
Address 320 S. Canal St., 60606, Chicago
Bestcompany
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BMO Harris Bank Reviews | BestCompany.com
April 6, 2021 - Tell my personal banker and he didnt try to resolve the issue just told me to find a new bank, and he is a vice president! Bye BMO ... If I could give a zero-star review I would. I will be writing to the Consumer Financial Protection Bureau for reporting incorrect facts to the three credit reporting bureaus. After several phone conversations and correspondence, BMO Harris finds great joy in citing rules & regulations.
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.
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.
myFICO
ficoforums.myfico.com › t5 › Personal-Finance › BMO-Harris-Online-Savings › td-p › 6687302
BMO Harris Online Savings - myFICO® Forums - 6687302
June 27, 2023 - All of BMO Harris rates on CD are under 1% per depositaccounts.com. FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney ) JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept.
Bankrate
bankrate.com › banking › reviews
BMO Bank Review 2025 | Bankrate
2 weeks ago - While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. ... BMO is best for customers who want an institution with a full suite of personal banking products, including deposit accounts, credit cards and loans.
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."
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.
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.
Trustpilot
trustpilot.com › home › money & insurance › banking & money › bank › bmo financial group reviews
BMO Financial Group Reviews | Read Customer Service Reviews of www.bmo.com
November 17, 2025 - The branch Manger at the Oswego, IL location has been rude ,condescending and has hung -up on me on the phone . They never return emails or phone calls . BMO Harris has the worst customer service i ha...
NerdWallet
nerdwallet.com › back to nerdwallet homepage › banking › reviews › bmo review 2025: checking, savings and cds
BMO Review: Checking, Savings and CDs - banking
BMO Bank N.A.
BMO (formerly BMO Harris) is a U.S. subsidiary of Canada’s Bank of Montreal with headquarters in Chicago. The bank has solid checking options coupled with a large ATM network and well-received mobile apps, but it still charges overdraft fees — even when other banks have eliminated them. 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.