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BMO Harris Review 2022  Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans &amp; accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure <h3> Advertiser Disclosure </h3> We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.<br> Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances.
BMO Harris Review 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure

Advertiser Disclosure

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances.
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David Cohen 2 minutes ago
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But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
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Editorial disclosure

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<h3>Editorial disclosure</h3> All reviews are prepared by our staff. Opinions expressed are solely those of the reviewer and have not been reviewed or approved by any advertiser.

Editorial disclosure

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The information, including any rates, terms and fees associated with financial products, presented in the review is accurate as of the date of publication. BMO Harris <h1>BMO Harris Review 2022</h1> Libby Wells covers banking and deposit products. She has more than 30 years’ experience as a writer and editor for newspapers, magazines and online publications.
The information, including any rates, terms and fees associated with financial products, presented in the review is accurate as of the date of publication. BMO Harris

BMO Harris Review 2022

Libby Wells covers banking and deposit products. She has more than 30 years’ experience as a writer and editor for newspapers, magazines and online publications.
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Updated November 10, 2022 Bankrate logo

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The Bankrate promise

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Updated November 10, 2022 Bankrate logo <h2> The Bankrate promise </h2> At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners.
Updated November 10, 2022 Bankrate logo

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners.
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Here's an explanation for how we make money. Bankrate logo <h3> The Bankrate promise </h3> Founded in 1976, Bankrate has a long track record of helping people make smart financial choices.
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All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money.
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Bankrate logo <h3> Editorial integrity </h3> Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. <h4> Key Principles </h4> We value your trust.
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We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site.
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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. <h3> On This Page</h3> <h2> At a glance </h2> 3.4 Bankrate Score CDs Checking Savings MMA About Bankrate Score Bankrate scores are objectively determined by our editorial team.
While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

On This Page

At a glance

3.4 Bankrate Score CDs Checking Savings MMA About Bankrate Score Bankrate scores are objectively determined by our editorial team.
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It's also a good fit for those who need retirement planning, business or commercial services, wealth...
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Our scoring formula weighs several factors consumers should consider when choosing financial products and services. <h3>Overview</h3> BMO Harris is best for customers who want an institution with a full suite of personal banking products such as checking, savings and money market accounts, certificates of deposit, credit cards, mortgages and other loans.
Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Overview

BMO Harris is best for customers who want an institution with a full suite of personal banking products such as checking, savings and money market accounts, certificates of deposit, credit cards, mortgages and other loans.
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It's also a good fit for those who need retirement planning, business or commercial services, wealth...
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Our goal is to help you make smarter financial decisions by providing you with interactive tools and...
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It's also a good fit for those who need retirement planning, business or commercial services, wealth management and investment services and advice. It also offers health savings accounts for individuals and employers. <h3>Highlights</h3> 24/7 Customer Service Compare offers Advertiser Disclosure <h3> Advertiser Disclosure </h3> We are an independent, advertising-supported comparison service.
It's also a good fit for those who need retirement planning, business or commercial services, wealth management and investment services and advice. It also offers health savings accounts for individuals and employers.

Highlights

24/7 Customer Service Compare offers Advertiser Disclosure

Advertiser Disclosure

We are an independent, advertising-supported comparison service.
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Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.<br> Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. <h3>How We Make Money</h3> The offers that appear on this site are from companies that compensate us.
Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

How We Make Money

The offers that appear on this site are from companies that compensate us.
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This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
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Member FDIC Savings Account 3.25 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Member FDIC Savings Account 3.25 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min.
Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min.
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balance for APY Offer details

BMO Harris Bank

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Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team....
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balance for APY Offer details <h3> BMO Harris Bank</h3> Member FDIC Savings Account Details 3.25 % APY Min balance for APY Open a BMO online savings account in minutes Member FDIC Savings Account 3.60 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
balance for APY Offer details

BMO Harris Bank

Member FDIC Savings Account Details 3.25 % APY Min balance for APY Open a BMO online savings account in minutes Member FDIC Savings Account 3.60 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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Min. balance for APY Offer details

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Min. balance for APY Offer details <h3> Bask Bank</h3> Member FDIC Savings Account Details 3.60 % APY Min balance for APY 0 Monthly Acct Fees. No Balance Cap to Earn APY.
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Member FDIC Savings Account Details 3.60 % APY Min balance for APY 0 Monthly Acct Fees. No Balance Cap to Earn APY.
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Member FDIC Savings Account 3.52 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team.
Member FDIC Savings Account 3.52 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team.
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Vio Bank

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balance for APY Offer details <h3> Vio Bank</h3> Member FDIC Savings Account Details 3.52 % APY Min balance for APY Save Smart. Earn More. FDIC Insured.
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Member FDIC Savings Account Details 3.52 % APY Min balance for APY Save Smart. Earn More. FDIC Insured.
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Joseph Kim 34 minutes ago
Bankrate 5-Star Rated.

Overall

In addition to the U.S., BMO Harris has a presence in many...
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Kevin Wang 116 minutes ago

Pros

BMO Harris has a full suite of personal banking products and services. It has more tha...
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Bankrate 5-Star Rated. <h2> Overall </h2> In addition to the U.S., BMO Harris has a presence in many countries around the globe. Its products and services are geared toward a broad range of customers, from modest income earners to the wealthy.
Bankrate 5-Star Rated.

Overall

In addition to the U.S., BMO Harris has a presence in many countries around the globe. Its products and services are geared toward a broad range of customers, from modest income earners to the wealthy.
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<h4>Pros</h4> BMO Harris has a full suite of personal banking products and services. It has more than 40,000 fee-free ATMs nationwide. It is a long history and is FDIC-insured.

Pros

BMO Harris has a full suite of personal banking products and services. It has more than 40,000 fee-free ATMs nationwide. It is a long history and is FDIC-insured.
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It has a global presence. <h4>Cons</h4> Its deposit products are unremarkable.
It has a global presence.

Cons

Its deposit products are unremarkable.
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Sophia Chen 60 minutes ago
BMO Harris has brick-and-mortar locations in only eight states.

BMO Harris bank products

Sa...
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Isabella Johnson 49 minutes ago
There are no transaction limits and the account can be opened online or in a branch. But the APY is ...
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BMO Harris has brick-and-mortar locations in only eight states. <h2>BMO Harris bank products</h2> Savings CD Money Market Checking 3.3 Bankrate Score <h3>BMO Harris savings overview</h3> BMO Harris Savings Builder account has no monthly maintenance fee and the minimum opening deposit is just $25. The bank gives a $5 reward for every month in the first year of opening the account that you save $200 or more.
BMO Harris has brick-and-mortar locations in only eight states.

BMO Harris bank products

Savings CD Money Market Checking 3.3 Bankrate Score

BMO Harris savings overview

BMO Harris Savings Builder account has no monthly maintenance fee and the minimum opening deposit is just $25. The bank gives a $5 reward for every month in the first year of opening the account that you save $200 or more.
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David Cohen 89 minutes ago
There are no transaction limits and the account can be opened online or in a branch. But the APY is ...
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James Smith 33 minutes ago
The account can be opened online or in a branch. Savers get a $5 reward in any month they add at lea...
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There are no transaction limits and the account can be opened online or in a branch. But the APY is very low and it's easy to find much higher yields at online banks.<br><br> <h4>Pros</h4> The Savings Builder account has no monthly maintenance fee. The minimum opening deposit is a modest $25.
There are no transaction limits and the account can be opened online or in a branch. But the APY is very low and it's easy to find much higher yields at online banks.

Pros

The Savings Builder account has no monthly maintenance fee. The minimum opening deposit is a modest $25.
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William Brown 33 minutes ago
The account can be opened online or in a branch. Savers get a $5 reward in any month they add at lea...
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Madison Singh 25 minutes ago

Cons

The APY on the Savings Builder account is very low. Current Savings Rate Advertiser Di...
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The account can be opened online or in a branch. Savers get a $5 reward in any month they add at least $200 to the account during the first year it's opened.
The account can be opened online or in a branch. Savers get a $5 reward in any month they add at least $200 to the account during the first year it's opened.
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<h4>Cons</h4> The APY on the Savings Builder account is very low. Current Savings Rate Advertiser Disclosure <h3> Advertiser Disclosure </h3> We are an independent, advertising-supported comparison service.

Cons

The APY on the Savings Builder account is very low. Current Savings Rate Advertiser Disclosure

Advertiser Disclosure

We are an independent, advertising-supported comparison service.
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Joseph Kim 143 minutes ago
Our goal is to help you make smarter financial decisions by providing you with interactive tools and...
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Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.<br> Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. <h3>How We Make Money</h3> The offers that appear on this site are from companies that compensate us.
Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

How We Make Money

The offers that appear on this site are from companies that compensate us.
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This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site.
This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site.
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William Brown 47 minutes ago
We do not include the universe of companies or financial offers that may be available to you. Member...
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We do not include the universe of companies or financial offers that may be available to you. Member FDIC Savings Account 3.25 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team.
We do not include the universe of companies or financial offers that may be available to you. Member FDIC Savings Account 3.25 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team.
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Nathan Chen 67 minutes ago
Our scoring formula weighs several factors consumers should consider when choosing financial product...
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Isabella Johnson 174 minutes ago
APYs are not competitive compared with many online banks. Some CDs can be opened in a branch or by p...
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Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min balance for APY Offer details Offer details <h3> BMO Harris Bank</h3> Member FDIC Savings Account Details 3.25 % APY Min balance for APY Open a BMO online savings account in minutes 2.8 Bankrate Score <h3>BMO Harris CD overview</h3> BMO Harris offers 15 CD terms ranging from three months to five years, with minimum opening deposits ranging from $1,000 to $5,000.
Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min balance for APY Offer details Offer details

BMO Harris Bank

Member FDIC Savings Account Details 3.25 % APY Min balance for APY Open a BMO online savings account in minutes 2.8 Bankrate Score

BMO Harris CD overview

BMO Harris offers 15 CD terms ranging from three months to five years, with minimum opening deposits ranging from $1,000 to $5,000.
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Sofia Garcia 37 minutes ago
APYs are not competitive compared with many online banks. Some CDs can be opened in a branch or by p...
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Lucas Martinez 13 minutes ago
APYs vary by disclosed ZIP code.

Pros

The bank offers a broad range of CD terms. Th...
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APYs are not competitive compared with many online banks. Some CDs can be opened in a branch or by phone; others must be opened online. BMO Harris offers CD Specials, Add-on CDs, Bump-Rate CDs and Step-Rate CDs.
APYs are not competitive compared with many online banks. Some CDs can be opened in a branch or by phone; others must be opened online. BMO Harris offers CD Specials, Add-on CDs, Bump-Rate CDs and Step-Rate CDs.
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APYs vary by disclosed ZIP code.<br><br> <h4>Pros</h4> The bank offers a broad range of CD terms. The bank offers CD Specials, as well as Add-on CDs, Bump-Rate CDs and Step-Rate CDs.
APYs vary by disclosed ZIP code.

Pros

The bank offers a broad range of CD terms. The bank offers CD Specials, as well as Add-on CDs, Bump-Rate CDs and Step-Rate CDs.
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CDs can be opened online, at a branch or by phone. <h4>Cons</h4> APYs are not competitive.
CDs can be opened online, at a branch or by phone.

Cons

APYs are not competitive.
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William Brown 1 minutes ago
Some CDs require a minimum opening deposit of $5,000. Current CD Rate Advertiser Disclosure

Adv...

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How We Make Money

The offers that appear on this site are from companies that compensate us...
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Some CDs require a minimum opening deposit of $5,000. Current CD Rate Advertiser Disclosure <h3> Advertiser Disclosure </h3> We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.<br> Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Some CDs require a minimum opening deposit of $5,000. Current CD Rate Advertiser Disclosure

Advertiser Disclosure

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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The offers that appear on this site are from companies that compensate us...
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<h3>How We Make Money</h3> The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site.

How We Make Money

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site.
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Chloe Santos 24 minutes ago
We do not include the universe of companies or financial offers that may be available to you. Member...
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We do not include the universe of companies or financial offers that may be available to you. Member FDIC CD 4.50 % APY Info Bankrate CD rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
We do not include the universe of companies or financial offers that may be available to you. Member FDIC CD 4.50 % APY Info Bankrate CD rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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Min. deposit Term Offer details Offer details <h3> BMO Harris Bank</h3> Member FDIC CD Details 4.50 % APY Min.
Min. deposit Term Offer details Offer details

BMO Harris Bank

Member FDIC CD Details 4.50 % APY Min.
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Sebastian Silva 70 minutes ago
deposit Term Grow your money with a high-rate secured CD 1.5 Bankrate Score

BMO Harris money mar...

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Sofia Garcia 96 minutes ago
The APY is not competitive, but you can earn higher rates with a relationship account package. APYs ...
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deposit Term Grow your money with a high-rate secured CD 1.5 Bankrate Score <h3>BMO Harris money market overview</h3> You need only $25 to open the Premier Money Market account at BMO Harris. There is a $10 monthly maintenance fee unless you maintain a monthly minimum balance of $10,000.
deposit Term Grow your money with a high-rate secured CD 1.5 Bankrate Score

BMO Harris money market overview

You need only $25 to open the Premier Money Market account at BMO Harris. There is a $10 monthly maintenance fee unless you maintain a monthly minimum balance of $10,000.
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Ava White 67 minutes ago
The APY is not competitive, but you can earn higher rates with a relationship account package. APYs ...
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Sophia Chen 136 minutes ago
There is a $10 monthly service charge unless you maintain a monthly minimum balance of $10,000. 4.6 ...
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The APY is not competitive, but you can earn higher rates with a relationship account package. APYs vary by ZIP code.<br><br> <h4>Pros</h4> The opening deposit requirement is a modest $25. <h4>Cons</h4> The APY is not competitive.
The APY is not competitive, but you can earn higher rates with a relationship account package. APYs vary by ZIP code.

Pros

The opening deposit requirement is a modest $25.

Cons

The APY is not competitive.
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Scarlett Brown 12 minutes ago
There is a $10 monthly service charge unless you maintain a monthly minimum balance of $10,000. 4.6 ...
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Sophia Chen 4 minutes ago
You will need at least $25 to open the account, but after that, there is no minimum balance requirem...
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There is a $10 monthly service charge unless you maintain a monthly minimum balance of $10,000. 4.6 Bankrate Score <h3>BMO Harris checking overview</h3> BMO Harris offers several checking accounts, but for this review Bankrate looked at the Smart Advantage checking. The account is not interest bearing, but there is no monthly maintenance fee.
There is a $10 monthly service charge unless you maintain a monthly minimum balance of $10,000. 4.6 Bankrate Score

BMO Harris checking overview

BMO Harris offers several checking accounts, but for this review Bankrate looked at the Smart Advantage checking. The account is not interest bearing, but there is no monthly maintenance fee.
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Joseph Kim 76 minutes ago
You will need at least $25 to open the account, but after that, there is no minimum balance requirem...
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You will need at least $25 to open the account, but after that, there is no minimum balance requirement. However, accounts with a $0 balance may be closed.<br><br> The account can be opened online, by phone or at a branch. Smart Advantage comes with a MasterCard debit card, including a choice of branded cards for fans of Chicago sports teams.
You will need at least $25 to open the account, but after that, there is no minimum balance requirement. However, accounts with a $0 balance may be closed.

The account can be opened online, by phone or at a branch. Smart Advantage comes with a MasterCard debit card, including a choice of branded cards for fans of Chicago sports teams.
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Victoria Lopez 18 minutes ago
You can use the debit card to access your money through BMO Harris' big ATM network or go card-free ...
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You can use the debit card to access your money through BMO Harris' big ATM network or go card-free using Mobile Cash, a QR-code based smartphone technology in the bank’s mobile app that works at ATMs. Paper statements will cost you $2 a month, out-of-network ATM usage carries a $3 fee and overdrafts and nonsufficient funds are $36, which exceeds the national average of $33.58.<br><br> <h4>Pros</h4> Smart Advantage has no monthly maintenance fee.
You can use the debit card to access your money through BMO Harris' big ATM network or go card-free using Mobile Cash, a QR-code based smartphone technology in the bank’s mobile app that works at ATMs. Paper statements will cost you $2 a month, out-of-network ATM usage carries a $3 fee and overdrafts and nonsufficient funds are $36, which exceeds the national average of $33.58.

Pros

Smart Advantage has no monthly maintenance fee.
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Dylan Patel 15 minutes ago
The minimum opening deposit is a modest $25. There is no minimum monthly balance requirement....
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Kevin Wang 85 minutes ago
The account comes with a debit card.

Cons

The $36 fee for overdrafts/NSFs exceeds the natio...
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The minimum opening deposit is a modest $25. There is no minimum monthly balance requirement.
The minimum opening deposit is a modest $25. There is no minimum monthly balance requirement.
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The account comes with a debit card. <h4>Cons</h4> The $36 fee for overdrafts/NSFs exceeds the national average.
The account comes with a debit card.

Cons

The $36 fee for overdrafts/NSFs exceeds the national average.
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Compare Offer Advertiser Disclosure <h3> Advertiser Disclosure </h3> We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.<br> Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Compare Offer Advertiser Disclosure

Advertiser Disclosure

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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Victoria Lopez 116 minutes ago

How We Make Money

The offers that appear on this site are from companies that compensate us...
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<h3>How We Make Money</h3> The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site.

How We Make Money

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site.
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Lily Watson 273 minutes ago
We do not include the universe of companies or financial offers that may be available to you. Member...
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Chloe Santos 37 minutes ago
To open To avoid fees Offer details Offer details

SoFi

Member FDIC Checking Account Detail...
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We do not include the universe of companies or financial offers that may be available to you. Member FDIC Checking Account 2.50 % APY Info Bankrate Checking rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
We do not include the universe of companies or financial offers that may be available to you. Member FDIC Checking Account 2.50 % APY Info Bankrate Checking rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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Natalie Lopez 138 minutes ago
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Scarlett Brown 95 minutes ago
As a customer, you can contact someone at the bank’s call center 24/7 or get support via online ch...
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To open To avoid fees Offer details Offer details <h3> SoFi</h3> Member FDIC Checking Account Details 2.50 % APY To open To avoid fees <h2> Bank experience </h2> BMO Harris has a limited brick-and-mortar presence, but it offers mobile and online banking with all the digital tools needed to monitor and manage accounts. The bank's Total Look tool lets you manage all your accounts, even non-BMO Harris accounts, in one place, create a budget and track your spending. BMO Harris also allows peer-to-peer payments with Zelle.
To open To avoid fees Offer details Offer details

SoFi

Member FDIC Checking Account Details 2.50 % APY To open To avoid fees

Bank experience

BMO Harris has a limited brick-and-mortar presence, but it offers mobile and online banking with all the digital tools needed to monitor and manage accounts. The bank's Total Look tool lets you manage all your accounts, even non-BMO Harris accounts, in one place, create a budget and track your spending. BMO Harris also allows peer-to-peer payments with Zelle.
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As a customer, you can contact someone at the bank’s call center 24/7 or get support via online chat. <h2> About BMO Harris </h2> BMO Harris is the eighth-largest bank in North America by assets.
As a customer, you can contact someone at the bank’s call center 24/7 or get support via online chat.

About BMO Harris

BMO Harris is the eighth-largest bank in North America by assets.
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Sophie Martin 38 minutes ago
It is headquartered in Chicago. The Bank of Montreal is BMO Harris’ parent company and BMO Financi...
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David Cohen 24 minutes ago
holding company. BMO Harris' roots date to the mid-1800s. Insured by the Federal Deposit Insurance C...
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It is headquartered in Chicago. The Bank of Montreal is BMO Harris’ parent company and BMO Financial Corp. is its U.S.
It is headquartered in Chicago. The Bank of Montreal is BMO Harris’ parent company and BMO Financial Corp. is its U.S.
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Audrey Mueller 117 minutes ago
holding company. BMO Harris' roots date to the mid-1800s. Insured by the Federal Deposit Insurance C...
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Elijah Patel 73 minutes ago

Review methodology

With so many financial institutions to choose from, it can be hard to ...
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holding company. BMO Harris' roots date to the mid-1800s. Insured by the Federal Deposit Insurance Corp., it has more than 500 branches in Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida and Wisconsin.
holding company. BMO Harris' roots date to the mid-1800s. Insured by the Federal Deposit Insurance Corp., it has more than 500 branches in Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida and Wisconsin.
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Scarlett Brown 278 minutes ago

Review methodology

With so many financial institutions to choose from, it can be hard to ...
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<h2> Review methodology </h2> With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs).

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs).
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Amelia Singh 50 minutes ago
Banks are rated by important factors such as offered interest rates, fees, minimum balance requireme...
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BMO Harris Review 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase R...
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Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.<br><br>We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. .
Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. .
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Liam Wilson 116 minutes ago
BMO Harris Review 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase R...
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Brandon Kumar 161 minutes ago
Any estimates based on past performance do not a guarantee future performance, and prior to making a...

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