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BMO Harris Express Loan Pay^SM Frequently Asked Questions

What is BMO Harris Express Loan Pay?

How do I make an online payment using the BMO Harris Express Loan Pay service?

Where do I find my BMO Harris Auto Loan account number?

What is the cutoff time for entering payments?

What is the Convenience Fee for making a same day payment?

How secure is BMO Harris Express Loan Pay?

What is an appropriate browser?

What are my obligations to help secure my transactions with BMO Harris Express Loan Pay service?

Who should I contact if I have questions about BMO Harris Express Loan Pay?

What hours is BMO Harris Express Loan Pay available?

How can I cancel a payment?

Can I use BMO Harris Express Loan Pay to pay-off my loan?

What are the minimum and maximum payment amounts?

Can I future date a payment?

Can I set up automatic or reoccurring payments?

Error Messages

What is BMO Harris Express Loan Pay?

BMO Harris Express Loan Pay provides a convenient and secure method to make same day payments to your BMO Harris Auto Loan or BMO Harris Consumer Loan or First Mortgage accounts directly from any checking account.

Please note: First Mortgage payments made after 5 p.m. central time will be processed the next Business Day. Auto or Consumer loan payments made after 10 p.m. (CT) will be processed the next Business Day. Business Days are Monday through Friday except federal holidays.

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How do I make an online payment using the BMO Harris Express Loan Pay service?

There are four basic steps involved in using the BMO Harris Express Loan Pay service to make online payments:

• Enter your payment information: You will enter your First Mortgage or BMO Harris Auto or Consumer Loan account number and your payment amount.
• Enter your contact information: You will enter your phone number and email address.
• Enter your payment method information: You will enter your Checking account information.
• Review and submit: You will be given an opportunity to review everything you've entered and change anything if necessary. Then you will submit the payment and receive your confirmation Reference ID.
• Limited to one payment every 14 days. Additional payments can be made by mail, at the branch or by agent assisted Push to Talk payment.

You will need to enter this information each time you make a payment using the BMO Harris Express Loan Pay service.

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Where do I find my BMO Harris Auto Loan account number?

Your BMO Harris Auto Loan account number consists of the last 10 digits displayed in the "Account Number" area found in your coupon book. You can disregard the first five digits. Please refer to the example below:

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What is the cutoff time for entering payments?

The cutoff time for entering First Mortgage payments is 5 p.m. (CT). First Mortgage payments made after 5 p.m. (CT) will be processed the next Business Day. The cutoff time for making Auto or Consumer loan payments is 10 p.m. (CT). Auto or Consumer loan payments made after 10 p.m. (CT) will be processed the next Business Day. Business Days are Monday through Friday except federal holidays. Any payments made on weekends and holidays will be sent the next Business Day.

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What is the Convenience fee for making a same day payment?

There is no fee when making a same-day payment online.

You may also add BMO Harris Bank N.A. to your existing online bill payment service and make a payment via that provider.

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How secure is BMO Harris Express Loan Pay?

The security of your financial information is of utmost importance to us. In order to safeguard the information available in BMO Harris Express Loan Pay, we have taken several precautions to ensure your safety:

• We require strong encryption. Encryption is the method of "scrambling" information to protect its transmission over the Internet. You must use a browser that contains 128-bit encryption.
• We have established firewalls. To build a barrier between an internal network and the Internet, a firewall is installed. The firewall becomes the only way anyone can access the network from outside. Because everything entering the network has to pass through the firewall, it controls all traffic between the network and everything outside it. Therefore, unauthorized users cannot access your account information.
• We have a session time-out feature. If you remain inactive within your online session for 20 minutes, the system will automatically require your account number and the last four digits of your Social Security Number (SSN) to be entered before allowing any new payments.

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What is an appropriate browser?

Currently supported browsers are Internet Explorer 5.5 or higher and Netscape 7.2, with 128-bit encryption. Netscape Navigator® and Microsoft Internet Explorer® are available with 128-bit encryption. If your browser does not meet these requirements, click here to upgrade.

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What are my obligations to help secure my transactions with BMO Harris Express Loan Pay service?

As more completely spelled out in the Terms & Conditions, you are responsible for not giving out your Checking account information or bank routing information, or your BMO Harris account information to parties not obligated on your loan. Furthermore, you need to make sure that you are using an appropriate browser. Also, you should close your browser immediately after you are finished transacting your payment(s).

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Who should I contact if I have questions about BMO Harris Express Loan Pay?

For assistance with BMO Harris Express Loan Pay, please contact us to speak with a BMO Harris Representative for assistance with BMO Harris Express Loan Pay.

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What hours is BMO Harris Express Loan Pay available?

BMO Harris Express Loan Pay gives you 24-hour access to make payments to your BMO Harris Auto or Consumer loan or First Mortgage accounts. The system may be unavailable for a short period of time nightly for routine maintenance. Click here to Log In.

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How can I cancel a payment?

You may cancel any pending payment by calling 1-877-553-2265 before 9 p.m. CT on the day the payment was authorized by you for an auto or consumer loan and before 4 p.m. CT on the day the payment was authorized by you for first mortgage loans. Auto or Consumer loan payments made on a Business Day between 9 p.m. and 10 p.m. CT and first mortgage loan payments made on a Business Day between 4 p.m. and 5 p.m. CT cannot be canceled and will be processed on the same Business Day.

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Can I use BMO Harris Express Loan Pay to pay-off my loan?

No.

Please mail final Auto and Consumer loan payments to:
BMO Harris Bank
P.O. Box 5735,
Carol Stream, IL 60197-5735

Please mail final First Mortgage loan payment to:
BMO Harris Bank
Attn: Payoff Department, Floor 2, Quad A,
1200 Warrenville Road, Naperville, IL 60563

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What are the minimum and maximum payment amounts?

The payment amount must be between $.01 and $5,000.00.

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Can I future date a payment?

No, you may not set up future date payments using BMO Harris Express Loan Pay.

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Can I set up automatic or reoccurring payments?

No, you may not set up automatic or reoccurring payments using BMO Harris Express Loan Pay.

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Error Messages

What does the error message “Payment Exceeds Defined Limits” mean?

The error message appears when an Auto or Consumer loan or First Mortgage payment has already been scheduled within 14 days of the date you requested. Please wait 14 days to schedule your next online payment. Contact us to speak with a BMO Harris Representative to make an agent assisted payment. No fee will be assessed for same day agent assisted payments.

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Founded over 130 years ago, BMO Harris Bank maintains over 500 brick-and-mortar locations across eight states. It features a host of online and mobile banking tools to fit a variety of banking needs.

In addition to traditional checking and savings accounts, BMO Harris offers personal loans, mortgages, retirement and investment accounts, wealth management services and business and commercial banking.

This review is focused on the personal banking options available at BMO Harris Bank. Here’s a closer look at what BMO Harris has to offer consumers and where they stand compared to other banking institutions.

Account Basics

Checking

BMO Harris has three checking accounts available for its customers.

Smart Advantage checking. BMO Harris’s most popular checking account, Smart Advantage, requires no monthly maintenance fees and a $25 minimum opening deposit. Paper statement fees are $2 each month, but you can opt for paperless statements and waive the fee. The account comes with a BMO Harris Bank Debit Mastercard.

Smart Money checking. This checking account comes with a $5 monthly fee, but that fee is waived for customers under age 25. There is a $25 minimum opening deposit requirement. Because customers can only spend available funds in the account, there are no overdraft or non-sufficient fund fees. Smart Money accounts, like Smart Advantage accounts, give you the option to opt out of paper statements and waive the $2 fee. A BMO Harris Bank Debit Mastercard comes with the account.

Premier checking. As BMO Harris’ only interest-bearing checking account, Premier accounts require an initial $25 deposit and have a $25 monthly fee. The monthly fee can be waived by meeting any of these requirements:

• $10,000 minimum daily balance
• $25,000 in combined BMO Harris accounts
• A BMO Harris investment account

All account balances earn interest, but you’ll need to have at least $25,000 in your account to earn their top interest rate, currently 0.10% APY.

Premier checking accounts come with a BMO Harris Bank World Debit Mastercard. The account offers up to a $25 rebate monthly on out-of-network ATM fees.

Savings

The lone savings account option at BMO Harris is Statement Savings. Opening a savings account requires a $25 minimum opening deposit. Unfortunately, the interest rate, at 0.05%, is slightly below the national savings account average rate, much less than you’ll find at online banks.

Statement Savings accounts do have a $5 monthly maintenance fee, which is waivable for account owners under age 25 or keeping a $100 minimum daily ledger balance for the month.

Money Market

One way to earn a competitive interest rate through BMO Harris is its Platinum Money Market account. You’ll need a $5,000 minimum opening deposit to open a money market account, but it has no ongoing balance requirements. Platinum accounts have no monthly maintenance fees, either. These accounts also come with check-writing privileges. Money market accounts, in general, can be a good spot to keep an emergency fund.

Here’s a look at current rates for Platinum Money Market accounts. (See below for exceptions that apply to residents of Arizona, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin.)

CDs

BMO Harris offers Standard CDs and Add-On CDs. Interest earned is handled the same way with both account types. For CDs under 12 months, interest is compounded daily and is credited at maturity. For CDs of 12 months or greater, interest is compounded daily and is credited to the CD quarterly.

Standard CDs. BMO Harris Standard CDs feature terms from three to 60 months. There’s an option for one-month and two-month CDs for balances of at least $100,000. Its CDs have tiered fixed rates based on term length and account balance, with a minimum $1,000 balance requirement. BMO Harris occasionally offers special CD rates for specific term lengths.

Add-On CDs. BMO Harris Add-On CDs allow customers to add more funds after opening a CD account. There’s only the option for a one-year CD term, which currently earns 0.30% APY. Add-On CDs only require a $1,000 minimum deposit.

With both CD options, there’s an early withdrawal fee of up to 545 days’ interest if you withdraw your CD balance before it reaches maturity.

Note: The above rates for Platinum Money Market accounts and Standard CDs only apply to accounts opened online and exclude residents in seven of the states with BMO Harris branches (Arizona, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin). Below are rates for both account types for residents in those seven states.

Distinguishing Features

Relationship benefits are a way for banks to offer loyalty perks for having multiple accounts. BMO Harris Premier Checking accounts come with the additional benefit of mortgage and home equity line of credit (HELOC) discounts.

Access on the Go

BMO Harris Bank offers consumers both in-person and digital banking solutions. There are over 500 local BMO Harris bank branches spread throughout the following states:

• Illinois
• Indiana
• Arizona
• Missouri
• Minnesota
• Kansas
• Florida
• Wisconsin

BMO Harris customers have access to over 40,000 fee-free ATMs, including BMO Harris ATMs and the Allpoint ATM Network.

For fans of banking on the go, BMO Harris digital banking provides customers with online and mobile account access almost anywhere in the world. Its mobile app is available for both iOS (rated 4.7 out of 5 at the App Store) and Android (rated 4.2 out of 5 on Google Play) and features helpful tools like:

• Mobile check deposits
• Mobile cash withdrawal at most BMO Harris ATMs
• Total Look account management
• Apple Pay and Zelle integration
• Bill pay

If online and mobile access isn’t your thing, there’s also a bank by phone option available to BMO Harris customers, which allows you to use your phone for a variety of banking tasks.

Pros

• Competitive rate on its money market account
• Multiple checking account options
• Large fee-free ATM network
• Decent rates on CDs for a brick-and-mortar bank
• No monthly fees or fees are waivable in most cases

Cons

• Low savings rate
• Local branches limited to eight states

How BMO Harris Bank Stacks Up

BMO Harris is a solid option if you’re looking for a full-service bank, especially if you happen to live in a state with local branches. BMO Harris is more competitive with its rates and offerings than several other big traditional banks. It also features online and digital tools that rival what’s offered by the top online banks. For example, its Mobile Cash feature allows you to withdraw money from BMO Harris ATMs without using a debit card.

But this national bank has some pitfalls when compared to many online institutions. While it provides more accounts and services than most online banks, only its money market account offers a competitive rate. If capitalizing on the best savings account rates is important to you, make sure to compare rates outside of BMO Harris Bank.

Overall, BMO Harris offers enough benefits, accounts and services to make it an attractive banking option for most consumers. It’s an especially good bank if you plan to take advantage of services beyond just bank accounts.

BMO Harris Bank Phone Numbers and Emails

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BMO Harris Bank Contact Information

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Why Do People Call BMO Harris Bank Customer Service?

About

BMO Harris Bank Privacy Policy

At BMO Harris Bank, BMO Harris Bank recognize the importance of protecting the privacy of BMO Harris Bank's' customers. BMO Harris Bank maintain physical, electronic and procedural safeguards to guard non-public personal information about The User The Client can visit Company's site without providing www.bmoharris.com with any personal information about The Client of BMO Harris Bank to find out about BMO Harris Bank's' company history, Company's products and services, and BMO Harris Bank's' career opportunities. Banking products and services are subject to bank and credit approval and are provided by BMO Harris Bank N.A. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When The User of Website open an account, Website will ask for The User's name, address, date of birth and other information that will allow BMO Harris Bank to identify The Client of BMO Harris Bank

To read more: https://www.bmoharris.com/us/about/privacy

BMO Harris Bank FAQ

To read more: https://www.bmoharris.com/assets/pdfs/disputefaq.pdf

Top BMO Harris Bank Services

Online Banking, Customer Care, Auto Loan

Top BMO Harris Bank Products

Checking Account, Account, Deposit

BMO Harris Bank Pros and Cons

Pros: No pro, Local manager, When they were m and i, Lying to customers, Atm network

Cons: Customer service, Unprofessional behavior, Telephone assisstance, Stole my money, Online banking app

Related Companies

Bank of Montreal, BMO Capital Markets

Summary

BMO Harris Bank is an American bank which is based in Chicago, Illinois. The bank is headquartered in the complex of three buildings in the neighborhood called Loop. Currently it belongs to BMO Financial Corporation. The bank was created in 1882 as N.W. Harris & Co which was started by Norman Wait Harris. In 1847 BMO Harris Bank was functioning as Samuel Marshall & Co. BMO Harris Bank offers different kinds of financial services in such states as Arizona, Indiana, Illinois, Florida, Missouri, Minnesota, Nevada, Kansas, and Wisconsin. In general the bank has over 600 branches. It serves personal and corporate clients providing personal, wealth management, small business, and comercial services. BMO Harris Bank employs more than 14,000 people.

BMO Harris Bank is ranked 177 out of 778 in Banks category

Payment Methods

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Who Is BMO Harris Best For?

BMO Harris may be a good option for anybody wanting to work with a large bank while keeping costs low. It may be especially appealing to those who:

• Need checking at a brick-and-mortar bank and without a maintenance fee
• Have at least $10,000 to waive the money market fee
• Use ATMs frequently and enjoy access to a nationwide network
• Want a credit card with cash-back rewards or other perks

What Does BMO Harris Offer?

Given the size of the bank, it’s no surprise that BMO Harris offers a broad array of financial products and services.

Accounts

Statement Savings

The Statement Savings account is a place to keep cash secure and earn a small amount of interest.

• $25 minimum to open
• Pays 0.03% APY
• $5 monthly fee, waived with a balance of $100 or more
• No monthly fee for those under age 25

This account makes a brick-and-mortar savings account relatively accessible. With a low minimum initial deposit and a fee waiver at $100, it’s competitive with other banks. For example, Chase Bank requires at least $300 in your account (among other fee waiver options) to avoid monthly fees.

Premier Money Market

The Premier Money Market account is competitive with online banks.

• Minimum $25 to open
• Pays up to 0.12% APY
• $10 monthly fee, but waived if you have $10,000
• No minimum balance requirement, although your rate drops to 0.05% when you fall below $25,000
• Debit card may be available
• Online bill pay
• Checkwriting available

Checking Accounts

Smart Money Account

The Smart Money checking account is a checking account that does not let you overdraw your account. 

• No overdraft or insufficient funds fees
• Debit card for spending
• Checkwriting available
• Online bill pay
• $2 paper statement fee, waived with online statements

This account might work well for those who are just beginning to manage their own finances. For example, students and young adults can write checks or use a debit card, and the bank will reject transactions that won’t clear at no charge. But once you’re 25 or older (or if you never overdraw your account), the Smart Advantage account might be a better option.

Smart Advantage Checking Account

The Smart Advantage Account, a basic checking account, is the bank’s most popular account. There’s no monthly fee if you use paperless statements, making it easy to qualify for free checking at a brick-and-mortar bank.

• Debit card for spending
• Checkwriting
• Online bill pay
• Paper statements for $2 per month
• Optional overdraft protection, with costs at $36 per item and $7 for consecutive days of overdrafting

If you need a brick-and-mortar checking account and BMO Harris branches are convenient for you, this account could be an attractive option. You get access to instant in-branch services like cashier’s check purchases or cash deposits and withdrawals.

Premier Checking Account

The Premier Checking account is designed for customers who keep substantial assets with BMO Harris. In return, you receive interest earnings as well as extra perks like rebates for using non-BMO Harris ATMs.

• Debit card and checks for spending
• Online bill pay 
• No charge from BMO Harris to use other banks’ ATMs (ATM owners may charge fees)
• ATM fee rebates, up to $25 per month 
• Free paper statements with check images
• Free standard checks
• Optional overdraft protection available

If you’re a fan of interest-earning checking and ATM fee rebates, take a look at Ally Bank’s Interest Checking account. Ally offers up to $10 per month in reimbursements for ATM fees and has an APY much higher than BMO Harris, 0.1% on accounts less than $15,000 and 0.25% on accounts of $15,000 or more. The only catch is that Ally is an online-only bank, so there are no branches.

Certificates of Deposit

Standard CD

BMO Harris offers certificates of deposit (CDs) with terms ranging from three months to five years:

CDs require at least $1,000 to open. Under $100,000 your shortest term is 3 months. With $100,000 or more you have access to 1 and 2 month terms. Rates and CD options may vary by your location. The following rates are current as of July 27, 2021:

BMO Harris has a CD product called the Add-On CD that allows you to add money to the principal up to $100,000 during the life of the CD.

You'll pay an early withdrawal fee if you withdraw cash from a CD before it's maturation date. BMO Harris bases these penalty fees on the length of your CD:

• One month: All interest earned
• Two months to 11 months: 90 days of interest
• 12 to 23 months: 180 days of interest
• 24 to 35 months: 270 days of interest
• 36 to 47 months: 365 days of interest
• 48 months or longer: 545 days of interest

Credit Cards

BMO Harris offers four different Mastercard credit cards. They offer a variety of rewards, cardholder benefits, and promotional offers.

• BMO Harris Bank Premium Rewards Mastercard
• BMO Harris Bank Cash Back Mastercard
• BMO Harris Bank Platinum Rewards Mastercard
• BMO Harris Bank Platinum Mastercard

Other Financial Products From BMO Harris

BMO Harris also has a wide range of other offerings:

• Home purchase mortgages
• Home equity loans and lines of credit
• Mortgage refinancing
• Personal loans
• Auto loans
• Secured loans
• IRAs
• Investment management
• Financial advisors
• Business banking
• Business loans and lines of credit
• Business credit cards

BMO Harris Customer Service

BMO Harris scored just above average in the 2020 J.D. Power U.S. Retail Banking Satisfaction Study (Midwest region). In addition to using branch locations, you can get help through the automated online support tool or request a call from customer service.

Customer service by phone is available 24/7.

How to Bank With BMO Harris

To get started, visit BMOHarris.com or call 888-340-2265. As with any financial institution, you need to provide personal information when opening a bank account.

• For Personal Banking you need to dial 1-888-340-2265. Service hours of operation are 24/7.
• To Report lost or stolen card you need to dial 1-855-825-9237.
• For Small Business Banking you need to dial 1-888-340-2265. Service hours of operation are 24/7.
• For BMO Harris Wealth Management Premium Rewards Mastercard® you need to dial 1-855-825-9239.
• For Investments you need to dial 1-877-225-3863. Service hours of operation are 24/7.

BMO Harris Bank Social Networks Customer Service

Reach Real Person in Bmo Harris Bank by Phone, Live Chat, Social Network

Make sure that you tried multiple options when reaching customer service. If live customer service agent is not available by phone, try live chat. Frequently direct message via Bmo Harris Bank Facebook account or Bmo Harris Bank Twitter account may get you a customer representative quickly, so try it too. If you want to file a complaint or submit a positive feedback you may leave your comment or complaint under Instagram or Youtube post and in many cases the business will respond to it. For your convenience all of these customer service contact options for Bmo Harris Bank are provided above.

What to do if Bmo Harris Bank Live Person Contact Information Is Not Working?

It is typical that customer service menu options change with time. Customer support options and even contact phone numbers might be removed and added. If you have problems with getting a real person in Bmo Harris Bank customer service with instructions above please leave the comment in the comments section below and we will improve this guide. We are constantly monitoring the customer service contact numbers, e-mail and chats to make sure the instructions on How to Talk to a Live Person in BMO Harris Bank Customer Service are the most accurate.

If you successfully reached a live customer service agent in Bmo Harris Bank please leave your instructions in the comments section below so everyone can use it.

Updated on in Banks

Who Is BMO Harris Best For?

BMO Harris may be a good option for anybody wanting to work with a large bank while keeping costs low. It may be especially appealing to those what is the state tax for south carolina

• Need checking at a brick-and-mortar bank and without a maintenance fee
• Have at least $10,000 to waive the money market fee
• Use ATMs frequently and enjoy access to a nationwide network
• Want a credit card with cash-back rewards or other perks

What Does BMO Harris Offer?

Given the size of the bank, it’s no surprise that BMO Harris offers a broad array of financial products and services.

Accounts

Statement Savings

The Statement Savings account is a place to keep cash secure and earn a small amount of interest.

• $25 minimum to open
• Pays 0.03% APY
• $5 monthly fee, waived with a bmo harris bank auto loan contact number of $100 or more
• No monthly fee for those under age 25

This account makes a brick-and-mortar savings account relatively accessible. With a low minimum initial deposit and a fee waiver at $100, it’s competitive with other banks. For example, Chase Bank requires at least $300 in your account (among other fee waiver options) to avoid monthly fees.

Premier Money Market

The Premier Money Market account is competitive with online banks.

• Minimum $25 to open
• Pays up to 0.12% APY
• $10 monthly fee, but waived if you have $10,000
• No minimum balance requirement, although your rate drops to 0.05% when you fall below $25,000
• Debit card may be available
• Online bill pay
• Checkwriting available

Checking Accounts

Smart Money Account

The Smart Money checking account is a checking account that does not let you overdraw your account. 

• No overdraft or insufficient funds fees
• Debit card for spending
• Checkwriting available
• Online bill pay
• $2 paper statement fee, waived with online statements

This account might work well for those who are just beginning to manage their own finances. For example, students and young adults can write checks or use a debit card, and the bank will reject transactions that won’t clear at no charge. But once you’re 25 bmo harris bank auto loan contact number older (or if you never overdraw your account), the Smart Advantage account might be a better option.

Smart Advantage Checking Account

The Smart Advantage Account, a basic checking account, is the bank’s most popular account. There’s no monthly fee if you use paperless statements, making it easy to qualify for free checking at a brick-and-mortar bank.

• Debit card for spending
• Checkwriting
• Online bill pay
• Paper statements for $2 per month
• Optional overdraft protection, with costs at $36 per item and $7 for consecutive days of overdrafting

If you need a brick-and-mortar checking account and BMO Harris branches are convenient for you, this account could be an attractive option. You get access to instant in-branch services like cashier’s check purchases or cash deposits and withdrawals.

Premier Checking Account

The Premier Checking account is designed for customers who keep substantial assets with BMO Harris. In return, you receive interest earnings as well as extra perks like rebates for using non-BMO Harris ATMs.

• Debit card and checks for spending
• Online bill pay 
• No charge from BMO Harris to use other banks’ ATMs (ATM owners may charge fees)
• ATM fee rebates, up to $25 per month 
• Free paper statements with check images
• Free standard checks
• Optional overdraft protection available

If you’re a fan of interest-earning checking and ATM fee rebates, take a look at Ally Bank’s Interest Checking account. Ally offers up to $10 per month in reimbursements for ATM fees and has an APY much higher than BMO Harris, 0.1% on accounts less than $15,000 and 0.25% on accounts of $15,000 or more. The only catch is that Ally is an online-only bank, so there are no branches.

Certificates of Deposit

Standard CD

BMO Harris offers certificates of deposit (CDs) with terms ranging from three months to five years:

CDs require at least $1,000 to open. Under $100,000 your shortest term is 3 months. With $100,000 or more you have access to 1 and 2 month terms. Rates and CD options may vary by your location. The following rates are current as of July 27, 2021:

BMO Harris has a CD product called the Add-On CD that allows you to add money to the principal up to $100,000 during the life of the CD.

You'll pay an early withdrawal fee if you bmo harris bank auto loan contact number cash from a CD before it's maturation date. BMO Harris bases these penalty fees on the length of your CD:

• One month: All interest earned
• Two months to 11 months: 90 days of interest
• 12 to 23 months: 180 days of interest
• 24 to 35 months: 270 days of interest
• 36 to 47 months: 365 days of interest
• 48 months or longer: 545 days of interest

Credit Cards

BMO Harris offers four different Mastercard credit cards. They offer a variety of rewards, cardholder benefits, and promotional offers.

• BMO Harris Bank Premium Rewards Mastercard
• BMO Harris Bank Cash Back Mastercard
• BMO Harris Bank Platinum Rewards Mastercard
• BMO Harris Bank Platinum Mastercard

Other Financial Products From BMO Harris

BMO Harris also has a wide range of other offerings:

• Home purchase mortgages
• Home equity loans and lines of credit
• Mortgage refinancing
• Personal loans
• Auto loans
• Secured loans
• IRAs
• Investment management
• Financial advisors
• Business banking
• Business loans and lines of credit
• Business credit cards

BMO Harris Customer Service

BMO Harris scored just above average in the 2020 J.D. Power U.S. Retail Banking Satisfaction Study (Midwest region). In addition to using branch locations, you can get help through the automated online support tool or request a call from customer service.

Customer service by phone is available 24/7.

How to Bank With BMO Harris

To get started, visit BMOHarris.com or call 888-340-2265. As with any financial institution, you need to provide personal information when opening a bank account.

BMO Harris Bank Phone Numbers and Emails

More phone numbers and emailsLess phone numbers and emails

BMO Harris Bank Contact Information

Edit Business Info

Why Do People Call BMO Harris Bank Customer Service?

About

BMO Harris Bank Privacy Policy

At BMO Harris Bank, BMO Harris Bank recognize the importance of protecting the privacy of BMO Harris Bank's' customers. BMO Harris Bank maintain physical, electronic and procedural safeguards to guard non-public personal information about The User The Client can visit Company's site without providing www.bmoharris.com with any personal information about The Client of BMO Harris Bank to find out about BMO Harris Bank's' company history, Company's products and services, and BMO Harris Bank's' career opportunities. Banking products and services are subject to bank and credit approval and are provided by BMO Harris Bank N.A. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When The User of Website open an account, Website will ask for The User's name, address, date of birth and other information that will allow BMO Harris Bank to identify The Client of BMO Harris Bank

To read more: https://www.bmoharris.com/us/about/privacy

BMO Harris Bank FAQ

To read more: https://www.bmoharris.com/assets/pdfs/disputefaq.pdf

Top BMO Harris Bank Services

Online Banking, Customer Care, Auto Loan

Top BMO Harris Bank Products

Checking Account, Account, Deposit

is publix open today christmas day atlantic union bank onley va BMO Harris Bank Pros and Cons

Pros: No pro, Local manager, When they were m and i, Lying to customers, Atm network

Cons: Customer service, Unprofessional behavior, Telephone assisstance, Stole my money, Online banking app

Related Companies

Bank of Montreal, BMO Capital Markets

Summary

BMO Harris Bank is an American bank which is based in Chicago, Illinois. The bank is headquartered in the complex of three buildings in the neighborhood called Loop. Currently it belongs to BMO Financial Corporation. The bank was created in 1882 as N.W. Harris & Co which was started by Norman Wait Harris. In 1847 BMO Harris Bank was functioning as Samuel Marshall & Co. BMO Harris Bank offers different kinds of financial services in such states as Arizona, Indiana, Illinois, Florida, Missouri, Minnesota, Nevada, Kansas, and Wisconsin. In general the bank has over 600 branches. It serves personal and corporate clients providing personal, wealth management, small business, and comercial services. BMO Harris Bank employs more than 14,000 people.

BMO Harris Bank is ranked 177 out of 778 in Banks category

shariah compliant stocks in usa Payment Methods

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BMO Harris Express Loan Pay^SM Frequently Asked Questions

What is BMO Harris Express Loan Pay?

How do I make an online payment using the BMO Harris Express Loan Pay service?

Where do I find my BMO Harris Auto Loan account number?

What is the cutoff time for bmo harris bank auto loan contact number payments?

What is the Convenience Fee for making a same day payment?

How secure is BMO Harris Express Loan Pay?

What is an appropriate browser?

What are my obligations to help secure my transactions with BMO Harris Express Loan Pay service?

Who should I contact if I have questions about BMO Harris Express Loan Pay?

What hours is BMO Harris Express Loan Pay available?

How can I cancel a payment?

Can I use BMO Harris Express Loan Pay to pay-off my loan?

What are the minimum and maximum allied health phone number amounts?

Can I future date a payment?

Can I set up automatic or reoccurring payments?

Error Messages

What is BMO Harris Express Loan Pay?

BMO Harris Express Loan Pay provides a convenient look at me now lyrics secure method to make same day payments to your BMO Harris Auto Loan or BMO Harris Consumer Loan or First Mortgage accounts directly from any checking account.

Please note: First Mortgage payments made after 5 p.m. central time will be processed the next Business Day. Auto or Consumer loan payments made after 10 p.m. (CT) will be processed the next Business Day. Business Days are Monday through Friday except federal holidays.

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How do I make an online payment using the BMO Harris Express Loan Pay service?

There are four basic steps involved in using the BMO Harris Express Loan Pay service to make online payments:

• Enter your payment information: You will enter your First Mortgage or BMO Harris Auto or Consumer Loan account number and your payment amount.
• Enter your contact information: You will enter your phone number and email address.
• Enter your payment method information: You will enter your Checking account information.
• Review and submit: You will be given an opportunity to review everything you've entered and change anything if necessary. Then you will submit the payment and receive your confirmation Reference ID.
• Limited to one payment every 14 days. Additional payments can be made by mail, at the branch or by agent assisted Push to Talk payment.

You will need to enter this information each time you make a payment using the BMO Harris Express Loan Pay service.

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Where do I find my BMO Harris Auto Loan account number?

Your BMO Harris Auto Loan account number consists of the last 10 digits displayed in the "Account Number" area found in bmo harris bank auto loan contact number coupon book. You can disregard the first five digits. Please refer to the example below:

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What is the cutoff time for entering payments?

The cutoff time for entering First Mortgage payments is 5 p.m. (CT). First Mortgage payments made after 5 p.m. (CT) will be processed the next Business Day. The cutoff time for making Auto or Consumer loan payments is 10 p.m. (CT). Auto or Consumer loan payments made after bmo harris bank auto loan contact number p.m. (CT) will be processed the next Business Day. Business Days are Monday through Friday except federal holidays. Any payments made on weekends and holidays will be sent the next Business Day.

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What is the Convenience fee for making a same day payment?

There is no fee when making a same-day payment online.

You may also add BMO Harris Bank N.A. to your existing online bill payment service and make a payment via that provider.

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How secure is BMO Harris Express Loan Pay?

The security of your financial information is of utmost importance to us. In order to safeguard the information available in BMO Harris Express Loan Pay, we have taken several precautions to ensure your safety:

• We require strong encryption. Encryption is the method of "scrambling" information to protect its transmission over the Internet. You must use a browser that contains 128-bit encryption.
• We have established firewalls. To build a barrier between an internal network and the Internet, a firewall is installed. The firewall becomes the only way anyone can access the network from outside. Because everything entering the network has to pass through the firewall, it controls all traffic between the network and everything outside it. Therefore, unauthorized users cannot access your account information.
• We have a session time-out feature. If you remain inactive within your online session for 20 minutes, the system will automatically require your account what time does walmart pickup close and the last four digits of your Social Security Number (SSN) to be entered before allowing any new payments.

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What is an appropriate browser?

Currently supported browsers are Internet Explorer 5.5 or higher and Netscape 7.2, with 128-bit encryption. Netscape Navigator® and Microsoft Internet Explorer® are available with 128-bit encryption. If your browser does not meet these requirements, click here to upgrade.

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What are my obligations to help secure my transactions with BMO Harris Express Loan Pay service?

As more completely spelled out in the Terms & Conditions, you are responsible for not giving out your Checking account information or bank routing information, or your BMO Harris account information to parties not obligated on your loan. Furthermore, you need to make sure that you are using an appropriate browser. Also, you should close your browser immediately after you are finished transacting your payment(s).

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Who should I contact if I have questions about BMO Harris Express Loan Pay?

For assistance with BMO Harris Express Loan Pay, please contact us to speak with a BMO Harris Representative for assistance with BMO Harris Express Loan Pay.

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What hours is BMO Harris Express Loan Pay available?

BMO Harris Express Loan Pay gives you 24-hour access to make payments to your BMO Harris Auto or Consumer loan or First Mortgage accounts. The system may be unavailable for a bmo harris bank auto loan contact number period of time nightly for routine maintenance. Click here to Log In.

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How can I cancel a payment?

You may cancel any pending payment by calling 1-877-553-2265 before 9 p.m. CT on the day the payment was authorized by you for an auto or consumer loan and before 4 p.m. CT on the day the payment was authorized by you for first mortgage loans. Auto or Consumer loan payments made on a Business Day between 9 p.m. and 10 p.m. CT and first mortgage loan payments made on a Business Day between 4 p.m. and 5 p.m. CT cannot be canceled and will be processed on the same Business Day.

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Can I use BMO Harris Express Loan Pay to pay-off my loan?

No.

Please mail final Auto and Consumer loan payments to:
BMO Harris Bank
P.O. Box 5735,
Carol Stream, IL 60197-5735

Please mail final First Mortgage loan payment to:
BMO Harris Bank
Attn: Payoff Department, Floor 2, Quad A,
1200 Warrenville Road, Naperville, IL 60563

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What are the minimum and maximum payment amounts?

The payment amount must be between $.01 and $5,000.00.

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Can I future date a payment?

No, you may not set up future date payments using BMO Harris Express Loan Pay.

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Can I set up automatic or reoccurring payments?

No, bmo harris bank auto loan contact number may not set up automatic or reoccurring payments using BMO Harris Express Loan Pay.

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Error Messages

What does the error message “Payment Exceeds Defined Limits” mean?

The error message appears when an Auto or Consumer loan or First Mortgage payment has already been scheduled within 14 days of the date you requested. Please wait 14 days to schedule your next online payment. Contact us to speak with a BMO Harris Representative to make an agent assisted payment. No fee will be assessed for same day agent assisted payments.

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Founded over 130 years ago, BMO Harris Bank maintains over 500 brick-and-mortar locations across eight states. It features a host of online and mobile banking tools to fit a variety of banking needs.

In addition to traditional checking and savings accounts, BMO Harris offers personal loans, mortgages, retirement and investment accounts, wealth management services and business and commercial banking.

This review is focused on the personal banking options available at BMO Harris Bank. Here’s a closer look at what BMO Harris has to offer consumers and where they stand compared to other banking institutions.

Account Basics

Checking

BMO Harris has three checking accounts available for its customers.

Smart Advantage checking. BMO Harris’s most popular checking account, Smart Advantage, requires no monthly maintenance fees and a $25 minimum opening deposit. Paper statement fees are $2 each month, but you can opt for paperless statements and waive the fee. The account comes with a BMO Harris Bank Debit Mastercard.

Smart Money checking. This checking account comes with a $5 monthly fee, but that fee is waived for customers under age 25. There is a $25 minimum opening deposit requirement. Because customers can only spend available funds in the account, there are no overdraft or non-sufficient fund fees. Smart Money accounts, like Smart Advantage accounts, give you the option to opt out of paper statements and waive the $2 fee. A BMO Harris Bank Debit Mastercard comes with the account.

Premier checking. As BMO Harris’ only interest-bearing checking account, Premier accounts require an initial $25 deposit and have a $25 monthly fee. The monthly fee can be waived by meeting any of these requirements:

• $10,000 minimum daily balance
• $25,000 in combined BMO Harris accounts
• A BMO Harris investment account

All account balances earn interest, but you’ll need to have at least $25,000 in your account to earn their top interest rate, currently 0.10% APY.

Premier checking accounts come with a BMO Harris Bank World Debit Mastercard. The account offers up to a $25 rebate monthly on out-of-network ATM fees.

Savings

The lone savings account option at BMO Harris is Statement Savings. Opening a savings account requires a $25 minimum opening deposit. Unfortunately, the interest rate, at 0.05%, is slightly below the national savings account average rate, much less than you’ll find at online banks.

Statement Savings accounts do have a $5 monthly maintenance fee, which is waivable for account owners under age 25 or keeping a $100 minimum daily ledger balance for the month.

Money Market

One way to earn a competitive interest rate through BMO Harris is its Platinum Money Market account. You’ll need a $5,000 minimum opening deposit to open a money market account, but it has no ongoing balance requirements. Platinum accounts have no monthly maintenance fees, either. These accounts also come with check-writing privileges. Money market accounts, in general, can be a good spot to keep an emergency fund.

Here’s a look at current rates for Platinum Money Bmo harris bank auto loan contact number accounts. (See below for exceptions that apply to residents of Arizona, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin.)

CDs

BMO Harris offers Standard CDs and Add-On CDs. Interest earned is handled the same way with both account types. For CDs under 12 months, interest is compounded daily and is credited at maturity. For CDs of 12 months or greater, interest is compounded daily and is credited to the CD quarterly.

Standard CDs. BMO Harris Standard CDs feature terms from three to 60 months. There’s an option for one-month and two-month CDs for balances of at least $100,000. Its CDs have tiered fixed rates based on term length and account balance, with a minimum $1,000 balance requirement. BMO Harris occasionally offers special CD rates for specific term lengths.

Add-On CDs. BMO Harris Add-On CDs allow customers to add more funds after opening a CD account. There’s only the option for a one-year CD term, which currently earns 0.30% APY. Add-On CDs only require a $1,000 minimum deposit.

With both CD options, there’s an early withdrawal fee of up to 545 days’ interest if you withdraw your CD balance before it reaches maturity.

Note: The above rates for Platinum Money Market accounts and Standard CDs only apply to accounts opened online and exclude residents in seven of the states with BMO Harris branches (Arizona, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin). Below are rates for both account types for residents in those seven states.

Distinguishing Features

Relationship benefits are a way for banks to offer loyalty perks for having multiple accounts. BMO Harris Premier Checking accounts come with the additional benefit of mortgage and home equity line of credit (HELOC) discounts.

Access on the Go

BMO Harris Bank offers consumers both in-person and digital banking solutions. There are over 500 local BMO Harris bank branches spread throughout the following states:

• Illinois
• Indiana
• Arizona
• Missouri
• Minnesota
• Kansas
• Florida
• Wisconsin

BMO Harris customers have access to over 40,000 fee-free ATMs, including BMO Harris ATMs and the Allpoint ATM Network.

For fans of banking on the go, BMO Harris digital banking provides customers with online and mobile account access almost anywhere in the world. Its mobile app is available for both iOS (rated 4.7 out of 5 at the App Store) and Android (rated 4.2 out of 5 on Google Play) and features helpful tools like:

• Mobile check deposits
• Mobile cash withdrawal at most BMO Harris ATMs
• Total Look account management
• Apple Pay and Zelle integration
• Bill pay

If online and mobile access isn’t your thing, there’s also a bank by phone option available to BMO Harris customers, which allows you to use your phone for a variety of banking tasks.

Pros

• Competitive rate on its money market account
• Multiple checking account options
• Large fee-free ATM network
• Decent rates on CDs for a brick-and-mortar bank
• No monthly fees or fees are waivable in most cases

Cons

• Low savings rate
• Local branches limited to eight states

How BMO Harris Bank Stacks Up

BMO Harris is a solid option if you’re looking for a full-service bank, especially if you happen to live in a state with local branches. BMO Harris is more competitive with its rates and offerings than several other big traditional banks. It also features online and digital tools that rival what’s offered by the top online banks. For example, its Mobile Cash feature allows you to withdraw money from BMO Harris ATMs without using a debit card.

But this national bank has some pitfalls when compared to many online institutions. While it provides more accounts and services than most online banks, only its money market account offers a competitive rate. If capitalizing on the best savings account rates is important to you, make sure to compare rates outside of BMO Harris Bank.

Overall, BMO Harris offers enough benefits, accounts and services to make it an attractive banking option for most consumers. It’s an especially good bank if you plan to take advantage of services beyond just bank accounts.

WASHINGTON — Consumer Financial Protection Bureau Director Richard Cordray praised BMO Harris Bank on Wednesday for becoming the first indirect auto lender to switch to a flat-fee structure, limiting the amount of discretion that dealers have to price finance loans.

The move reportedly came as a result of the CFPB's bulletin last year cash out refinance 30 year rates lenders they could be cited for unintentional discrimination if they partnered with lenders that marked up interest rates on loans to minorities and other protected legal classes of borrowers.

"It is encouraging to see BMO Harris taking this proactive step to protect consumers from discrimination," said CFPB Director Richard Cordray, in the release. "When people go to buy a car, they should not have to worry whether they'll pay more for their auto loan because of their race, gender, or ethnic background. The CFPB is committed to creating a fair marketplace for all consumers, and we recognize that many lenders share that commitment as well."

The move is significant because dealers and auto lenders have argued that moving to a flat-fee system would be worse for consumers. CFPB officials, in turn, have said they are not trying to force lenders to adopt a flat-fee structure, but want them to seek pricing alternatives.

Still, Cordray's statement make it clear that the agency is pleased with BMO Harris' move.

BMO Harris reportedly issued a notice last week saying it plans to pay auto dealers a flat percentage of the loan amount as compensation in response to the CFPB's bulletin. The notice was first reported.

in trade publication, F&I and Showroom,and later expanded on by Automotive News Wednesday that included comments from Cordray and were later released by the CFPB in an email blast.

The CFPB has promoted flat-fees as an option to eliminate potential risk in dealer discretion that could result in higher costs to certain borrowers. However, indirect auto lenders have argued that going to a flat-fee structure eliminates the borrower's ability to negotiate their rate at the dealership and would ultimately create higher costs to the borrower.

"Flat fees do not end the type of fair credit risk that the CFPB is trying to eliminate. As long as lenders offer different compensation amounts for originating the loan, a dealership will have the discretion to choose which finance source gets the customer's business," said Bailey Wood, senior director of legislative affairs and communications at the National Automobile Dealers Association. "This may solve BMO Harris' issue but it does not eliminate whatever fair credit risks may exist for the consumer."