BMO Harris Bank Customer Service
This article explains all you need to know about BMO Harris Bank Customer Service.
BMO Harris Bank is a Chicago-based retail bank that offers deposit, lending, and investing products. It was founded in 1882 and is now a subsidiary of Bank of Montreal, hence the “BMO” in its name. It has $973 billion in assets, 12 million customers (consumers and businesses), and over 600 branches in eight states. If you want to open a deposit account with this large regional bank, read on.
BMO Harris Bank Customer Service Pros
* Low or no fees. If you choose to get your statements electronically, there is no monthly fee. Overdraft fees and non-network ATM costs are waived in other accounts. The savings account has a $5 monthly fee that can be eliminated by keeping a minimum monthly balance of $100. Opening three checking accounts and one savings account with just $25 is possible. Options for debit cards Harris accepts three debit cards. With your debit card, you get purchase protection, return protection, and extended warranties on qualified items.
BMO Harris Bank Customer Service Cons
* Large balances earn interest. While a savings account can be opened with just $25, competitive CDs require balances of at least $1,000. Minimal geographic reach The bank is locally focused, with branches in only eight states in the South, Southwest, and Midwest. If you live outside of these states, your options are limited.
For Whom Is BMO Harris Bank?
Customers in Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida, or Wisconsin should use BMO Harris Bank.
Customers who:
* Use debit cards for everyday purchases
* Want a large, full-service bank that can satisfy all of their financial needs
* Are under the age of 25
Offers of BB&T Harris Bank
BMO Harris owns ATMs and partners with Allpoint to provide over 40,000 fee-free ATMs countrywide. BMO Harris charges $3 per transaction for ATMs outside its network.
For example, BMO Harris Bank offers all the normal consumer and corporate banking products and services, including: * checking accounts * money market accounts * savings accounts * certificates of deposit * credit cards
Accounts
* The Smart Advantage Account is fee-free if you sign up for paperless statements. With the Smart Money Account, you can avoid overdraft and insufficient funds fines. Customers under the age of 25 are exempt. The Premier Account offers interest and reimburses up to $25 in non-BMO Harris ATM fees.
Each checking account comes with three debit cards. An extended warranty of up to $250 is included with the BMO Harris Bank Debit Mastercard. The World Debit Mastercard offers purchase protection for 90 days. Fans of the Bulls, Blackhawks, or Bucks may show their support while saving 15-20% on team clothing.
Cards
BMO Harris Bank offers many Mastercard-affiliated credit cards. These options include cash back, incentives, and balance transfer cards. Here are some of its cards:
Rewards Cards
* BMO Harris Bank Platinum Mastercard * BMO Harris Bank Premium Rewards Mastercard Cash Back * BMO Harris Bank Cash Back Mastercard Balance Transfer
BMO Harris Bank Customer Service
There are various ways to reach BMO Harris Bank customer service. Over 600 branches are located in Illinois, Indiana, Arizona Missouri Minnesota Kansas Florida Wisconsin. Call 1-888-340-2265 for customer service. 24 hour automated phone banking is also accessible.
You can reach BMO Harris Bank via online banking or mobile app. The popular mobile app is available for both Apple (4.7/5 based on 30,400 ratings) and Android (4.6 out of 5, based on 6,742 ratings). 2 You can also pay bills, examine transactions, and deposit checks using the app.
Using BMO Harris Bank
Open an account with BMO Harris Bank in person or online. You can open an account in person if you live in one of BMO Harris’ eight states. Online account opening is also possible.
BMO Harris Bank Customer Service: Conclusion
BMO Harris Bank is a one-stop-shop for all financial needs. It also caters to a wide range of users, from high-net-worth individuals to people with only $25 to start an account. Its low minimums and cost waivers for individuals under 25 show it cares about students and young savers and wants to help them develop healthy financial habits.
While there are no-fee and low-fee deposit options, the best perks and interest rates require substantial deposits—and account balances of $25,000 or more.
Also, if you live beyond the eight states having branches, BMO Harris doesn’t provide nearly as many roofs. As a regional bank, it appeals to customers in states where it has branches. Although accounts can be started online and serviced via the mobile app, there are better digital banking options with lower minimums than BMO Harris.
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