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BMO Harris Reviews: Honest and Unbiased

BMO Harris bank

BMO Harris: Choosing the right bank is an important decision. Banking institutions play a crucial role in managing your finances, so it’s essential to select one that meets your needs and expectations. BMO Harris Bank is a well-known financial institution in the United States, but before entrusting them with your money, it’s essential to read honest and unsponsored reviews to make an informed decision.

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An Overview

BMO Harris Bank, a subsidiary of the Bank of Montreal (BMO), is a prominent player in the American banking industry. Established in 1882, the bank has a rich history and has grown to have a significant presence in several states. With its wide range of financial products and services, BMO Harris Bank serves both individual customers and businesses.

BMO Harris bank

The Importance of Honest and Unsponsored Reviews

When researching a bank, it’s common to come across various reviews and testimonials online. However, many of these reviews can be sponsored or biased, making it challenging to gauge the true customer experience. To make an informed decision, it’s essential to seek out reviews that are honest and unbiased. These reviews are typically written by real customers who have no vested interest in promoting the bank’s services.

Pros of BMO Harris Bank

  1. Extensive Branch Network: BMO Harris Bank boasts a significant presence in several states, with numerous branches and ATMs. This extensive network makes it convenient for customers to access their accounts, speak with a representative, or withdraw cash without incurring additional fees.
  2. Diverse Financial Products: BMO Harris offers a wide range of financial products, including savings and checking accounts, loans, credit cards, and investment services. This diversity allows customers to find solutions that match their financial goals.
  3. Mobile Banking: The bank has invested in a user-friendly mobile banking app, providing customers with a convenient and secure way to manage their accounts. Features like mobile check deposit and account alerts make banking on the go a breeze.
  4. Customer Service: Many reviews highlight the bank’s excellent customer service. Representatives are often praised for their professionalism, knowledge, and willingness to assist customers.
  5. Online Banking: BMO Harris Bank offers robust online banking services, including bill pay, money transfers, and the ability to set up automatic payments. This can save customers time and effort when managing their finances.


  1. Fees: Some customers have raised concerns about the fees associated with certain BMO Harris accounts. While many banks charge fees, some customers have found that the fees at BMO Harris are slightly higher than expected.
  2. Interest Rates: BMO Harris Bank’s interest rates on savings accounts have been criticized for not being as competitive as those offered by some online-only banks. This means that customers looking for high-yield savings may need to explore other options.
  3. Account Minimums: The bank has minimum balance requirements for some of its accounts. Customers who do not maintain the required minimum balance may incur fees.
  4. Limited Geographic Reach: BMO Harris Bank’s branch network is concentrated in the Midwest and some select states. This can be limiting for customers who prefer a bank with a more extensive national presence.

In the quest for an honest and unsponsored evaluation of BMO Harris Bank, it’s clear that the bank has both positive and negative aspects. With a strong branch network, diverse financial products, and excellent customer service, it caters to a wide range of customer needs. However, the higher fees and less competitive interest rates may not align with everyone’s financial goals.

The key takeaway is that your banking experience with BMO Harris Bank will depend on your individual needs and priorities. Reading honest and unsponsored reviews, conducting research, and, if possible, talking to current customers can provide valuable insights to help you make the right decision for your financial future. Ultimately, the best bank for you will be the one that meets your unique financial goals and preferences.



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