BMO Harris Bank Checking Accounts

If I could rate BMO Harris Bank negative stars, they’d have it. Do NOT open a BMO Harris account, their customer service is horrible. I’ve been trying to close my checking account for two months and was informed yesterday it never actually closes completely.

Tengo una cuenta joint con mi hija hace 13 años tengo 66 años mi hija deposito cheques en su cuenta sin fondos, BMO me cerró mi cuenta y se quedo con mis 1,200 dls que yo tenia en mi cuenta ojo ? si tienen joint account el banco me dijo que como ella estaba en mi cuenta el dinero mío era de ellos y para que le dieron el dinero de 2 cheques y no averiguaron bien primero yo no tengo nada que ver con su cuenta ella solo es mi payee de mi cuenta no es su dinero y el banco me dejo sin nada Thank you BMO God Bless You

Beware of BMO offers for opening accounts. They misrepresent themselves and try not to give the money. I opened a personal checking account with them which i was supposed to get $350 to open a premier checking account. 1) I opened an account online and attached the promo code. Then when i talked to Sergio at the branch, he said that its better if i come in and they close that account and open a new one supposedly so that he can make sure the promo got linked. Well apparently when you close an account and open a new one it VOIDS the code. 2) I was instructed to make deposits into the account as a transfer. I did the required amount and I verified with Sergio again that they qualified as they came from a different bank. I was later told by BMO 90 days later that they did not qualify as they were not listed as "direct deposit" If I was told this in advance, I could have had my payroll go my account there.
When I tried to address this with Joe the manager at the branch as well as Christopher in the marketing department (aggressive), they told me they couldn't do anything about it and basically discounted my endless handholding this opening of the account to make sure I complied. Also after numerous calls to the branch, being a new and devoted customer, depositing $40,000 in few accounts, apparently that means nothing to them nor did they give me any reason and attempt to keep me. I cannot work with an institution that is not straight forward. Apparently I am not the only one as their reviews on multiple platforms are very low. I will be closing all my accounts.

Erroneous fees charged to my account, hidden by misspelled address on mailed statement that didn't match account info. It took numerous tries to connect with human by phone (eventually got rep in Manila who immediately put me back on hold until someone in the US picked up) only to discover problem is known issue with their online banking App. Oops. After performing work around to get into account, I discover a dozen monthly service fees. After numerous tries to get back in touch with them by phone, and 20 minutes on hold, I get transferred to service rep in Manila again who has no access to account and again puts me back on hold. After 20 more minutes I reached someone in USA who also has no access to see account. Simpler and less costly to just write off fees and close account.

I was a Harris customer for decades, long before BMO. Not any more. Customer service line is worthless, debit card is unreliable.

I do not trust this bank. Individual bankers have "miscounted" cash deposits leaving hundreds unaccounted for only to find out when I return frustrated. Then yesterday, right before a large sum of money was going to get deposited into my checking account, I found my account closed. Now, I'll be switching from a high interest car loan at bmo to a low interest loan at my primary bank. On top of all that, customer service here sucks and it is impossible to find a phone number for a specific branch online. If you like to trust the institution responsible for keeping your money safe and accessible, bank elsewhere.

Absolutely horrible customer service! Offered a bonus for opening and funding an account, with the expected bonus paid after 4 months. A couple of days before the expiration date they told me my deposits weren’t “qualifying”. Several times in the previous months when calling in for other complaints the reps told me I was on track to earn the bonus. Turns out, in another unseen downloaded page it stated I needed to have done direct deposit. During a pandemic, the paperwork for amending direct deposits would have been very difficult! Absolutely no willingness to do the right thing by honoring their commitments.