BMO Harris Bank Checking Accounts

BMO Harris offered a bonus for opening an account and making direct deposits. I tried opening an account online, but it did not work. I called their support. They were unable to help, but I tried again while on the line and the application went through. After an exchange of emails, and no progress, I called support again. This time the hurdle was overcome and the account was opened and funded. I called support a third time to verify my eligibility for the promotion. After being handed off to 3 people, I was informed that the new account was not eligible because a promotion code was not supplied during the application process. Yet, no promotion code was provided to me either online, through email or over the phone. Support could not help me further over the phone because they could not verify my identity through the normal text, SSN, birthdate route. Instead, they tried to verify me through a database that asked questions about cars and addresses from 30 years ago, that I could not remember.

At last, I went into my local branch. There I received excellent service. The personal banker added the promotion code - no fuss, no muss. So, my advise is to open a BMO Harris account in person and not online or over the phone.

Worst Bank Ever!! Please choose a different bank. I think the only people that would benefit from a BMO account are rich people. Not a bank for the middle class common person. There overdraft fees are insanely high and you can only use your overdraft protection if they say it's ok to. What?! In a time we're a lot of people are struggling that is unacceptable. If I have to overdraft my account for gas until payday that week that should not be an issue especially because I have direct deposit. I will be closing my account ASAP.

I was very impressed with the professional way I was served by BMO in Cary. Great atmosphere and prompt courteous service. They handled my concerns with great care. My problems were handled and I was very impressed with the whole experience

I wasted 1h30min of my life over the phone trying to open an account.....and failed! I talked to some 'banker' Alan Ryan from Chicago who 'couldn't verify' me after I spent a lot of time and provided the bank with my personal info, and he was very happy about that. I called back and they told me they can start the verification process over, but after being on hold, they said no. Total mess and waste of time. Nobody is professional either.

After having my account for more than a few years, even having several things set up for direct billing, two days ago I get woke up at 7:30 am by an automated message that sounded sketchy so I hang up and call the number on my card to see what it happening. Someone on their part decided that regular things that I routinely had been paying for and authorized to be paying for were all of a sudden suspish. They put me through an item by item accounting of what I spent on what and what for like I did something wrong. Look, I'm not some kid being loose with mommy's money. I'm a grown woman. I didn't drop my account into the negative either. This was my phone bill (active for several years) they flagged. This was books I bought on Amazon. This a curler set I bought at a walgreens where I take my disabled son in law to get his prescriptions filled. This was gas at a gas station I sometimes stop at. This was subscription for $4.85 to a game I signed up for 6 mos ago. I asked why all of a sudden I need to give an accounting of my spending? They can't give me an answer. But all of a sudden, I now have to call them to tell them when I am going to be spending MY money?
WHAT IS GOING ON BMO?

Stay away from this bank!! I just opened a new checking and savings account and have had nothing but problems. First thing is that they never sent me a debit card automatically once the account was opened and funded, I had to request one which is ridiculous. Next thing is that setup a external transfer from my Chase account to my bmo account to transfer funds so I can close my chase account. Bmo put a hold on that transfer. So I called them and I was informed by Nicole from online banking that that the hold is there because I didn’t verify my phone number!! Yep that’s right!! She proceeds to tell me that a manager will remove the hold within 24 hours and guess what? It’s more than 24 hours and the hold is still not removed!! Oh and now every time that I login, I have to have a code texted to me to verify my identity. I took my business elsewhere and have already received my new debit card from u.s. bank. I opened my account with u.s bank after I opened my accounts with bmo Harris and I already have my debit card from u.s. bank. Unbelievable!! Stay away!!

Their overdraft protection program is a fraudulent program used to steal the customers money I don’t recommend or advise anybody to use the program they will take your money and tell you they can’t do nothing about it

Personal banker gave bad advice. She (Galia Heller) said to keep my account open during a fraud investigation. Well, more charges hit and now I have to go through more disputes. She filled out the form wrong the first time. She admitted it and I drove an hour to do it again. After 45 minutes she 'lost' her work and we had to start again, she rushed through it and produced an incorrect paper again !!! it was nearing noon and she was more interested in going to lunch, so took a bad attitude and rushed me out saying, "this is all I can do". Her personal bad advice and incorrect filing has cost me over $5,000 ! When I call the Fraud department I get a run around. They 'conducted' an investigation in less than 1 day on over 13 charges based on her submission but will not tell me how they conducted an investigation when I did not sign off of any information since it was all incorrect. DO NOT PUT YOUR MONEY HERE !!! Calling merchants myself restored some money since it was very clear I did not make the charges. Her advice to keep the account open has resulted in a whole slew of new internet charges from over seas !! Bad banker with limited communication skills. Bonita Beach, FL branch the absolute WORST I have dealt with in 35 years of banking.

PLEASE IF YOU SEE THIS DO NOT BANK WITH THIS BANK IT IS THE WORSE BANK YOU CAN HAVE THEY PUT HOLDS ON YOUR MONEY AND WHEN YOU GO IN THE BANK YOU CANT TRUST THE TELLER BECAUSE THEY WILL JUST LIE. WHEN YOU SPEAK TO CUSTOMR SERVICE THEY WONT REALEASE YOUR MONEY LIKE THEY CLAIM THEY WILL I STRONGLY FEEL THIS BANK IS GOING UNDER ......OVERDRAFT FEES MAKE NO SENSE ITS FUNNY WHEN I DEPOSITED 3500 DOLLAR CHECK IT WENT THROUGH BUT 422 DOLLARS WILL BE PUT ON HOLD DOESNT MAKE SENSE PLEASE I URGE YOU SWITCH YOUR BANK TO ANYONE BUT THIS ONE MY ACCOUNT HAS BEEN AROUND SINCE 2016 AND THEY STILL WILL MESS UP EVERY TRANSACTION UNLESS ITS CASH... RUN FOR YOUR LIFE WHEN YOU THINK BMO IS A GOOD BAN. THEY DONT HAVE YOUR BEST INTRESTED AND THE MESSED UP PART MY COUSIN WAS A MANAGER FOR BMO AND SHE HAD TO QUIT BECAUSE THEY WAS DOING ALOT OF THINGS SHE DIDNT AGREE WITH TO CUSTOMERS AND I HAVE WORK FOR BANKS BEFORE AND YES THEY CAN RELEASE YOUR FUNDS THEY JUST DONT WANT TO

Worst experience, compared to any Bank, in my life. There was no minimum balance requirement, nor have I ever heard of any minimum activity per 2 months kinda requirement and they terminated my account for no activity after just a couple of months without even giving me any kind of notification or warning. Went to made a deposit and got to know about this, asked me to contact support and support asked me to go back to branch. What a joke!!