BMO Harris Bank

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.

Very nice to work with. Convenient location.
I can add extra to my monthly payment which then goes to principal. Activity easily accessible.

I’ve been a long time card holder of diners club, always on time always a very good customer. I miss one payment because I’m laid out in bed with COVID and they don’t care. I called someone to make an inquiry on how to fix it and they cared even less. It’s a shame I always really liked the bank but since they’ve been bought by BMO it’s all business no customer service. They hire the cheapest, poorest speaking operators for their call center and it reflects on the bank name. I would not recommend anyone to get this card with such poor customer service to such great customers as myself.

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?

Terrible service and miscommunication. I enrolled in autopay so that I don't have to worry about manually paying every month. Huge mistake. No one I've talked to seems to be able to understand why my payment still hasn't gone through, a week after the payment was due! You send a message through their portal, and good luck getting a response. You call them and the wait is long to speak to anyone. The option to call you back - well, that doesn't seem to work at all! I've done this at least 7 times in the past week, and never, have I received a call back. This place is terrible to have a car loan through! Paying manually is obviously the better option, and I wish I had just stuck with that.

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

Worst customer service ever. Keep getting hangued up on the phone because they don't know how to fix something on my account. They cannot receive a payment or anything.