BMO Harris BankReviews of bmoharris.com

Stuff on a shingle. Do not go here! I went in because I have a Tesla car loan with them for three years, which has been fine. I needed a new checking account so I could distribute funds from an IRS tax refund from a trust amongst my siblings. I presented the check from the US Treasury made out to the trust and asked, since I already had a relationship with BMO, if we could try opening a checking account for the trust to distribute these funds. The man at his desk, a very personable and nice guy, said yes, we can do that for you: open a checking account. I provided all the requested paperwork for their legal team, which was approved after a day. Great. The account was opened, they deposited the check from the US Treasury, and handed me the usual sheet of three starter checks. After a couple of days, I wrote the checks and sent them out. Then, eight days later, I arrived home in the evening and found in the mail a notice from BMO. They declared that they were putting a hold on all checks on this account because they say they do this for 30 days on all new accounts. This was the first I'd heard of this! The checks are already written, sent, and being deposited. I have let them know that my lawyers will be in touch. I will demand full reimbursement for all fees and expenses, including attorney's fees. This place is terrible. GTFO ASAP. -- And now an update -- It turns out that the BMO staff who said literally that there was nothing they could do, no one to call, excuses for their shrugging, then decided to close my account and send the funds (they claim) back to the IRS. I have no access to the account information. They won't re-enable my web account access. I can not see any transactions to back up what they have said. I requested documentation of what they said they did and ... crickets. WTF. Do I call the Attorney General? Help!

HORRIBLE! Hours on the phone only to be disconnected and provided inconsistent information. I was told I HAD to close my account due to fraud concerns but could open a replacement account via phone. Then was told that my husband had to be on the phone too. He drove home hours to participate and we spent hours verifying information and were told the account would be active (e.g. to reinstate autobill payments) 48 hours after our receipt of confirmation emails. Emails never came. More hours on the phone only to be told that we need to drive the 3 hours to the nearest branch to open a new account and that the different departments can't be expected to know or track what's been shared or promised by other departments. Still on hold while I'm typing. I will drive the 3 hours and will gift cheap champagne so they can celebrate my move to a different bank.

I explained in branch that there were questionable charges in my account months ago. Nothing was done. now today when i need to get ga they had to cancel it because yet another fraudulent charge went through and this time they have no choice but to cut the card. Although it worked just fine to do my deposit... the slogan in keep you safe but all they do is keep me insane. Avoid at all costs.

I am managing an account for an elderly relative and it's one nightmare after the other. If they can't help you on the phone, you are 'accidentally' disconnected. They say they will call you back, and they never did. I cannot wait to be done with this company. DO NOT USE THEM.

Just adding to the array of dissatisfaction with this terrible bank. Called 5 local banks this morning and not one answers their phone. I'm done with these guys. Who is running this company? They have their head up their ass.

This bank sucks, they have the worst mobile application, it just won't take check deposits, always says that the information is inaccurate. In addition, if you manage to get the deposit through, they will hold your deposit for 7 business days, I closed my personal and business accounts! Their customer service is non existent.

Deeply Disappointed by BMO’s Discriminatory Practices I recently opened an account with BMO and almost immediately regretted it. Not even 24 hours had passed before my account was flagged, locked, and I was effectively labeled a scammer — for no reason other than, it seems, my Nigerian last name. For the record, I was born in Tulsa, Oklahoma. When I called to speak with a supervisor for an explanation, I was met with vague responses and obvious discomfort. He couldn’t give me a clear reason, and instead began stumbling over his words. At that point, I made the decision to walk away. I told him to keep the account locked — I no longer wanted to do business with a company that demonstrates such blatant bias and disrespect. The experience was degrading and humiliating. It’s deeply troubling that in 2025, a major financial institution would rather jump to conclusions based on someone’s name or ethnicity than treat them with basic fairness and dignity. BMO, you need to do better. I read concerning reviews before signing up and hoped they weren’t true. Unfortunately, what I experienced was worse than what others had warned about. No wonder your parking lot is empty. Good day.

Hi ,I got Complicated Account Opening: From the start, the process wasn’t smooth. Long-term Dissatisfaction. I maintained the account for over 1.5 years despite being unhappy. Difficult Withdrawal & Closure Process,they were given the runaround with constant demands for documents (declaration forms, notary signatures, etc.). Repeated Communication Failures: Long call durations, dropped calls, and conflicting information. Spending Time & Money Unnecessarily.I paid for notary services $ 100 and spent a lot of personal time with no resolution. Please I request to all Canadians do not open an account with BMO Haris account otherwise you will suffer