BMO Harris BankReviews of bmoharris.com

Please consider other banks before choosing BMO for a mortgage. My father recently passed away, and he had a mortgage with BMO. That was six months ago, and I am still working to get the account in good standing. Since my father's passing, he was unable to make payments, and the account went into foreclosure. I was responsible for thousands of dollars in attorney and county fees because they filed for foreclosure, even though he was deceased and we provided a death certificate. Months later, they still call me, telling me that I need to bring the account current, even though I've paid $8,000 to the attorney and the county to resolve the foreclosure. Every time I call them, they ask me the same questions repeatedly, and I have to speak to multiple agents who can't assist me. On the most recent call, I asked how I can have access to the online portal, and they said that I need to call weekly until the foreclosure is cleared. If I didn't have the time or the $8,000 to resolve this, they would have happily foreclosed on the loan because there is a lot of equity in the property. I feel their process is unprofessional and certainly not honest, nor does it look out for the consumer of the loan. Having a mortgage with this company puts you at risk of all these headaches and potentially losing your home if you were to pass away, and your family had to navigate these challenges. Please stay away; find a local bank that will provide you with a mortgage. This company is so large; it seems like no one knows what anyone else is doing. I even went into the branch to ask for help and encountered the same issues. It is very disappointing and ridiculous that this is even permitted. This should be illegal.

Been with his bank since I was 16 years, I’m now 45. I had an issue where there was a bill payment that was paid to the wrong pay and it was  technical glitch on the end that the refused to take any responsibility for they sent request to Rogers to get a refund. Rogers didn’t respond. I asked them to deal with it. They kinda just left me high and dry and said not their problem so I sit like $500 in my account for something they could’ve easily reverted long before me waiting 60+ days and no resolve out the money and can’t use my bank account

Bmo allowed somebody to withdraw funds from my checking account which overdraw my account resulting in charges and penalties

I can't remember ever making a smooth transition when receiving a new BMO ATM/MC debit card, as a bank customer. The self activation process has almost never worked for us, even despite closely following THE bank's instructions. It's as if it's design to fail, and makes you phone the horrible overseas, virtually non English speaking contracted employees! I'm this close to just finally leaving this horrible bank after this kind of loyalty. So disappointing. No one knows sh** there!

As a business owner, I expected BMO Harris to make managing my accounts and credit card payments seamless and efficient. Unfortunately, the experience has been anything but. From poorly designed systems that make even basic tasks unnecessarily complicated to a lack of clarity in their processes, BMO Harris has made it incredibly difficult to conduct business. Trying to manage credit card payments is a nightmare; the platform is outdated, and customer service is unhelpful at best. Instead of offering solutions, their representatives seem to pass the buck or provide conflicting information. A business bank should prioritize ease of use and reliability, yet BMO Harris consistently fails on both counts. It’s as if they don’t understand or care about the time constraints that business owners face. The frustration of working with their clunky systems and inconsistent support has made me regret choosing them as a banking partner. If you're a business owner looking for a bank that understands your needs and values your time, I strongly recommend looking elsewhere. BMO Harris is simply not up to the task.

This company charges exorbitant interest rates. When I send my payment electronically through their app, it pends on my checking account immediately. It takes two days to clear my checking account and another 2 days to clear their bank and charges me interest at the daily rate (per diem) of $27.08. That adds up to $108.42 of extra interest they are able to capture by delaying the posting of my transaction. Not to mention the annoying and harrassing messages about my account being "late" even though supposedly my account can be 8 days past due and still not be "late" or incur "late" fees. This all speaks to the fact that they aren't overly concerned about capturing late fees because they are capturing extra interest on the principal balance that is not being paid while the transaction is pending. Talk about bank centric and deceptive banking practices...be very wary.

Worst bank ever! No communication and customer service is the worst ever. I was on hold for 45 minutes, and the agent was not fluent in English, which made it hard to resolve my issue. Finally, I had to ask for a resolution specialist to help. I paid off the loan after the first payment and was charged a late fee on the first payment for being one day past the grace period. I had no communication from the bank regarding the account number, address, etc. I had to track it down myself. Never again!

Avoid this bank at all costs! As others have said do not deposit large check amounts because they will red flag it for absolutely no reason. I even showed them that I received the money from a settlement so that they’d know it was definitely legit. They won’t tell me anything, just that my account is under review and it could take up to 90 days. They definitely lost me after I finally get my account unfrozed