BMO Harris BankReviews of bmoharris.com

I rarely write reviews, but my experience with BMO Harris Bank has been consistently frustrating. I signed up for online banking about a year ago specifically because I’m not able to visit a branch easily. However, if I don’t log in for a short period, my access keeps getting revoked. Every time I try to regain access, it turns into a long, repetitive process with customer service. At one time, one representative reinstated my id, I logged in and in 5 mins I got logged out again automatically and when I re-attempted to login in, I could not. I called their customer service again and despite providing my account number, business account name and SSN , and all requested information, I’m repeatedly told they “can’t verify” me. I then get transferred between multiple representatives, asked the same questions over and over, and ultimately told to visit a branch in person—which defeats the entire purpose of having digital banking. This has wasted a significant amount of my time and made basic account access unnecessarily difficult. Reliable online banking should be accessible and efficient, not a constant hurdle. Based on my experience, I would strongly caution others before relying on BMO Harris for digital banking.

This bank violates Federal regulation CC. Ive had an account with them for two weeks and there will not be a third. Ive done two check deposits and received my money a week later, no funds whatsoever did I get while waiting for my deposit. I also connected another bank card to this account and tried to transfer my money from one card to the next, that also took 5 days for that to happen. So im done with BMO Bank.

They've been great for several years, up until the last few months. Their fraud protection systems must be 100% AI driven, because they spontaneously decide whether or not it was YOU making a purchase from Amazon or the PS store, or if it was a suspicious entity. Then they disable your card without warning, at which point you gotta call and wait for an hour to get ahold of some off-shore employee, who explains to you that, "Yes, our systems found a purchase from a suspicious website", even though it's the SAME DAMN BUSINESSES that you make purchases from on a regular basis. I even called in to have them "allow" a purchase from Amazon, only to find two hours later that it wasn't "allowed", and had my card suspended ENTIRELY. And they gave NO notification; didn't even see a message on the mobile app. Seriously, people: thanks for the "thought" (not how sure how much of that is going on, since you're probably relying on AI for this crap performance), but if I CAN'T GET FOOD because of the overzealous practice of your security measures, then why am I still banking with you? I'm ready to move on from this place if they don't correct it soon.

The customer line is the worst I have ever had. 4 times today I tried to set up my debit card so I could just call and check my balance. No american speaking people. And they want to argue about what the branch said or did. Customer service does not have the same info your local branch does. I wont be staying with this bank very long. It's ridiculous Customer service.

I hadn't banked online since before Covid, because I depended on public-access wi-fi and only have a landline, so I couldn't use phone verification. Finally learned how to get around that, then someone sent me a Zelle payment. To use Zelle from BMO, you have to go through "pay and transfer" which BMO doesn't let me use because I don't have a MOBILE number in my profile, even though Zelle will happily accept an email alone. Customer service can't do anything. Can't figure out how to take it to a higher level. Can't even leave feedback, because their "feedback" button isn't even a link (dead or alive).

My car loan was due to be paid off. I owed less than what my monthly payment is. They were just going to keep withdrawing money if we didn't stop it. You had to call india and jump thru 10 hoops to get them to stop with drawing from my account. They don't provide a way to provide feedback

Purchased a new boat from bass pro - one of the biggest mistakes in my life….. BMO is the company that I have the loan with for the boat. They are using predatory and shady practices and their loans are a scam. $72000 boat will cost me almost $200000 after 20 years of payment and to make things worse: you cannot request a payment breakdown on their app or website; they collect interest first and in almost 2 years of payment my loan went down by measly $1000 There needs to be a class action lawsuit against this company and they are really shouldn’t be in business.

I purchased a vehicle from a dealership and the loan ended up going through BMO bank. When I traded this vehicle in for a new one the new dealership contacted BMO for the payoff amount. The dealership had tracking on the check and the check arrived 5 days prior to my payment due date. I canceled my auto pay because I didn't want to pay my payment and that would throw off the payoff amount that was communicated between the bank and the dealership. When I called BMO they told me it could take up to 7 days to process the check even though it was in their possession. I told them that my payment was due in 5 days and I didn't want to risk any possible credit hit by them not processing the check. They went back and forth between departments and finally confirmed that they would handle it. Of course they did not and not only did they not process it in time they miscommunicated the payoff amount to the dealership so the check was $107 short. Now I have a ding on my credit and I had to go back to the dealership to get the additional $107. I will never ever have an auto loan through these guys again and I will make sure I tell everybody that I possibly can to avoid them at all costs.