BMO Bank National Association
For information concerning Bank of Montreal Harris online bank, please click here .
Phone: 888 340 2265
ACH Number: 07102566
SWIFT Code: HATRUS44XXX
BMO Bank National Association is an FDIC insured institution headquartered at
320 S Canal St, Chicago, IL 60606.
It was founded in
1947 and has approximately $254 billion in assets. Customers can open an account at one of its 630 branches.
It was founded in 1947 and has approximately $254 billion in assets. Customers can open an account at one of its 630 branches.
Deposit Rates - December 24, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.01% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.05% | $1,000 | Compare |
|
12 Mo CD
|
1.00% | $1,000 | Compare |
|
13 Mo CD
|
2.75% | $1,000 | Compare |
|
18 Mo CD
|
1.00% | $1,000 | Compare |
|
24 Mo CD
|
1.00% | $1,000 | Compare |
|
25 Mo CD
|
2.00% | $1,000 | Compare |
|
30 Mo CD
|
1.00% | $1,000 | Compare |
|
35 Mo CD
|
2.00% | $1,000 | Compare |
|
36 Mo CD
|
1.00% | $1,000 | Compare |
|
45 Mo CD
|
2.10% | $1,000 | Compare |
|
48 Mo CD
|
1.00% | $1,000 | Compare |
|
59 Mo CD
|
2.25% | $1,000 | Compare |
|
60 Mo CD
|
1.00% | $1,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.35% | $5,000 | Compare |
|
Money Market
|
0.75% | $25,000 | Compare |
|
Money Market
|
1.81% | $100,000 | Compare |
|
Money Market
|
2.53% | $250,000 | Compare |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
VIRA
|
0.03% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.01% | $0 |
Featured Home Equity Rates
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After Intro:6.240 %
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Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
$15,000 -
Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
$15,000 -
Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months
$25,000 -
Intro APR: 8.500 %
After Intro:8.500 %
$25,000 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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Sponsored
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Pentagon Federal Credit Union
NMLS ID: 4018220.000% $0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees -
Reliant Home Funding, Inc.
NMLS ID: 2924735.850% $1,868 Fees & Points $3,489 Total
0.467 Pts ($1,494)
$1,995 Fees -
PenFed Credit Union
NMLS ID: 4018226.163% $1,919 Fees & Points $5,600 Total
0.750 Pts ($2,400)
$3,200 Fees -
Quicken Loans
NMLS ID: 167283Fees & Points Total
Pts ($0)
$0 Fees -
Rocket Mortgage
NMLS ID: 3030Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 16571 |
| Date Established | 1947 |
| Assets | $ 253.74 billion |
| Loans | $ 140.00 billion |
| Deposits | $ 199.27 billion |
| Capital | $ 36.19 billion |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 23.82 billion |
| Interest-bearing balances | $ 21.14 billion |
| Total securities | $ 63.21 billion |
| Federal funds sold and reverse repurchase | $ 51.88 million |
| Net loans and leases | $ 140.00 billion |
| Loan loss allowance | $ 2.32 billion |
| Trading account assets | $ 203.94 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 33.80 million |
| Goodwill and other intangibles | $ 12.85 billion |
| All other assets | $ 7.02 billion |
| Total Assets | $ 217.55 billion |
| LIABILITIES | |
| Total deposits | $ 199.27 billion |
| Interest-bearing deposits | $ 155.22 billion |
| Deposits held in domestic offices | $ 199.27 billion |
| % insured (estimated)" | 49.93% |
| Federal funds purchased and repurchase agreements | $ 749.11 million |
| Trading liabilities | $ 163.35 million |
| Other borrowed funds | $ 11.31 billion |
| Subordinated debt | $ 500.00 million |
| All other liabilities | $ 2.27 billionn |
| Total Liabilities | $ 217.55 billion |
| Shareholders’ Equity | $ 36.19 billion |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 6.25 billion |
| Total Interest Expense | $ 2.65 billion |
| Net interest income | $ 3.60 billion |
| Provision for loan and lease losses | $ 402.90 million |
| Total non interest income | $ 786.60 million |
| Total non interest expense | $ 2.50 billion |
| Pre-tax Net Operating Income | $ 1,103.99 million |
Customer Reviews for BMO Bank National Association (3)
Rated 1.00 stars out of 5 - based on 3 reviews
Branches
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BMO Bank National Association Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.01%0.04x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
0.01%Annual
InterestAnnual Interest
(After Tax)1 50,000 5 4 2 50,005 5 4 3 50,010 5 4 4 50,015 5 4 5 50,020 5 4 6 50,025 5 4 7 50,030 5 4 8 50,035 5 4 9 50,040 5 4 10 50,045 5 4 11 50,050 5 4 12 50,055 5 4 13 50,060 5 4 14 50,065 5 4 15 50,070 5 4 16 50,075 5 4 17 50,080 5 4 18 50,085 5 4 19 50,090 5 4 20 50,095 5 4 TOTAL $100 $70 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.67x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
J Tremain
February 22, 2024 |
They gave me the new, lower CD rate even though I had opened the account online when the CD rate was 0.15% higher. I checked with Wells and they had even initiated the transfer before they lowered the rate. I called CSR and the rep who seemed to be in Mississippi said "it goes both ways, you understand." Just trying to get my money back from these folks now. Don't ever do business with BMO Alto.
Jen Y
April 1, 2023 |
Terrible! Their bill pay does not always pay on time. I set payments for a certain date and they did not arrive on the “guaranteed” arrival date. We ended up with late fees for our credit card not once but twice! Their resolution department promised to cover the fees, but never did. They instead made excuses as to why the bill was not paid in time. I’ve pulled my money from this account and will tell everyone I know about my experience.
ChicagoFinancials
January 20, 2023 |
Terrible, their website does not work, they advertise rates that they will not actually give you. Keep in mind I have banked here my entire life. Never wanted to go to a larger bank, but maybe they won't have me feeling like I am being scammed.