BMO Harris Bank National Association

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BMO Harris Bank National Association ACH Number: 07102566

BMO Harris Bank National Association is an FDIC insured institution headquartered at 111 W Monroe St, Chicago, IL 60603.
It was founded in 1947 and has approximately $163 billion in assets. Customers can open an account at one of its 630 branches.

Deposit Rates - March 30, 2023

SAVINGS RATES APY MIN
CD RATES APY MIN
6 Mo CD
0.05% $1,000 Compare
6 Mo CD
0.30% $100,000 Compare
MM RATES APY MIN
Money Market
0.50% $100,000 Compare
Money Market
1.00% $250,000 Compare
FIXED IRA RATES APY MIN
Special: 11 Mo FIRA
0.70% $5,000
Special: 25 Mo FIRA
0.80% $5,000
Special: 55 Mo FIRA
1.00% $5,000
INT CHECKING RATES APY MIN
Int Ckg
0.01% $2,500

Overview 2023

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16571
Date Established 1947
Assets $ 163.20 billion
Loans $ 99.00 billion
Deposits $ 136.30 billion
Capital $ 14.45 billion

Summary Balance Sheet as of September 30, 2022

ASSETS
Cash & Balances due from depository institutions $ 10.78 billion
Interest-bearing balances $ 9.50 billion
Total securities $ 43.00 billion
Federal funds sold and reverse repurchase $ 123.94 million
Net loans and leases $ 99.00 billion
Loan loss allowance $ 836.55 million
Trading account assets $ 45.75 million
Bank premises and fixed assets N.A.
Other real estate owned $ 5.23 million
Goodwill and other intangibles $ 3.15 billion
All other assets $ 7.02 billion
     Total Assets $ 150.37 billion

LIABILITIES
Total deposits $ 136.30 billion
      Interest-bearing deposits $ 97.09 billion
      Deposits held in domestic offices $ 136.30 billion
      % insured (estimated) 38.48%
Federal funds purchased and repurchase agreements $ 273.86 million
Trading liabilities $ 159.35 million
Other borrowed funds $ 11.31 billion
Subordinated debt $ 500.00 million
All other liabilities $ 2.27 billionn
      Total Liabilities $ 150.37 billion
      Shareholders’ Equity $ 12.84 billion

Summary Income Statement as of September 30, 2022

INCOME AND EXPENSES
Total Interest Income $ 3.43 billion
Total Interest Expense $ 509.00 million
Net interest income $ 2.92 billion
Provision for loan and lease losses N.A.
Total non interest income $ 863.05 million
Total non interest expense $ 2.25 billion
Pre-tax Net Operating Income $ 1,103.99 million

Customer Reviews for BMO Harris Bank National Association (1)

Rated 1.00 stars out of 5 - based on 1 reviews
  • 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.


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Branches

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BMO Harris 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.

  • 1
    LOCAL CD
    Bank
    ILLINOIS
    $50,000
    6 Month
    0.05%
    0.17x (National Avg. - 0.29%)
    $1,000
    -
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL CD
    Online Bank
    -
    $50,000
    60 Month
    4.10%
    5.06x (National Avg. - 0.81%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178
  • 3
    LOCAL CD
    Online Bank
    -
    $50,000
    24 Month
    4.30%
    7.75x (National Avg. - 0.56%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.30%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,150 1,505
    2 52,150 2,242 1,570
    3 54,392 2,339 1,637
    4 56,731 2,439 1,708
    5 59,171 2,544 1,781
    6 61,715 2,654 1,858
    7 64,369 2,768 1,938
    8 67,137 2,887 2,021
    9 70,024 3,011 2,108
    10 73,035 3,140 2,198
    11 76,175 3,276 2,293
    12 79,451 3,416 2,391
    13 82,867 3,563 2,494
    14 86,430 3,717 2,602
    15 90,147 3,876 2,713
    16 94,023 4,043 2,830
    17 98,066 4,217 2,952
    18 102,283 4,398 3,079
    19 106,681 4,587 3,211
    20 111,268 4,785 3,349
    TOTAL $66,053 $46,237
  • 4
    LOCAL CD
    Online Bank
    -
    $50,000
    12 Month
    4.50%
    10.23x (National Avg. - 0.44%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.50%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,250 1,575
    2 52,250 2,351 1,646
    3 54,601 2,457 1,720
    4 57,058 2,568 1,797
    5 59,626 2,683 1,878
    6 62,309 2,804 1,963
    7 65,113 2,930 2,051
    8 68,043 3,062 2,143
    9 71,105 3,200 2,240
    10 74,305 3,344 2,341
    11 77,648 3,494 2,446
    12 81,143 3,651 2,556
    13 84,794 3,816 2,671
    14 88,610 3,987 2,791
    15 92,597 4,167 2,917
    16 96,764 4,354 3,048
    17 101,119 4,550 3,185
    18 105,669 4,755 3,329
    19 110,424 4,969 3,478
    20 115,393 5,193 3,635
    TOTAL $70,586 $49,410