BMO Harris Bank Reviews 

Worst, most dishonest bank ever. They supposedly refunded an overpayment on my credit card which I never received. When I called about the money BMO absconded with, which was clearly recorded on-line, they claimed no transaction was done on that day. I call that stealing, not incompetence. Customer beware, BMO thinks nothing of withdrawing money from your account and conveniently losing it.

Have been banking with bmo many years as well as family members that i was legal guardian so i was on their accounts also . I am a 57 year old male that has a disability and has been denied 7 times. Anyway bmo decided to close my account because i cant afford to let child support take my savings again they wiped every penny out even though i currently pay every month for my deseased daughter. People when they csll and ask to talk about your account dont do it they already decided to close your account when they call . Ii only kerp bare min so i can pay my insurance and other bills but bmo wants you to keep everything in there i figure now with them closing my account im sure my credit score will go down snd my bills thst only allow a bank account will be in jeopardy of not getting paid Bmo has ruined my life …. Find anywhere else to bank people please..
finally they give no answers , no one to talk to beside the service center saying its finsl they made their decision , who made their decision ? I ask is this fair … its just the foreign bank taking advantage of the little people ……unbelievable…..

Boat a bought from a dealer and it was financed through BMO. Paid the boat off and got the around trying to get my title. First they said they'd mail it in 10 days. 20 days go by and still no title. Call back and they now said I needed to go to the Ohio BMV and they could print me a copy. I go to the BMV and they tell me they cannot do that. Call BMO again and they now say they gave me wrong information and they can email the title to me. Still waiting for it. DO NOT DEAL WITH THIS TERRIBLE BANK!!!!!

The WORST bank! Nobody knows what’s going on. Everybody has a different answer/solution to your problem. They don’t put customers first. Customer retention is NOT a priority with this bank. Most importantly, they violate Regulation E! Don’t bank here it’s a waste of time

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.

I will give you 0 if possible. We were hit by storms and experienced issues with the internet and electricity. I was unable to submit my payment on 4/1. I will do it on 4/2 after work.
The reason why 0 starts, at 4/2 @ 7 am they are calling me to collect the payment, on my way to work ,at 7 am,on 4/2, payment was due on 4 /1.
If the payment is processed it takes 3 business days to clear, but if it takes less than 12 hours they are calling you. This is harassment. If we need something we need to wait a few business days to be resolved, but on the other hand they can't way 24 hours. It is not that we cannot pay, we know that, we have a contract, but harassing people for a few hours being late, this is on another level.
If possible avoid them. No support, they don't understand or care about the people.

Pat, a teller at the Hinsdale, IL BMO branch is discriminatory towards a different demographic. He also harasses and retaliates against the female demographic.

Worst customer service ever. 25 year customer closing all accounts due to the poor customer service

I made a payment on 3/5/26 with my checking account, as usual. The payment was due on 3/18/26. Typically, the payment posts within 3 business days because of the weekend. The payment never posted. I called to check why it hasn't posted. After being transferred to someone, I could barely understand that I was insulted by this person. She said my payment was late without checking the due date. I don't pay bills late. I gave her my email, and she said she sent the payment confirmation, which I never received because she entered my information incorrectly. I found this out later. When you work hard to make sure you pay your bills on time, it is an insult to tell me I am late without that confirmation. Never told me why my payment didn't post.

Their bank systems have went down multiple times in the year I've tried them. This locked me out, and I had to go through 3 reps to get back on my account for 30 minutes on hold.

This bank is the WORST! - We have a boat loan with them. They are NOT applying the payments to the account. When we try to contact them we get a representative in the Philippines who doesn't understand what I'm saying. She repeatedly tells me to go to the nearest branch but the nearest branch is 5 states away! We were on the phone for over 2 hours and couldn't get past the verification process because she couldn't understand me. I had to get an attorney involved to find my money!

First I was scammed by someone BMO did nothing to help . And on top of that they froze my account because of it. And BMO won't let me get my money in my account. They are rude and have any concerns in helping youvi will never use the bank are recommend the bank to anybody me my wife my son and daughter-in-law all clothes our accounts off today because of the way they are

Worst customer service! It’s so loud that you can barely hear or understand the agents. They don’t seem trained to do this job. I heard loud laughing and singing and my agent didn’t know what he was doing. I didn’t feel safe discussing my finances in such an unprofessional environment. I’ll be leaving this institution I would have rather stayed with bank of the west which was also terrible! So frustrating