BMO Harris Bank Reviews 

BMO contacted me asking me about transactions and deposits from 5mos back until now, as if I could recall. This woman interrogated me under the guise of KYC, asking source 0f deposits and reasons for withdrawals and Zelles, as if I was trafficking dope. I have never had anyone call me questioning my transactions and deposit source, it felt like discrimination. The bank has my employer and income on file, yet questioning me about minimal transactions. I am disgusted, I know this is not the norm and will be closing my account today.

Horribly deceitful place, they made the process of Closing a CD account so difficult they forced a delay in their favor causing me a $1355.00 penalty, unhelpful rude staff. Stop Stealing money from people, Avoid this Bank At All Costs!

I’ve been a loyal customer of BMO (formerly Bank of the West) for over 10 years, but my recent experience at the Concord branch was beyond disappointing—it was dehumanizing.

After my purse was stolen with all my ID and cards, I went in urgently needing help to access my own money while in the middle of a move. I expected security. What I didn’t expect was to be treated like a criminal. No one addressed me by name, offered solutions, or showed the slightest empathy. As a Black woman, I left feeling profiled, dismissed, and completely unsupported.

The behavior from the branch manager was especially unacceptable—cold, unhelpful, and lacking any leadership or care. I left that branch not just without access to my funds, but with the deep disappointment of being mistreated by a bank I once trusted.

My wife Anne received an offer to apply BMO platinum credit card. she called BMO to find out what is the balance transfer fee for the 15 months free interest offer. Without any reason, The agent rudely told my wife she needs to go to a local branch to verify her identity then hang up on her. She is an online customer and there is no branch in Houston area. After that she is not able to sign in her account online. THE BOTTOM LINE IS DO NOT APPLY A CREDIT CARD WITH BMO ONLINE. THEY WILL ASK YOU TO GO TO A BRANCH TO VERIFY YOURSELF. IF THERE IS NO BRANCH IN YOUR AREA, YOU STUCK, BESIDES; THEY DO NOT APPRECIATED YOUR BUSINESS AND THEIR AGENTS ARE VERY RUDE.

BMO was good for 15 years until just recently, when they started closing accounts without cause. They closed our CHURCH account as a "security risk" for accepting cash donations. Then, they closed my business account for something else they made up (that never existed over the past 15 years). The young kids who are new to the bank are creating havoc. The bank I loved for 15 years is out-of-control. WARNING: Walk away; they are INSANE!

If I could give no stars, I would. This bank has a cheque for me since 2023. The customer service representative has 0 clue what they’re doing. They hang up on me a lot too.

They sent me a credit card I used it once and then they canceled it. The feds need to check this bank out.

My card was abruptly cancelled months ago, with no notice, there was no problem with payments, they just closed a card I’d had for over 20 years with the bank this one bought out. Today I went to make a payment, on the due date, and could not make a cash payment at the branch! The teller gave me a number to call for customer support. There, I was told I’d have to mail the payment. I asked to have a note put on the account that I attempted to pay on time in cash but couldn’t. She did, but said she couldn’t guarantee no late charge. Do not trust this bank!

This is the worse bank I've ever used. They lose money and take money from your accounts. I haven't used my card now I'm overdrawn and they trying to say I put the money into cashapp but the account won't allow you to put money into cashapp that you don't have. My account won't allow me to send money I don't have. I can't overdraw

Do Not Do Business With This Company:You will regret it in the future. I paid every payment on time and paid my auto loan out in 2017. BMO Harris sent me the title a month later. I misplaced the title and went to the local tag office to order a replacement title on June 13 2025. I was told on June 13th 2025, that BMO Harris never removed the lien, after I paid the vehicle off. I contacted the BMO Customer Relations Department and they acknowledged the mistake and advised I would receive a release of lein form in the mail. I later spoke with a manager and she refused to help me and give me her employee ID #. BMO Harris has given me the run around ever since and refused to discuss the matter with me. when I attempted to follow up with them on June 24, 2025, as I have not received the lien release they said they would send, so I can get the title for the vehicle. I paid every penny I owed this company with no late fees and this is the appreciation they show me.

Absolute trash. This is the third world country of the banking industry. If you are a current customer and you are on here complaining about them you should seriously consider taking your complaint somewhere it will make a difference. I suggest to you that go to the Federal Trade Commission and initiate a complaint. Also, the practices in place at this institution are criminal which qualifies it for fraud complaints at the IC3 wensite. This is is the FBI online crimes division. You will need to have your data organized when you go to IC3 and file a complaint. Some of the things you're going to need are the account numbers, the address of the headquarters or the branch you you walked into to open your account if you did so in person. And if you did so in person it would be good to have that branch managers name. These are complaints that will eventually cause problems for scum organizations like BMO. Trustpilot is nothing more than a gossip channel. What's more is TrustPilot removes negative complaints regularly for illegitimate reasons because it works in trustpilots favor for businesses to post a good score on trustpilot. Why? Simple. Because then there is an organization out there that puts the TrustPilot brand out in front of their company and therefore they'll be seen in a positive light by all the customers of that business. Therefore, TrustPilot is a compromised and even corrupted platform that really is useless except for P2P word of mouth

Worst ever - they are quick to take your money but make it impossible to get it back. They place 30 day limits on money transfers to my other banks - in effect keeping my money as long as they can so they can use it.

I’ve asked for them to call me but they will not. Doug Romans - if they happen to read this give me a call!

My advice is to stay away from BMO altogether.

I left BMO because of multiple issues.
1) They repeatedly gave out my account information and balance to someone who was not on my account
2) They allowed this person who was not on my account to transfer money out of my account
3) They informed my account beneficiary that he was the beneficiary. (NOT their place to divulge that private information.)
4) Twice they gave me fairly large sums of money without confirming my identity.
5) Even though I repeatedly asked them to confirm with ID whenever giving out my account information or MONEY, they never did.
With a 94% 1 star rating, wouldn't you think they would at least TRY to improve?

Terrible Service – Not Worth the Headache

BMO Harris is hands down the worst bank I’ve ever used. I recently deposited a personal check and was shocked when they placed a 10-day hold on it, despite my account having no prior issues. I was traveling at the time and had no access to the funds I rightfully expected to be available.

This isn’t the first time either, it's the second or third instance of BMO placing an excessive, unjustified hold on my deposits. I’ve been patient, but enough is enough. This kind of unpredictable and unreasonable banking practice is incredibly frustrating and completely inconvenient.

Like many others, I’ll be closing my account as soon as the funds are released. Avoid the stress and choose a bank that respects its customers and their time.

Nightmare bank. I was with Bank of the West when BMO acquired them. It seemed fine initially, but I had trouble opening a business account, and then they were unable to recognize a real, valid eCheck and refused to deposit it. This was the branch manager. I was able to deposit it via the app, but seriously? They have consistently mishandled my money. I am currently in a dispute with them over bogus charges, which they have denied. Truly a dishonest, inept bank, avoid them if possible.

I had a horrific experience with BMO that cost me about $1,500. I had a sizable CD that matured and I wanted to close my account and have the money sent to me. Notwithstanding that this is the year 2025, and even though I had sent them a wire transfer when I opened the account, they insisted on mailing me a paper check. When the check never arrived, they made canceling that check and having a new one issued exceedingly difficult. They refused to send me a new check unless I signed and had notarized an indemnity agreement in which I had to essentially claim responsibility for losing the check, even though it had never arrived, and to indemnify them for any loss if someone else cashed that check. Then they made me feel like they were doing me a favor by waving their 90-day waiting period to send me a new check. I finally, after much effort, reached an agent who was very helpful, and after I emailed her the signed and notarized indemnity agreement (which she was unable to waive), was able to arrange to have a replacement check sent to me via UPS, but still it was over a month between closing the account and having the money, a cost to me of $1,500 in lost interest (which of course BMO benefited from by having an extra month to use my money without having to pay any interest.) I don't think I've ever said this type of thing in any review of any nature before, but I will not be doing any business with BMO ever again. This was truly a nightmare experience.

So glad I opened an account with them when they started to open branches in California. I can a check and credit card. The staff is great!!!

Please open an account somewhere else, Anywhere else, had a problem at the ATM, different stories from everyone I talked too, can't get a clear answer, They say it will take up to 60 days for the money I put in the atm to come into my account because the ATMs are serviced by a 3rd party, Only decent person I spoke with was Michael, everyone was rude, did not listen, gave excuses. Totally unacceptable. Will be switching banks once problem is resolved. BANK ANYWHERE ELSE BUT HERE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I agree with those that believe BMO is shuttering US accounts in retaliation for tariffs. I had my account for 20 hrs. Never missed a payment, high credit score etc. My account was closed without reason or notification. I discovered my account was closed when I tried to use it, and the card was declined. No notification on my mobile app. I called for info, was told it was closed-why? Basically because they could. Ironically, this was April 2nd.

Actually, i'd like to give a negative 5.
They didn't honor the $200 cashback to begin with.

Now it seems as retaliating against US customers, they closed down our cards with no advance notification or reason.