BMO Bank N.A.

BMO Bank is the US banking subsidiary of Bank of Montreal, one of Canada's largest financial institutions. In the United States, the bank was formerly known as BMO Harris Bank and has historically been concentrated in the Midwest, particularly Illinois, Wisconsin, Indiana, Minnesota, Kansas, Missouri, and Florida. Following the acquisition of Bank of the West in 2023, its footprint expanded significantly to include California and other western states.

For individual customers, BMO Bank commonly offers checking and savings accounts, credit cards, auto loans, home mortgages, personal loans, and home equity products. The bank serves both everyday consumers and higher-net-worth clients, with wealth management services available through BMO Wealth Management.

BMO Bank operates a mobile banking app that allows customers to manage accounts, pay bills, transfer money, and deposit checks remotely. The bank also maintains physical branches in its core markets, though the density of branches varies by region.

For businesses, BMO provides business checking and savings, commercial loans, business credit cards, SBA loans, and treasury management services. Commercial banking is a significant part of BMO's overall business.

For home buyers, BMO Mortgage offers conventional, FHA, and VA loan options. Auto loans are available for new and used vehicle purchases. Applicants should verify current product availability in their state, as the integration of Bank of the West may affect product offerings in recently acquired markets.

BMO Bank is regulated by the Office of the Comptroller of the Currency and deposits are insured by the FDIC up to applicable limits. Rates, fees, and eligibility vary by product and individual circumstances.