BMO Harris Bank Online Banking

Manage your money, calculate payments, and explore all personal and business banking products — all in one place with BMO Harris.

Personal Banking Products

BMO Harris Bank personal banking products are built for your everyday life — straightforward, fee-friendly, and always accessible via BMO Harris online banking.

Most Popular

Smart Advantage Checking

Our most popular BMO Harris checking account — no monthly fee when you enroll in online statements.

  • No monthly maintenance fee
  • Free online & mobile banking
  • Free bill pay
  • Mobile check deposit
  • 500+ fee-free ATMs
Open Account
Premium

Premier Checking

For customers who want the full BMO Harris experience with premium perks and relationship benefits.

  • Waivable $25/mo fee
  • Unlimited ATM fee rebates
  • Priority customer service
  • Relationship interest rates
  • Free safe deposit box discount
Learn More
Savings

Platinum Money Market

Earn a competitive rate on your savings while keeping funds accessible through BMO Harris online banking.

  • Competitive interest rates
  • FDIC insured up to $250K
  • 6 free withdrawals/month
  • Linked to checking for easy transfers
  • Tiered rates on higher balances
Open Savings

BMO Harris Mortgage Products

Whether you're buying your first home or refinancing, BMO Harris Bank offers competitive mortgage solutions tailored to your situation.

Best for Stability

Fixed-Rate Mortgage

Lock in a consistent rate for the life of your loan — 15 or 30 year terms available through BMO Harris.

  • Predictable monthly payments
  • 15 or 30-year terms
  • Competitive BMO Harris rates
  • Online application available
Best for Flexibility

Adjustable-Rate Mortgage

Start with a lower introductory rate — ideal if you plan to move or refinance within a few years.

  • Lower initial rate
  • 5/1, 7/1, 10/1 ARM options
  • Rate caps protect you from spikes
  • Great for shorter-term homeowners
FHA / VA Loans

Government-Backed Loans

BMO Harris Bank offers FHA and VA loans for qualifying buyers — lower down payments and flexible requirements.

  • FHA: as low as 3.5% down
  • VA: zero down for veterans
  • Flexible credit guidelines
  • BMO Harris guides you step by step

BMO Harris Business Banking

From startup checking accounts to enterprise treasury management, BMO Harris Bank has the tools your business needs to grow.

Small Business

Business Checking

A straightforward business checking account from BMO Harris with low fees and easy online access.

  • 200 free monthly transactions
  • BMO Harris business online banking
  • Dedicated business debit card
  • Free ACH payments
  • Linked to payroll services
Open Business Account
Growth

SBA & Business Loans

BMO Harris Bank is an SBA preferred lender — helping businesses access the capital they need to grow.

  • SBA 7(a) and 504 loans
  • Term loans from $25K to $5M+
  • Lines of credit
  • Equipment financing
  • Fast approval process
Explore Business Loans
Enterprise

Treasury & Cash Management

Sophisticated cash flow solutions for mid-market and large businesses banking with BMO Harris.

  • Automated cash concentration
  • Controlled disbursements
  • Positive pay fraud protection
  • Integrated payroll solutions
  • Dedicated relationship manager
Talk to a Specialist

BMO Harris Loan Calculators

Use our free calculators to estimate payments on mortgages, auto loans, and personal loans from BMO Harris Bank.

🏠 Mortgage Calculator

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Estimate based on entered values. Actual BMO Harris mortgage rates may vary. Contact a BMO Harris mortgage specialist for a personalized quote.

🚗 Auto Loan Calculator

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💵 Personal Loan Calculator

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