Frequently Asked Questions About BMO Routing Numbers
What does BMO stand for and why is it sometimes called BMO Harris Bank?
BMO stands for Bank of Montreal, one of Canada's oldest and largest banks. BMO Financial Group established its US operations through the acquisition of Harris Bank in Chicago in 1984. For decades, the US subsidiary operated as BMO Harris Bank. In 2023, following the acquisition of Bank of the West, BMO retired the "Harris" branding in favor of the global "BMO" brand. So whether you see BMO Bank, BMO Harris Bank, or Bank of Montreal referenced, they all refer to the same institution with the same routing number: 071025661.
Why does BMO Bank use only one routing number for all states?
BMO Bank simplified its operations by using a single routing number (071025661) for all personal and business accounts across all US locations. This contrasts with many regional banks that maintain separate routing numbers for different states or regions. BMO's approach makes it easier for customers who move between states or need to set up payments, as they always use the same routing number regardless of where they opened their account or where they're currently located.
Can I use the same BMO routing number for ACH transfers and wire transfers?
Yes, BMO Bank uses routing number 071025661 for all domestic transaction types, including ACH transfers, wire transfers, direct deposits, and bill payments. For international wire transfers, you'll use the same routing number (071025661) along with BMO's SWIFT code (HATRUS44). This consistency simplifies the payment process compared to banks that use different routing numbers for different transaction types.
What happened to Bank of the West customers and routing numbers?
In February 2023, BMO completed its acquisition of San Francisco-based Bank of the West from BNP Paribas. Bank of the West was merged into BMO Bank, and former Bank of the West customers' accounts migrated to BMO with the routing number 071025661. This acquisition significantly expanded BMO's presence on the West Coast, particularly in California, and made BMO one of the largest banks in the United States with over $260 billion in assets.
How do I find my BMO Bank routing number on my check?
Your BMO Bank routing number appears as the first nine digits at the bottom-left corner of your checks. The routing number (071025661) is followed by your account number and then the check number. You can also find your routing number by logging into BMO Online Banking or the BMO Mobile App and viewing your account details. If you're unsure, you can always call BMO customer service at 1-888-340-2265 for verification.
