Bank of Montreal Harris

Deposit Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD 2.00% 5.38% →
2-Year CD 1.50% 4.95% →
3-Year CD N.A. 5.00% →
4-Year CD N.A. 4.55% →
5-Year CD N.A. 4.55% →

2024 Overview

General Online Bank Information

Money that you deposit is held by BMO Bank National Association. BMO Bank National Association is an FDIC insured institution founded in 1947. It has approximately $264.64 billion in assets.

Deposits FDIC Insured Yes
Insured Bank BMO Bank National Association
FDIC Certificate # 16571
Date Established 1947
Assets $264.64 billion
Loans $145.52 billion
Deposits $207.99 billion
Capital $33.24 billion

For a more detailed analysis of BMO Bank National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 19, 2024

Online CD Rates
Online CD Rates APY MIN MAX
1 Year Add-on CD
2.00% $1,000 - Learn More
2-Year CD
1.50% $5,000 - Learn More


Climate Policy and Initiatives

Parent Bank Initiatives:

BMO is aggressively courting renewable energy providers with its transition energy practice.

Updated April 3, 2024

Bank of Montreal Harris Climate Score: D

Bank of Montreal Harris Climate Score Info: BMO financing of fossil fuels continues to rise. It is one of the largest financier of the Canadian oil sands, investing billions of dollars into production of one of the earth's most climate-damaging fuel sources. While BMO boosts of its renewable energy lending, it is not believed to be a lender to any major US wind or solar projects.



Customer Reviews for Bank of Montreal Harris


  • July 28, 2020 |

    Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!!

  • July 17, 2020 |

    BMO Harris is not ready for prime time. This account is impossible to open online and impossible to reach a human. When I got a rep, she wanted didn't know that it was available in NY (and started explaining that it isn't available in Chicago). Take a pass.


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