Welcome to TD Bank Personal Banking
Community means family.
I think that's what it's turned into.
I'm going to cry.
I don't know why.
Alright, your turn to talk.
Sam from Bonn Place Brewing Company here, and this is my wife.
Bethlehem is one of the greatest steel towns in America.
When manufacturing had a downturn Bethlehem had to reinvent itself.
When I first met Sam and Gina, they had this dream that they wanted to accomplish.
When we first signed our lease on this building, people were questioning it, like "you sure you want to open a brewery on the south side of Bethlehem in the current climate?"
We were certain that it was ready for what we wanted to do.
We needed a bit of help to get this place opened.and everybody needs help.
When anybody ever comes to us and says, "We need help. What can we do? We don't bmo near me branch how to get through this red tape."
We say, "This is what we did. This might help you."
We even went to City Hall for someone once.
This is the community we can change.
What we can change is right here and right now.
Sam and Gina are very passionate about working with women entrepreneurs.
It's hard to start a business.
One thing Sam and Gina have been able to achieve is share the lessons they've learned with other business owners and convince them, "hey, it actually is possible."
We want to see businesses succeed with the opportunities that we've had.
So what better way than to mentor them.
We're all in this together, and it's the bigger picture.
Bonn Place is a catalyst for the regrowth of this community.
They're also now helping other young entrepreneurs get started.
Sam and Gina sat down with us and gave us tips and tricks of what to do to get started.
We had this idea.
And they believe in us.
How much they're committed to the growth of Bethlehem as a whole.
That's the real story.[Applause]
They are the last two people who would want this bestowed upon them, but they are the most deserving.
So we all want to gather here today and say thank you, because we value everything that you put into Bethlehem.
There's a little bit more.
So, the contribution we made to a female entrepreneurship program, in your name.
We're absolutely thrilled.
Next year, with this gift, we're going to be able to serve even more women entrepreneurs.
The integrity of this community is real strong.
This is just the beginning.
Looking for simple and affordable life insurance? Get a life insurance quote in seconds, 100% online.
You’ve filled out your life insurance application, found the best life insurance in Canada for your needs, completed your health assessment, and been approved for coverage. Yay!
But before your insurance company can fully set up your policy, they need one last piece of information from you: your bank routing number and account number to set up pre-authorized payments for your monthly insurance premiums.
What’s a routing number? And how do you find the routing number for your BMO bank account?
Keep reading below to find out.
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Managing family responsibilities can get complicated, which is why we’re making the money side of it less so.
What is a routing number?
We’ll get to how to find your BMO routing number in a second. But first things first: what exactly is a routing number?
A routing number is a banking code that’s used along with your bank account number to identify your account electronically. In Canada, routing numbers are 8 digits long and made up of 2 smaller numbers: a branch number and an institution number.
Also known as the transit number, the branch number represents the BMO branch that your account is based at (e.g., 200 King St. W in Toronto). This isn’t necessarily the branch that you normally bank at. Branch numbers consist of 5 digits.
In comparison, the institution number is a 3-digit number that identifies the bank that your account is with (in this case, BMO). BMO’s institution number is 001.
For example, the routing number for the BMO branch located at 200 King St. W in Toronto is 24182-001. The 24182 is the branch number and the 001 is the institution number.
How to find your BMO routing number using a cheque
One of the easiest ways to find your routing number is to look at a cheque for your BMO account.
Here’s an image of a BMO cheque that highlights the portion of the cheque you need to pay attention to:
See those numbers at the bottom that look like they were typed in a computer font from the '90s? Some of them represent your routing number.
When you’re looking at your BMO cheque, don’t worry if your numbers look slightly different. Not all cheques look the same. So you may have more routing symbols or fewer routing symbols between the sets of numbers. And you might find that your branch number and institution number are one long string of digits with no routing symbols between them.
Because you know that BMO’s institution number is 001, you can use it to identify the routing number at the bottom of your particular cheque. Just make sure that you don’t mistake the cheque number for the institution number. The cheque number is used to identify an individual cheque in your cheque book. It’s the only number that differs from one cheque to another within a single cheque book.
How to find your BMO routing number if you don’t have a cheque
But what if you don’t have a cheque book? Do you need to shell out money for one just to figure out what your routing number is?
Thankfully, you don’t. You can look it up in bmo near me branch BMO online banking account instead. Here’s how:
- Log in to your BMO online banking account.
- Click on the “My Accounts” tab at the top of the page.
- On the left side of the page, select the account that you want your routing number for.
- You’ll see your branch number and institution number in the blue box at the top of the screen. You can also click on the “void cheque” link to download a PDF of a void cheque with your routing number and account details on it.
Yup. That’s all you have to do!
How to find your BMO routing number using your bank address
Can’t remember the password for your online banking account? No problem! If you know the address of the BMO branch that your account is based at, you can look up your routing number on this website.
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What do I need my routing number for?
When you get approved for life insurance, your insurer will ask for the routing number and account number for your bank account. They’ll use this to create an electronic link between your bank account and theirs so they can automatically withdraw your insurance payments on each monthly payment date.
With these pre-authorized payments, they won’t have to rely on you to pay up on time each month. And you won’t have to worry about keeping track of yet another set of dates in your calendar. Score!
You’ll also need to know your routing number if you want to set up pre-authorized payments for other monthly bills or direct deposit payments from your employer.
COO & Co-Founder
Laura brings 7 years of experience working in insurance & strategic operations as a management consultant at Bmo near me branch Wyman, after experiences at Manulife and Munich Re. In 2017, she launched a successful initiative for the World Economic Forum focused on innovation in insurance, working closely with insurers, tech pioneers, and policy-makers.
- Low or easy to avoid fees. Customers opening the basic checking account incur no monthly fee if they sign up for electronic statements. Other checking accounts do not charge for overdrafts or rebate outside-network ATM surcharges. The savings account charges a $5 monthly fee, but it can be waived by maintaining a minimum monthly balance of $100.
- Low minimums to open accounts. There are three checking accounts and one savings account that can be opened with as little as $25.
- Several debit card options. Harris offers three debit card options. When using your debit card to make purchases, you'll enjoy a variety of perks, including purchase protection, return protection, and extended warranties on eligible items.
- High balances required to earn interest. Although you can open a savings account with just $25, you'll need significantly larger balances to earn competitive interest rates—at least $1,000 for the CDs.
- Limited geographic footprint. The bank is regionally focused: while it boasts numerous branches, they're restricted to eight states in the South, Southwest, and Midwest. If you live outside these states, your ability to transact business in person is limited.
Who Is BMO Harris Bank Best For?
BMO Harris Bank is best for customers who live in one of the states where it has physical branches: Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida, or Wisconsin.
The bank may also be a good fit for customers who:
- Want to open a checking or savings account with a small opening deposit
- Can maintain four-figure account balances to earn the most interest
- Use a debit card for everyday purchases
- Want to a large, full-service bank that can meet all of their financial needs
- Are 25 years old or less
What Does BMO Harris Bank Offer?
BMO Harris has its own ATMs and partners with Allpoint to offer over 40,000 ATMs nationwide that customers can use without a fee. If you use an ATM outside its network, BMO Harris charges $3 per transaction.
As you might expect from a financial institution of its size, BMO Harris Bank offers a wide array of all the usual banking products and services for consumers and businesses, including:
- Checking accounts
- Money market accounts
- Savings accounts
- Certificates of deposit
- Credit cards
Customers have three checking account options to choose from.
- The Smart Advantage Account is monthly-fee-free if you sign up with paperless statements.
- The Smart Money Account carries a $5 monthly service charge but waives overdraft or non-sufficient funds fees. The fee is waived for customers who are under 25 years old.
- The Premier Account earns interest, waives non-BMO Harris ATM fees, and reimburses up to $25 in ATM fees charged by other banks.
Each checking account offers three different debit cards to choose from. The BMO Harris Bank Debit Mastercard provides return protection up to $250 and extended warranty on eligible items. The World Debit Mastercard adds purchase protection in case your item is damaged or stolen within 90 days. Sports fans can show their pride and save 15-20% on team gear with Bulls, Blackhawks, or Bucks-themed Debit Mastercards.
|BMO HARRIS BANK CHECKING ACCOUNTS|
|ACCOUNT NAME||MIN OPENING DEPOSIT||MONTHLY FEE||APY|
|Smart Advantage Account||$25||$0 (with paperless statements)||None|
|Smart Money Account||$25||$5||None|
|Premier Account||$25||$25||0.01% if < $5,000|
0.03% if $5,000+
Money Market Account
The Premier Money Market Account from BMO Harris Bank carries no monthly fees. But it requires a minimum deposit of $25 and you need to maintain that balance to earn interest.
|BMO HARRIS BANK MONEY MARKET ACCOUNT|
|ACCOUNT NAME||MIN OPENING DEPOSIT||MONTHLY FEE||APY|
|Premier Money Market Account||$25||$10 (waived with a $10,000 minimum balance)||0.05% if $25–$24,999|
0.08% if $25,000–$99,999
0.10% if $100,000–$249,999
0.12% if $250,000+
A BMO Harris Bank Statement Savings Account can be opened with a minimum of $25. There is a $5 monthly service charge if your minimum balance falls below $100. Customers under the age of 25 are not charged this fee.
|BMO HARRIS BANK SAVINGS ACCOUNT|
|ACCOUNT NAME||MIN OPENING DEPOSIT||MONTHLY FEE||APY|
|Statement Savings Account||$25||$5||0.03%|
Certificates of Bmo near me branch
Certificates of deposit (CDs) are available from three to 60 months with a minimum deposit of $1,000. BMO Harris Bank offers higher rates at $100,000.
The bank occasionally offers special-term CDs with attractive interest rates to meet its funding needs. An Add-On CD is also available for customers that want to augment an existing certificate, without affecting its maturity date.
At maturity, CDs automatically renew at the current market rate. Customers are sent a notice of maturity by mail and have 10 days from the maturity date to withdraw funds without penalty.
Early withdrawal penalties vary based on the CD's term and can be waived if the owner passes away or is judicially declared legally incompetent.
|BMO HARRIS BANK CD RATES|
|TERM||APY with $1,000 minimum|
|BMO HARRIS BANK CD WITHDRAWAL PENALTIES|
|CD TERM||INTEREST PENALTY|
|<59 Days||All interest earned|
|60-364 Days||90 days interest|
|12-23 Months||180 days interest|
|24-35 Months||270 days interest|
|36-47 Months||365 days interest|
|48+ Months||545 days interest|
BMO Harris Bank also offers special rates for certain terms with a minimum $5,000 deposit:
- 13-month: 0.10%
- 25-month: 0.25%
- 35-month: 0.50%
- 45-month: 0.70%
- 59-month: 0.85%
BMO Harris Bank has several credit card options, all of them part of the Mastercard network. These choices include cards that earn cash back, rewards credit cards, and balance transfer cards. Here are some of the cards it offers:
Rewards Credit Cards
- BMO Harris Bank Platinum Rewards Mastercard
- BMO Harris Bank Premium Rewards Mastercard
Cash Back Credit Cards
- BMO Harris Bank Cash Back Mastercard
Balance Transfer Credit Cards
- BMO Harris Bank Platinum Mastercard
Other Financial Products Offered by BMO Harris Bank
BMO Harris Bank offers additional financial products, including:
- Car loans
- Purchase mortgages
- Refinance mortgages
- Home equity loans
- Home equity lines of credit (HELOCs)
- Personal loans
- Personal lines of credit
- CD-secured loans
- Managed investment portfolios
- Private banking
- Financial advisors
- Business loans
BMO Harris Bank Customer Service
To connect with BMO Harris Bank customer service, you have several options. You can visit any of the over 600 branches in Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida, and Wisconsin. Customer service can be reached by phone at 1-888-340-2265. Automated phone banking is also available 24 hours a day.
You may also contact BMO Harris Bank through online banking and its mobile app. The high-ranking mobile app is available for both Apple (where it scores 4.7 out of 5, based on 30,400 ratings) and Android (4.6 out of 5, based on 6,742 ratings). Through the app, you can also pay bills, view transactions, deposit checks, and more.
How to Bank With BMO Harris Bank
To open an account with BMO Harris Bank, the best options are in-person or online. If you live in one of the eight states where BMO Harris has branches, you can open an account in-person. Opening an account online from anywhere is also available.
Given its full menu of financial products and accounts, BMO Harris Bank offers a truly one-stop-shopping experience. And it appeals to a variety of consumers, from those who can invest five or even six figures in a CD to those who have only $25 call wells fargo 1 800 number open an account with. Its modest minimums, along with its fee waivers for those under 25, suggests it's sensitive to students and young savers, and wants to encourage them in building good financial habits.
On the other hand, while there are no and low-fee deposit options, if you want the best perks and highest interest rates, you'll need to deposit some serious money—and maintain account balances of $25,000 or more.
Also, while BMO Harris can handle almost every banking need under one roof, it doesn't offer that many roofs—if you live outside the eight states with branches. As a regional bank, it is most appealing for customers located in one of the states where it has a brick-and-mortar presence. Although accounts can be opened online and serviced through the mobile app, there are better digital banking alternatives that offer competitive rates without the high minimums BMO Harris requires.
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Apple App Store. "BMO Digital Banking." Accessed April 23, 2021.
Google Play. "BMO Digital Banking." Accessed April 23, 2021.