BMO Bank N.A. is a major US bank formed by Bank of Montreal’s 2023 acquisition of Bank of the West, creating a roughly $200 billion asset institution with ~500 US branches. BMO is strongest in Illinois and the broader Midwest, with significant additional presence in the Western US (California, Arizona, Nevada) from the Bank of the West acquisition. The Smart Advantage Checking account is free with e-statements.
BMO Bank (US) at a Glance
| Feature | Details |
|---|---|
| Parent company | Bank of Montreal (Canada) |
| US subsidiary | BMO Bank N.A. |
| Assets (US) | ~$200 billion |
| US Branches | ~500 |
| ATMs | 40,000+ (Allpoint + BMO) |
| Monthly fee (Smart Advantage) | $0 with e-statements; $5 with paper |
| Monthly fee (Smart Money) | $5 (no overdraft fee account) |
| Daily ATM limit | $1,000 |
| OON ATM fee | $3.00 |
| Outgoing domestic wire | $25 |
| Customer service | 1-888-340-2265 |
| Phone hours | Mon–Fri 7AM–9PM CT; Sat–Sun 8AM–6PM CT |
| FDIC insured | Yes — $250,000 per depositor |
BMO US Footprint
Illinois, Wisconsin, Indiana, Arizona, California, Nevada, Idaho, Washington, Oregon, and other Western states (Bank of the West legacy).
Checking Account Options
| Account | Monthly Fee | Notes |
|---|---|---|
| Smart Advantage Checking | $0 (e-statements) / $5 (paper) | Full-featured |
| Smart Money Checking | $5 | No overdraft fees (declines) |
| BMO Relationship Checking | $25 | Premium; waived with $25K+ |
All BMO Bank Guides
- BMO Bank Routing Number 2026 — 071000288, direct deposit, wire
- BMO Bank Fees 2026 — $0 monthly (with e-statements), overdraft, ATM fees
- BMO Bank ATM Limit 2026 — $1,000/day, 40,000+ ATM network
- BMO Bank Customer Service 2026 — 1-888-340-2265, hours, chat
- BMO Bank Hours 2026 — branch hours, phone hours, holiday schedule
- BMO Bank Minimum Balance 2026 — $0 with e-statements
- BMO Bank Mobile Deposit Limit 2026 — daily limits, cutoff times
- BMO Bank Transfer Limit 2026 — Zelle, ACH, wire limits
- BMO Bank vs Chase 2026 — Midwest bank comparison
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