BMO Bank’s US routing number is 071000288. This single number applies to all BMO Bank N.A. accounts, including former Bank of the West accounts migrated in 2023. The SWIFT code for international wires is HATFUS44.
BMO Bank (US) Routing Number
| Detail | Number |
|---|---|
| US ABA routing number | 071000288 |
| SWIFT code (international) | HATFUS44 |
| Coverage | All US BMO Bank N.A. accounts |
Bank of the West Migration Note
In 2023, BMO Financial Group completed its acquisition of Bank of the West and migrated all accounts to BMO Bank N.A. Former Bank of the West routing numbers (e.g., 121100782) are no longer active for new transactions. All accounts now use 071000288.
If you set up direct deposit or ACH transfers using a Bank of the West routing number before the migration, update those to 071000288.
What to Use 071000288 For
| Use Case | Routing Number |
|---|---|
| Direct deposit | ✅ 071000288 |
| ACH bank-to-bank transfer | ✅ 071000288 |
| Outgoing domestic wire | ✅ 071000288 |
| Incoming domestic wire | ✅ 071000288 |
| International incoming wire | ✅ SWIFT HATFUS44 |
| Zelle | ❌ Not needed |
How to Find Your BMO Routing Number
On a check: Bottom-left — first 9 digits.
In the BMO app:
- Log in → tap your account
- Tap Account details
- Routing number 071000288 displayed
By phone: 1-888-340-2265 (Mon–Fri 7AM–9PM CT; Sat–Sun 8AM–6PM CT)
Related Guides
- BMO Bank fees 2026 — $0 monthly (e-statements), ATM fees, wire fees
- BMO Bank transfer limit 2026 — Zelle, ACH, wire limits
- BMO Bank customer service 2026 — 1-888-340-2265
- BMO Bank vs Chase 2026 — Midwest bank comparison
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