BMO Harris Routing Number

BMO Harris Routing Number – Essential Guide to Secure Banking Transactions

Do you want to know about the BMO Harris Routing Number? Banks and other financial institutions use routing numbers to tell each other who they are when they send or receive money. These nine-digit codes make it easier for electronic funds to move between banks and make sure the money is moved quickly and correctly.

Read on to find out the BMO Harris routing number. This bank is based in Chicago and has more than 500 stores in eight states.

What is a Routing Number?

In the US, banks and other financial institutions identify themselves by their route numbers. They have 9 digits and are sometimes called RTNs, ABA routing numbers, or routing transit numbers.

For Fedwire money payments to go through, the Federal Reserve Banks need routing numbers. They are also needed for the ACH network to handle electronic money exchanges, such as direct deposits and bill payments.

Find the Banking Numbers for BMO Harris for:

1. The Account Number for ACH Payments

The number for BMO’s ACH account number is 071025661. ACH stands for Automatic Clearing House. Each bank in the US has its own ACH number. Banks and transfer apps like Zelle and Cash App use your ACH number and bank account number to figure out which account payments should be taken from and sent to.

2. The Routing Number for Wire Transfers

For US wire payments through BMO, the routing number is 071025661. You can get foreign wire transfers to your BMO account using this same number.

BMO Harris Routing Number

All personal bank accounts at BMO Harris have the same route number, 071025661. BMO Harris gives all of its personal bank accounts the same account number, no matter where the account holder lives or where the store is located. 

But not every bank uses this plan. Some banks have different route numbers for each geographic area. A single bank may also use various routing numbers for different things.

What are Routing Numbers Used for?

Routing numbers are used for all kinds of financial activities at banks and credit unions. If you want to do any of the following, you might need one:

  • Set up a direct deposit or have your BMO Harris account instantly pay your bills.
  • Have money put into your account, like a salary or pension.
  • Use a check to pay
  • Pay someone in the US with a cash transfer or ACH.

How do I Find My Banks Routing Number? 

You can find your bank’s account number in a few different ways. You can:

  • Go online
  • Get in touch with your bank
  • Find it on a check
  • Find it on a bank statement

Most of the time, a quick Google search will help you find the route number. But some of the information might be out of date or wrong for you. This makes it safer to call your bank or look for the account number on a check.

You can call your bank or send them an email to ask for the account number. This is a safe way to know you have the right routing number.

You can also usually find it in the bottom left corner of a bank check, including a BMO Harris check.

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Locating a Bank’s Routing Number

You can find a bank’s account number in a number of ways. In the past, your checkbook was the best place to look for your bank’s routing number. The first nine numbers at the bottom of a check are the route numbers. But now that electronic payment methods are more popular and checks are used less often, this method isn’t as useful as it used to be.

There are other ways to find your bank’s routing number, such as: 

  • Searching on the webpage of your bank.
  • Getting in touch with someone from your bank’s customer service.
  • Check your online bank account or the app on your phone.
  • Using the online tool to look up an ABA routing number.

How to Find Your BMO Harris Routing Number Online?

You can ask BMO Harris for your account number. Here’s everything you need.

Here are some ways to find your number on the Internet:

  • On this page, you can find the BMO Harris routing number for wire payments and checking accounts.
  • BMO Harris online banking: If you sign in to online banking, you can find your account number.
  • Check or bank statement: a check from BMO Harris or a bank account.
  • Fedwire: Your route number can be found on the Federal Reserve’s website.

Your route number is there to make sure that your payment gets to where it needs to go without any problems. If you need to find your BMO Harris account number, this page is a good place to start. But you should always check with your bank or the person you’re sending money to make sure you have the right account and transfer number.

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Routing Number Vs Swift Codes Vs Ibans: What’s the Difference?

All three of these are important for making a foreign wire transfer: routing numbers, swift codes, and IBANs. But they are all used for different things.


We’ve already talked about how a route number works. A SWIFT code has a similar role. On the other hand, it is used to identify individual banks and financial institutions when making transfers between countries.

Online sites say that the BMO Harris SWIFT code is either HATRUS44 or HATRUS44XXX. Check with your bank before you use this code to make sure it’s the right code for your move.


An IBAN is a number that acts as a bank account number when sending money abroad. An IBAN is a way to identify your account, while a SWIFT code is a way to identify the bank. You can call your bank and ask them for this number.

Which BMO Harris Routing Number Should You Use?

Which routing number you need depends on the transaction. You may need one number to accept ACH transfers and another to set up automatic bill payments.

A bank might have a few different route numbers, but they’re never given to other banks. This makes sure that your payment goes where it’s supposed to.


A routing number is used for domestic transfers and as an identifier for your bank. If you chose BMO Harris to be your bank, the routing number is 071025661.

You can find the routing number online, request it from your BMO Harris bank, or find it on a check.

You’ll likely need your BMO Harris routing number when dealing with your finances. Keep it handy should you need to make a wire transfer, automatic payment, or direct deposit.

In this case, you can use the same routing number for all domestic (ACH or wire) transfers from your personal bank. For international transfers, you must use SWIFT and IBAN.

Frequently Asked Questions (FAQs) about BMO Harris Routing Number

What is my BMO routing number?

All personal bank accounts at BMOB M O have the same reference number, which is 071025661.

How do I reach customer service?

Please call us at 1-888-340-2265 in the U.S. or 1-847-238-2265 outside the U.S. if you have questions about banking services in general. Our customer service team is open Monday through Friday from 7 a.m. to 10 p.m. CT and on Saturdays and Sundays from 8 a.m. to 8 p.m. You can change your BMO Digital Banking password, report a lost or stolen debit card, or activate a debit card 24 hours a day.

How do I make a car payment online?

With online banking, you can use your BMO cash or savings account to pay for a car. You’ll need to sign up for BMO Bill Pay after you sign up for online banking.

With BMO Harris Express Loan PaySM, you can also pay your BMO loan or mortgage from any bank account on the same day. You can also use BMO Harris Express Loan Pay (SM) to pay your BMO loan or mortgage quickly and easily from any bank account on the same day. Go to the Express Loan Pay page to make a payment or learn more about this service.

Where can I find BMOB M O career opportunities?

Apply for jobs on the BMO Careers website. Find out what we look for when we hire people, learn about chances for students and recent graduates, and get answers to all your career questions.

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