BMO Harris Bank Headquarters & Corporate Office

About BMO Harris Bank

BMO Harris Bank, N.A. — now officially operating simply as BMO Bank, N.A. following a 2023 rebranding — is a major full-service commercial bank serving millions of individual, small business, and corporate customers across the United States. The bank traces its roots to 1882 when it was founded as the Harris Bank in Chicago, Illinois, and grew into one of the Midwest’s most prominent financial institutions over the following century. BMO Harris Bank became a subsidiary of BMO Financial Group, Canada’s oldest bank, in 2011 following its acquisition of Marshall & Ilsley Corporation. Today, BMO operates over 1,000 branch locations and approximately 4,700 ATMs across the United States, with a particularly strong presence in the Midwest. BMO Financial Group is led by Chief Executive Officer Darryl White and delivered strong fiscal year 2025 results including robust earnings growth, improved return on equity, and sustained positive operating leverage across all business lines. BMO Bank, N.A.’s U.S. corporate headquarters is located in Chicago, Illinois, at the BMO Tower adjacent to Chicago Union Station.

Quick Information

Industry

Commercial Banking & Financial Services

Founded

1882, Chicago, Illinois

Number of Employees

Approximately 54,000+ employees across BMO Financial Group’s U.S. and Canadian operations

Corporate Office Hours

Monday to Friday, 8:00 AM – 5:00 PM Central Time. Closed on weekends and major U.S. federal holidays. Branch hours vary by location.

Email

General inquiries and complaints can be submitted through www.bmo.com/en-us/main/contact-us/

Website

www.bmo.com

Contact Page

www.bmo.com/en-us/main/contact-us/

Careers Page

jobs.bmo.com

Products & Services

BMO Bank, N.A. offers a comprehensive range of banking and financial services for personal, small business, and commercial customers across the United States. Their full range of products and services includes:

• Personal Checking Accounts — everyday checking accounts with online banking, mobile deposit, and Zelle
• Personal Savings Accounts — savings accounts, money market accounts, and certificates of deposit (CDs)
• Home Mortgage Loans — fixed-rate, adjustable-rate, FHA, and jumbo mortgage products for home purchase and refinancing
• Home Equity Loans & HELOCs — home equity borrowing products for home improvements, debt consolidation, and major expenses
• Personal Loans — unsecured personal loans for a range of financial needs
• Credit Cards — BMO-branded Mastercard credit cards with rewards, cash back, and travel benefits
• Auto Loans — competitive vehicle financing for new and used vehicle purchases
• Small Business Banking — business checking, savings, business credit cards, merchant services, and payroll solutions
• Commercial Banking — tailored banking solutions for mid-market and large commercial businesses
• Wealth Management & Private Banking — investment management, trust services, and financial planning for high-net-worth clients
• BMO InvestorLine — self-directed investing platform for stocks, ETFs, and options trading
• Online & Mobile Banking — full-service digital banking through the BMO Digital Banking platform with 24/7 access
• Treasury Management — cash management, fraud protection, and payment solutions for businesses
• Insurance Products — mortgage protection, credit card protection, and travel insurance products

Corporate Phone Numbers

Personal Banking Customer Service

1-877-225-5266 — main toll-free personal banking support line for all account, card, and general banking inquiries. Available 24 hours a day, 7 days a week.

Business Banking Services

1-877-262-5907 — dedicated support line for small and mid-size business banking customers. Available during regular business hours.

BMO Credit Cards

1-800-263-2263 — dedicated line for all BMO credit card inquiries including billing, disputes, lost and stolen cards, and rewards. Available 24/7.

BMO Private Banking

1-800-844-6442 — dedicated support line for BMO Platinum and Private Banking clients.

General Customer Service (Outside U.S.)

1-847-238-2265 — for customers calling from outside the United States. Also used for digital banking password resets, lost/stolen debit card reporting, and debit card activations. Available 24/7.

Customer Complaint Appeal Office (CCAO)

1-800-371-2541 — dedicated line for formal escalated complaints reviewed by the BMO Customer Complaint Appeal Office.

Corporate Office Number

(312) 461-2000 — main BMO Bank corporate headquarters line for business, media, and escalated matters. Available Monday through Friday during regular business hours.

How to Reach a Real Person at BMO Harris Bank

The fastest way to speak with a live BMO Bank representative for personal banking matters is to call 1-877-225-5266. This line is staffed 24 hours a day, 7 days a week. When the automated system answers, listen to the menu options and press the number that most closely matches your inquiry. To bypass the automated menu and reach a live agent, press 0 at any prompt or say “representative” clearly when prompted. For business banking customers, use the dedicated business line at 1-877-262-5907 for faster routing to the appropriate team.

For digital banking password resets, lost or stolen debit card reports, and card activations outside the U.S., call 1-847-238-2265 at any time, as this line supports these services 24/7. You can also log into your account at bmo.com and use the secure message feature within BMO Digital Banking to submit written inquiries that receive responses from the appropriate banking team, typically within 1 to 2 business days.

BMO Harris Bank Headquarters & Corporate Office Address

BMO Bank, N.A. operates its U.S. corporate headquarters at BMO Tower in Chicago’s Loop neighborhood, adjacent to Chicago Union Station. The company relocated from its historic three-building complex at 111 West Monroe Street to the newly constructed 50-story BMO Tower when the building opened in 2022. The BMO Tower now serves as the primary U.S. headquarters for all of BMO’s American banking, wealth management, and commercial operations, housing executive leadership, technology, legal, compliance, and corporate strategy functions.

BMO Bank, N.A. (BMO Harris Bank) — U.S. Corporate Headquarters

320 S Canal Street
Chicago, Illinois 60606
United States

BMO Financial Group — Global Parent Headquarters

100 King Street West
Toronto, Ontario M5X 1A1
Canada

Customer Complaint Appeal Office — Mailing Address

BMO Customer Complaint Appeal Office
P.O. Box 3, Station Ontario
Toronto, Ontario M5X 1A1
Canada

In addition to its Chicago U.S. headquarters, BMO maintains significant regional operations centers in Milwaukee, Wisconsin; Indianapolis, Indiana; and Phoenix, Arizona, as well as the global parent headquarters in Toronto. For all formal written correspondence directed to the U.S. corporate team, use the Chicago address above and include your full name, account information, return contact details, and a clear subject line.

How to File a Complaint Against BMO Harris Bank

Step 1 — Contact a BMO Representative Directly

The first step is to share your concern with a BMO representative at a local branch, through your online banking secure message center, or by phone. For personal banking, call 1-877-225-5266. For business banking, call 1-877-262-5907. For credit card issues, call 1-800-263-2263. Explain your complaint clearly and ask the representative to formally log your concern. Most billing errors, transaction disputes, fee issues, and account problems are resolved at this stage.

Step 2 — Request Escalation to a Senior Officer

If the first representative cannot resolve your complaint, ask to be escalated to a senior bank officer or branch manager. Senior officers have greater authority to reverse decisions, apply credits, and initiate formal investigations. Ask for a written confirmation of your escalation and a reference number. BMO commits to acknowledging your complaint and working toward a resolution in a timely manner.

Step 3 — Submit a Formal Written Complaint

If your complaint remains unresolved, submit a formal written complaint by visiting www.bmo.com/en-us/main/contact-us/ or mailing a letter to BMO Bank, N.A., 320 S Canal Street, Chicago, Illinois 60606. Your complaint should include your full name, account number, a detailed description of the issue, all previous contacts made, and the resolution you are requesting.

Step 4 — Escalate to the BMO Customer Complaint Appeal Office (CCAO)

If your complaint is unresolved after Steps 1 through 3, escalate formally to the BMO Customer Complaint Appeal Office (CCAO) by calling 1-800-371-2541, emailing complaint.appeal@bmo.com, or faxing to 1-800-766-8029. The CCAO is an internal independent body that reviews unresolved customer complaints without involvement in BMO’s business operations.

Step 5 — File a Complaint With the OCC or CFPB

If BMO has not resolved your complaint internally, file a formal complaint with the Office of the Comptroller of the Currency (OCC) at www.helpwithmybank.gov — the primary federal regulator for national banks including BMO Bank, N.A. You can also file with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov/complaint. Both agencies require the bank to respond and investigate your complaint.

Step 6 — Contact the Ombudsman for Banking Services and Investments (OBSI)

If your complaint remains unresolved after 56 days from first submission, you are entitled to escalate to the OBSI — an independent, impartial, and free dispute resolution service for banking and investment complaints. Contact OBSI at 20 Queen Street West, Suite 2400, Toronto, Ontario M5H 3R3, or visit www.obsi.ca. The OBSI process is confidential and carries no cost to the customer.

Step 7 — File a BBB Complaint

As an additional option, file a public complaint with the Better Business Bureau at www.bbb.org. A public BBB complaint typically prompts a corporate response within 14 days and creates a formal public record of the unresolved issue.