BMO Harris Bank vs Bank of America: Which is Better?

Bank of America offers a nationwide network, many account options, and user-friendly online banking. BMO Harris Bank is a midwest bank with options for low and high-balance customers.

Below, you can read about Bank of America vs BMO Harris Bank and which is better for you!

	Bank of America	BMO Harris Bank
Locations	4439 branches (Locator)	588 branches (Locator)
ATMs	Over 16,000 ATMs	40,000 ATMs
Savings	3/5	2/5
CD	2/5	4/5
Checking	2.5/5	3/5
Money Market	Not Eligible	3/5
Customer Service	4/5	3.5/5
Mobile App	4.5/5	3/5
Pros	-National availability -Extended customer service hours -Full service bank	-Free checking with eStatements -High APY for CDs -Good financial tools
Cons	-No free checking option -Low interest rates -Many misc. banking fees	-Limited branches -Low savings APY
Bottom Line	Bank of America offers a nationwide network, many account options, and user-friendly online banking.	BMO Harris Bank is a full-service bank with a variety of features and benefits to offer. If you prefer in-person banking and like access to all of your accounts in one place, BMO Harris may offer just what you need.

Bank of America vs. BMO Harris Bank

While Bank of America is one of the largest banks in the U.S. they also provide a variety of other fantastic features:

• Over 4,000 locations and 16,000 ATMs
• Fantastic customer service with extended hours
• They offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge

BMO Harris Bank is another great bank and they offer a large range of personal financial products to help consumers take control of their finances:

• 600 branches in the Midwest
• Smart Advantage checking account has no fee and no minimum balance if you opt for eStatements
• Savings need just $100 to open with easy ways to waive fees. Special Rate CDs require a $5,000 minimum opening deposit

Author’s Verdict

Both Bank of America and BMO Harris Bank are fantastic banks that both provide different set of benefits and accounts available for you to sign up for.

Hopefully the above information helps you understand which bank is better for you.

Also be sure to check out our own lists of bank promotions and CD tables!

HSBC Bank Promotions: $1,000, $2,000, $3000 Checking & Savings Bonus (Nationwide)

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U.S. Bank Promotions 2025: $450, $500, $900 Personal Checking & Business Bonuses

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