July 2, 2022

BMO Harris Routing Number

Read more about BMO Harris Bank
Ad Disclosure: This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. You help support CreditDonkey by using our links. (read more)

If you have a BMO Harris Bank account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.

What Is a Routing Number?

A routing number is essentially a form of ID for a financial institution. It's a 9-digit number that will serve as the bank's identification document for a transfer.

The routing number for BMO Harris Bank is 071025661.

Some banks might have multiple numbers and some, like BMO Harris, have one. This number can also depend on the state in which you opened your account.

Apart from states, a routing number can also differ depending on the transfer you want to complete. Many times, the routing number for a wire transfer and one for a direct deposit will be different.

Luckily, the BMO Harris bank's routing number is the same for everyone. It will stay the same regardless of the state where you opened your account or the state you moved to.

Why do you need a routing number?

Your routing number is going to serve as a form of identification for your money. Think of it as your money's address. That way, when you make a transfer, your bank's address is known.

Note that routing numbers are only used for transfers inside the U.S. Outside the U.S., you will need a different code.

Let's get into more detail.

What Is a Routing Number Used for?

You will need a routing number to complete a transaction. This number will help identify the bank from which the money is being transferred or being transferred to.

Whether you need to complete a bill payment, direct deposit, or a tax payment, you will need a routing number. For international transfers, you also need SWIFT and IBAN. But we'll get to that later.

Are all BMO Harris routing numbers the same?
Yes, they are. You can use the same BMO Harris routing number for all your personal transfers, regardless of the state you reside in and what type of domestic transfer you need to complete.

How Do I Find My Bank's Routing Number?

There are a few ways you can go about finding your bank's routing number. 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, you will be able to find the routing number through a quick Google search. However, some information may be outdated or incorrect for you specifically. Because of this, getting in touch with your bank or locating the routing number on a check is safer.

You can call or email your bank and ask them to provide the routing number for you. This is a surefire way to make sure you have the right routing number.

You can also usually find it on the bottom left corner of your check issued by the bank, including those issued by BMO Harris.

Can Routing Numbers Change?

The routing number of a bank can change over time. Also, banks might have multiple routing numbers, dependent on their size and the number of states they operate in.

Therefore, it's important to check with your bank before you use a routing number. They can provide this number for you. They can also provide any other codes you might need to complete a transfer.

Can banks have multiple routing numbers?
Yes, banks can have multiple routing numbers. These numbers can differ based on the state you opened your account in, as well as what kind of transfer you're trying to complete. For instance, a wire transfer and an ACH transfer can have two completely different routing numbers for the same bank.

Routing Number vs Swift Codes vs IBANs: What's the Difference?

All three of these–routing numbers, swift codes, and IBANs–are crucial to completing an (international) wire transfer. However, they all have different purposes.

SWIFT code
We already touched on what a routing number is used for. A SWIFT code has a similar role. However, it is used for international transfers to identify specific banks and financial institutions.

According to online sources, the SWIFT code for BMO Harris is HATRUS44 or HATRUS44XXX. Before you use this code, check with your bank to make sure you use the correct code for your transfer.

An IBAN serves as an account number for international transfers. While a SWIFT code serves as an identifier for the bank, an IBAN serves as an identifier for your account. You can contact your bank to provide this number for you.

Bottom Line

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.

Member FDIC

Chase Total Checking® - $200 Bonus

Expires 7/19/2023
  • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
  • Access to more than 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

*With Chase Overdraft Assist℠, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.


Citi Priority Account - Earn up to $2,000 Cash Bonus

Expires 7/23/2023
  • Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
  • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
  • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
  • If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
  • Bonus will be paid within 30 days after you successfully complete all required activities.
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 4.85% APY

  • 4.85% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY223 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 6/15/2023

Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

Write to Arta Mekuli at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

BMO Harris Bank Review:  Account Good for You?

BMO Harris Bank Review

Find Your Routing Number on a Check

What is a Routing Number

Is BMO Harris a Real Bank

BMO Harris Real Bank

How to Find Your Chase Routing Number

Chase Routing Number

Bank of America Routing Number

Bank of America Routing Number

Union Bank Routing Number

Union Bank Routing Number


About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2023 CreditDonkey Inc. All Rights Reserved.