BMO Harris Bank vs US Bank
BMO Harris Bank is a midwest bank with options for low and high-balance customers. How does it compare to US Bank? Read our comparison chart below.
BMO Harris Bank has 900 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.
While US Bank has over 2,200 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
Compare BMO Harris Bank with US Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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BMO Harris Bank | US Bank | |
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BMO Harris Smart Advantage™ Account - $200 Cash Bonus - | U.S. Bank Smartly™ Checking - Up to $600 Bonus - | |
Benefits and Features | ||
Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. | 0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance. |
CD | 0.05% - 0.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. |
Checking | Smart Advantage, Smart Money, Premier | |
Money Market | 0.05% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $10,000 minimum daily balance. | 0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance. |
Customer Service | Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm | 24/7 Live Customer Service (Telephone) |
ATMs | 40,000+ BMO Harris and Allpoint ATMs | More than 37,000 ATMs across the country |
IRA CD | 0.05% - 0.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit | |
IRA Money Market | IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. |
Locations | More than 2200 branches across the country. | |
CreditDonkey® Reviews | ||
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Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Money Market | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Pros & Cons | Pros:
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Bottom Line | Midwest bank with options for low and high-balance customers... | Big national bank with wide array of services and many account options... |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. US Bank: Pricing information from published website as of 11/9/2022 based on 91107 zip code. |
BMO Harris Smart Advantage™ Account - $200 Cash Bonus
Open a new BMO Harris Smart Advantage™ Account online and get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
BMO Harris Smart Money™ Account - $200 Cash Bonus
Open a new BMO Harris Smart Money™ Account online and get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
BMO Harris Premier™ Account - $350 Cash Bonus
Open a new BMO Harris Premier™ Account and get a $350 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
U.S. Bank Smartly™ Checking - Up to $600 Bonus
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200, $6,000 to $9,999.99 to earn $400 and $10,000 or more to earn $600.
Silver Business Checking Package - $500 Bonus
- Enroll in business online banking within 60 days of account opening.
- Complete $3,000 in new money deposits and maintain for 60 days from account opening.
Gold Business Checking Package - $500 Bonus
- Enroll in business online banking within 60 days of account opening.
- Complete $3,000 in new money deposits and maintain for 60 days from account opening.
Which is Better: BMO Harris Bank or US Bank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing BMO Harris Bank or Chase.
In short: BMO Harris Bank's checking is notable. US Bank's customer service is notable.