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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 3,000 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.

 BMO Harris BankUS Bank
 Visit SiteVisit Site
 

BMO Harris Bank

US Bank

SPECIAL OFFER
BMO Harris Premier™ Account - $500 Cash Bonus - Learn More

Read BMO Harris Bank Review

SPECIAL OFFER
Easy Checking - $300 Bonus - Learn More

Read US Bank Review

 

Benefits and Features

Savings0.01% 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.
CD0.05% - 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. CD Special: 0.15% APY - 0.75% APY. Terms of 17 month - 59 months. Minimum deposit of $1,000. Maximum deposit $249,999.
CheckingSmart Advantage, Smart Money, PremierEasy Checking, Gold Checking Package, Platinum Checking Package
Money Market0.05% 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 ServiceMon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm24/7 Live Customer Service (Telephone)
ATMs40,000+ BMO Harris and Allpoint ATMsMore than 4,700 ATMs across the country
IRA CD0.05% - 0.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit 
IRA Money MarketIRA Premium Savers: $100 minimum opening deposit. No monthly maintenance feeMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations
More than 500 branches
More than 3000 branches across the country.
 

CreditDonkey® Reviews

 BMO Harris BankUS Bank
SavingsStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarStarEmpty StarStarStarStarStarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Free checking with eStatements
  • Large ATM network
  • Good financial tools
Cons:
  • Limited branches
  • Low savings APY
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Bottom LineMidwest bank with options for low and high-balance customers... Read full reviewBig national bank with wide array of services and many account options... Read full review
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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 03/8/2022 based on 91107 zip code.

BMO Harris Bank
Member FDIC

BMO Harris Premier™ Account - $500 Cash Bonus

Open a new BMO Harris Premier™ Account and get a $500 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.

Expires 9/30/2022
BMO Harris Bank
Member FDIC

BMO Harris Smart Advantage™ Account - $300 Cash Bonus

Open a new BMO Harris Smart Advantage™ Account online and get a $300 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.

Expires 9/30/2022
BMO Harris Bank
Member FDIC

BMO Harris Smart Money™ Account - $300 Cash Bonus

Open a new BMO Harris Smart Money™ Account online and get a $300 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.

Expires 9/30/2022
US Bank
Member FDIC

Easy Checking - $300 Bonus

Earn $300 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through July 5, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App.
  • Complete two or more direct deposits totaling $4,000 to earn $300
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires in 4 days
US Bank
Member FDIC

Gold Checking - $300 Bonus

Earn $300 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through July 5, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App.
  • Complete two or more direct deposits totaling $4,000 to earn $300
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires in 4 days
US Bank
Member FDIC

Platinum Checking - $300 Bonus

Earn $300 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through July 5, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App.
  • Complete two or more direct deposits totaling $4,000 to earn $300
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires in 4 days

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.


Articles on BMO Harris Bank

BMO Harris Bank Review

BMO Harris offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on.

Articles on US Bank

US Bank Review

U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?

US Bank Routing Number

To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.

Which Do You Think is Best?





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