BMO vs USAA Bank
BMO is a midwest bank with options for low and high-balance customers. How does it compare to USAA Bank? Read our comparison chart below.
BMO | USAA Bank | |
|---|---|---|
Savings Account - Up to $60 Bonus - | Personal Checking Account - $200 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. | |
| CD | 0.05% - 2.50% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | 0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open. |
| Checking | Smart Advantage, Smart Money, Relationship | Classic Checking, Youth Spending |
| Money Market | Up to 2.30% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | 100,000+ USAA and USAA-preferred ATMs | |
| Customer Service | Monday–Friday, 7 a.m.–11 p.m. (CT), and Saturday–Sunday, 8 a.m.–10 p.m. (CT) |
|
| IRA CD | 0.05% - 0.75% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit | 0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250. |
| IRA Money Market | IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee | |
| Locations | 4 financial centers in Colorado, New York, Maryland, and Texas | |
CreditDonkey® Reviews | ||
| Savings |   |  |
| CD | | |
| Checking | | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| Fees | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Midwest bank with options for low and high-balance customers... | Savings account with low rate and limited availability... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BMO: Pricing information from published website as of 02/12/2026 based on 60603 zip code. USAA Bank: Pricing information from published website as of 12/20/2025. | ||
Which is Better: BMO or USAA 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 or Bank of America.
Articles on BMO
BMO Review
BMO 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.
BMO Routing Number
If you have a BMO account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.
BMO Checking Account Bonus & Promotions
BMO rolls out enticing checking offers from time to time to attract new customers. Find the latest bonus deals here.
Who Owns BMO
BMO is a publicly-traded company with significant institutional investors. These include several well-known Canadian asset management firms and banks.
Is BMO a Safe Bank
Wondering about the security of your funds with BMO? They have a Financial Crimes Unit backing you up, for one. Read on for more details.
What is BMO
BMO Harris is now BMO. But are they a legit bank? Find out if you should bank with them.
BMO Smart Advantage vs Smart Money
BMO's Smart Advantage has $0 monthly fees. Smart Money has no overdraft fees. Which one is a smarter choice? Read on to find out.
Articles on USAA Bank
USAA Routing Number
USAA only has one routing number: 314074269. Learn what you need it for and other ways to transfer money.
USAA Savings Account Interest Rate
Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.
USAA High Yield Savings
USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.
Which Do You Think is Best?
Which Bank Account is Right for You?
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