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BMO Harris Bank vs Wells Fargo

BMO Harris Bank is a midwest bank with options for low and high-balance customers. How does it compare to Wells Fargo? 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 Wells Fargo is one of America's largest banks with over 5,400 locations and 13,000 ATMs. Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

Compare BMO Harris Bank with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings and reviews.

 BMO Harris Bank
 Visit SiteLearn More
 

BMO Harris Bank

Wells Fargo

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

Read BMO Harris Bank Review

SPECIAL OFFER
Personal Checking Account - $200 Bonus - Learn More

Read Wells Fargo Review

 

Benefits and Features

Savings0.01% APY. $5 reward every month you save $200 or more, for the first year.0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or primary account owner is 24 years old or under
CD0.05% - 0.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.Standard Term CD: 0.01% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 0.02% APY if you maintain a linked Portfolio by Wells Fargo relationship.
CheckingSmart Advantage, Smart Money, PremierClear Access Banking, Everyday Checking, Portfolio by Wells Fargo
Money Market0.05% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $10,000 minimum daily balance.Also known as the Platinum Savings Account. 0.01% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 0.02% requires account linked to Portfolio by Wells Fargo relationship.
Customer ServiceMon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pmAvailable 24 hours a day, 7 days a week.
ATMs40,000+ BMO Harris and Allpoint ATMsMore than 13,000 ATMs across the country.
IRA CD0.05% - 0.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening depositStandard Term CD: 0.01% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 0.02% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money MarketIRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee0.01% APY. $100 minimum opening deposit.
Locations
More than 500 branches
Approximately 5,400 retail banking branches coast to coast.
 

CreditDonkey® Reviews

 BMO Harris Bank
SavingsStarStarEmpty StarEmpty StarEmpty Star
CDStarStarStarStarEmpty Star
CheckingStarStarStarStarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarHalf Star
Pros & ConsPros:
  • Free checking with eStatements
  • Large ATM network
  • Good financial tools
Cons:
  • Limited branches
  • Low savings APY
Bottom LineMidwest bank with options for low and high-balance customers... Read full review Read full review
 Visit SiteLearn More

Wells Fargo: Pricing information from published website as of 03/25/2022 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

Which is Better: BMO Harris Bank or Wells Fargo?

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.


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 Wells Fargo

Wells Fargo Bank Review

Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

Wells Fargo Bank Hours

Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

Wells Fargo Routing Number

Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

Which Do You Think is Best?





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