NorthOne vs BMO Harris Bank
NorthOne is a good business banking features and tools if you're okay with paying a monthly fee . How does it compare to BMO Harris Bank? Read our comparison chart below.
NorthOne offers business banking with built-in financial tools. You get unlimited sub-accounts, unlimited transactions, invoice maker, and app integrations. But there is a $10 monthly fee with no options to waive.
While 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.
Compare NorthOne with BMO Harris Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
 | | |
NorthOne | BMO Harris Bank | |
|---|---|---|
Get 3 months of free business banking - | BMO Harris Smart Advantage™ Account - $300 Cash Bonus - | |
Benefits and Features | ||
| Savings | No savings account, but you can create unlimited envelopes for savings goals | 0.01% APY. $5 reward every month you save $200 or more, for the first year. |
| CD | 0.05% - 5.10% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | |
| Checking | $10 monthly fee (cannot be wavied); no balance requirements | Smart Advantage, Smart Money, Premier |
| Money Market | 1.00% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $10,000 minimum daily balance. | |
| APY | ||
| Customer Service | Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST. | Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm |
| Minimum Deposit to Open | ||
| ACH Transfer Fee | ||
| ATMs | 40,000+ BMO Harris and Allpoint ATMs | |
| Balance Requirement | ||
| Cash Deposit Fee | ||
| Incoming Wire Transfer Fee | ||
| IRA CD | 0.05% - 5.10% 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 | |
| Locations | ||
| Out of Network ATM Fee | ||
| Outgoing Wire Transfer Fee | ||
| Overdraft Fee | ||
| Monthly Fee | ||
CreditDonkey® Reviews | ||
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| Customer Service | |  |
| Mobile App | | |
| Fees | | |
| Savings | | |
| CD | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good business banking features and tools if you're okay with paying a monthly fee... | Midwest bank with options for low and high-balance customers... |
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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. BMO Harris Bank: Pricing information from published website as of 4/18/2023 based on 91107 zip code. | ||
Get 3 months of free business banking
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Free invoice maker
Get 1 month of free business banking
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Free invoice maker
Business Referral Program - $75 Bonus
Earn $75 for every referral who successfully opens a qualifying business account, and completes all qualifying requirements. Referred clients will get $75 in bonus.
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.
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.
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.
Which is Better: NorthOne or BMO Harris Bank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing NorthOne or Chase.
In short: NorthOne's customer service is impressive.
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