Know Your BMO Harris Bank Routing Number

BMO Harris Bank Routing Number RoutingNumberUSA

What is BMO Harris Bank Routing Number?

As a customer of BMO Harris Bank, you need a BMO Harris Bank Routing Number to do your transactions., be it  online or offline. It helps banks to identify the financial institution behind a transaction. At the beginning, routing numbers helped to sort, bundle and ship paper checks. But as new transactions methods came into being, routing number incorporated them. This article also deals with questions like how to find out BMO Harris Bank routing number or what is the routing number for BMO Harris Bank?

BMO Harris Bank Routing Number RoutingNumberUSA

The table given below shows all the BMO Harris Bank Routing Numbers.

BMO Harris Bank ABA Routing Transit Numbers (RTN)

Here is the state wise list of BMO Harris Bank Routing Number for Checking Account and Savings Account.
S No.Region/StatePostal AbbreviationRouting Number

What is an ABA Routing Number?

Your ABA Routing Number has nine-digits. It is found at the bottom left corner of your check. As a banker, you can use a routing number to identify the financial institution behind a transaction. All transaction done through ACH and wire use the routing number system. The Federal Reserve Bank depends on ABA routing number system to process Fedwire fund transfers. The Automated Clearing House also uses the routing number system to process bill payments, direct deposits and other transfers.

The ABA routing number, as we know, came into being in 1910.  The American Bankers Association was behind its designing and implementation. The Association then tied up with several registrars over the years to manage this system. Currently, Accuity manages the routing number system and assigns them to the financial institutions.

ABA Routing Transit Number (RTN) RoutingNumberUSA

There are currently 26,895 active routing numbers in use. According to the Routing Number Policy, a financial institution can have only 5 routing numbers. But as there are a number of mergers taking place between different banks, a financial institution can have more than 5 routing numbers. Routing Numbers may differ depending on where you opened your account. It also depends on the type of transaction you make.

What’s the BMO Harris Bank SWIFT Code?

BMO Harris, like all other banks, employs SWIFT Code to make all its international transactions.

The SWIFT Code for BMO Harris Bank is: HATRUS44

What is a SWIFT Code?

SWIFT Code functions in the same way as a Routing Number. They help to identify  the financial institution behind a transaction globally. Banks use swift codes to transfer money between them for international wire transfers or SEPA payments. They also use swift codes to exchange messages.

A SWIFT Code has 8 to 11 characters and they are explained as follows:


  • Bank Code- First four letters (alphabets) (Usually a shortened version of a bank’s name)
  • Country Code- Next two letters (alphabets) (The country bank is located in)
  • Location Code- 2 digit location code (alphabets or digits) (Location of bank’s head office)
  • Branch Code- optional three digits (alphabets or digits) (It specifies banks branch instead of head office)

Things To Know About BMO Harris Bank 

Norman Wait Harris established N.W. Harris & Co., in 1882 and Harris Trust and Savings Bank in 1907. In 1960, it merged with Chicago National Bank and later restructured as Harris Bankcorp, Inc. in 1972. In 1984, Bank of Montreal (later known as BMO Financial Group) acquired Harris.

BMO Harris Bank ABA Routing Number RoutingNumberUSA

BMO Harris Bank is the 16th largest commercial bank by total assets in the US. Harris has over 600 branches and 1,300 ATMs in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona and Florida. This makes BMO Harris Bank one of the largest banks in the Midwest. Considering the market share, BMO Harris Bank is the second-largest Chicago-area bank, behind JPMorgan Chase. You also need the JPMorgan Chase Routing Number if you have an account in the Chase Bank. BMO Harris Bank is also the second largest US subsidiary of a Canadian bank, after TD Bank, N.A. However, you need the TD Bank Routing Number to make various monetary transactions through the TD Bank.

BMO Harris Bank is based in Chicago, Illinois and its address is:

111 W Monroe St, Chicago, Illinois 60603