BMO Harris Bank Headquarters Address, Corporate Office Location, and Contact Details

About

BMO Bank N.A. — formerly and still widely known as BMO Harris Bank — is a US-chartered national bank and wholly owned subsidiary of Bank of Montreal (BMO Financial Group), headquartered at 111 West Monroe Street, Chicago, Illinois 60603. Bank of Montreal (TSX: BMO, NYSE: BMO) is Canada’s fourth-largest bank by assets and one of the largest financial institutions in North America, with its own global headquarters at 100 King Street West, Toronto, Ontario, Canada. The Chicago address at 111 West Monroe Street reflects the bank’s legacy headquarters building — occupied since 1960 — but BMO’s primary Chicago executive campus has moved to BMO Tower, a 51-story skyscraper at 320 South Canal Street in the West Loop, which opened in 2022 adjacent to Chicago Union Station. BMO Bank N.A. rebranded from the “BMO Harris Bank” name to “BMO Bank N.A.” as part of a unified global branding initiative completed in 2023, though BMO Harris Bank remains in widespread consumer, legal, and regulatory use. The bank was formed from the 2011 merger of Harris Bank — a Chicago institution founded in 1882 — and M&I Bank (Marshall & Ilsley), acquired by BMO for $4.1 billion. In 2023, BMO significantly expanded its US footprint by completing the acquisition of Bank of the West from BNP Paribas for approximately $16.3 billion, adding roughly 500 branches across the Western US and making BMO one of the 15 largest banks in the United States. BMO Bank N.A. operates approximately 500+ US branches across nine core states — Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, California, and the Pacific Northwest — and offers personal banking, commercial banking, wealth management, and capital markets services. For BMO Financial Group’s full fiscal year 2025 (ending October 31, 2025), the US Banking segment delivered adjusted net income of $871 million USD — up $518 million from the prior year.

Critical naming and entity note: As of 2023, the legal and regulatory name is BMO Bank N.A. — “N.A.” designating a nationally chartered bank under the Office of the Comptroller of the Currency (OCC). However, countless consumers, legal filings, and older correspondence still use “BMO Harris Bank.” Both names refer to the same chartered entity. BMO Financial Group (the Canadian parent) is separately headquartered in Toronto and is the publicly traded holding company. For investor relations, US customers interact with BMO Bank N.A.; all shareholder and investor matters involve Bank of Montreal in Toronto.

Quick Facts

Founded

1882 (as Harris Bank, Chicago, Illinois)

Legal name

BMO Bank N.A. (formerly BMO Harris Bank)

HQ (legacy address)

111 West Monroe Street, Chicago, IL 60603

HQ (current campus)

BMO Tower, 320 South Canal Street, Chicago, IL 60606

HQ phone

(312) 461-6836

Customer service

1-888-340-2265

Parent company

Bank of Montreal / BMO Financial Group (TSX: BMO, NYSE: BMO)

Parent HQ

100 King Street West, Toronto, Ontario M5X 1A1, Canada

Parent CEO

Darryl White (BMO Financial Group CEO since November 2017)

US Banking adjusted net income (FY2025)

US$871 million (up $518M YoY)

BMO Financial Group net income (FY2025)

CAD$8.725 billion

US branches

500+ across 9 states

Notable US offices

Milwaukee (BMO Harris Financial Center, 770 N Water St), Indianapolis (BMO Plaza)

Website

bmo.com/en-us / bmoharris.com

What Brings You Here? Find the Right Contact

Personal banking customer — account, debit card, or transaction dispute

Call 1-888-340-2265 or visit bmo.com/en-us for online banking. BMO’s US customer service handles checking, savings, debit card disputes, and general account inquiries. For a lost or stolen debit card, call the same number and select the card services option immediately.

Mortgage inquiry or complaint

BMO Bank N.A. offers residential mortgages and home equity products across its US footprint. For mortgage servicing issues, payoff requests, or complaints, call 1-800-971-9270 or visit bmo.com/en-us/main/personal/mortgages.

Personal loan or auto loan inquiry

Call 1-888-340-2265 or log into your bmo.com account. For personal installment loans and BMO auto financing, account management is available online or by phone.

Business / commercial banking inquiry

BMO Bank N.A. serves small business, mid-market, and large corporate clients. Contact your dedicated relationship manager directly, or visit bmo.com/en-us/main/business for general commercial banking inquiries.

BMO Alto (online savings) inquiry

BMO Alto is BMO’s high-yield online savings and CD product for US customers. Contact BMO Alto support through the Alto portal at bmoalto.com or call 1-833-266-2586.

Wealth management / investment account (BMO Wealth Management US)

BMO’s US wealth management operations were unified with the US Banking segment in Q4 FY2025. For private banking, investment advisory, and brokerage services, contact your BMO Wealth Management advisor directly or call 1-888-340-2265 for routing.

Investor relations (Bank of Montreal parent)

All investor relations for BMO Financial Group (TSX/NYSE: BMO) are managed from Toronto. Visit bmo.com/ir or write to Bank of Montreal, Investor Relations, 100 King Street West, Toronto, Ontario M5X 1A1, Canada.

Media / press

Contact BMO’s US communications team through newsroom.bmo.com or the Chicago BMO Tower office at (312) 461-6836.

Legal / subpoena (US)

Serve BMO Bank N.A., 111 West Monroe Street, Chicago, IL 60603. BMO Bank N.A. is a nationally chartered bank regulated by the OCC — confirm the registered agent through the OCC Bank Search at occ.gov.

CFPB complaint

If your complaint involves a consumer financial product — checking account, mortgage, credit card, or loan — file at consumerfinance.gov/complaint. BMO Bank N.A. is subject to CFPB supervision as a large depository institution.

Phone & Contact Directory

US Customer Service (Personal Banking)

1-888-340-2265 — Account inquiries, debit card disputes, and general banking.

BMO Alto Online Savings

1-833-266-2586

Mortgage Customer Service

1-800-971-9270

Chicago HQ / BMO Tower Switchboard

(312) 461-6836 — Corporate, media, legal, and investor inquiries.

Fax (HQ)

(312) 461-7527

Online banking

bmo.com/en-us

Parent IR (Toronto)

bmo.com/ir

Corporate Headquarters & Office Addresses

US principal headquarters (legacy registered address)

BMO Bank N.A. (BMO Harris Bank)
111 West Monroe Street
Chicago, IL 60603
United States

US principal headquarters (current executive campus — BMO Tower)

BMO Bank N.A.
320 South Canal Street
Chicago, IL 60606
United States

Notable US regional offices

• Milwaukee, WI — BMO Harris Financial Center, 770 North Water Street (regional HQ, Wisconsin)
• Indianapolis, IN — BMO Plaza, 135 N Pennsylvania Street (Indiana regional HQ)
• Fishers, IN — 7150 E 116th Street
• Manitowoc, WI — 1013 S 8th Street
• Rushville, IL — 201 Conrad Harcourt Way

Parent company global headquarters

Bank of Montreal / BMO Financial Group
100 King Street West
Toronto, Ontario M5X 1A1
Canada

About the BMO Tower (2022): BMO Tower is a 51-story, approximately 1.5 million sq ft skyscraper in Chicago’s West Loop neighborhood, developed adjacent to Chicago Union Station at 320 South Canal Street. BMO Bank N.A. occupies 14 floors of the tower, which became BMO’s primary Chicago executive campus in 2022. The move consolidated executive and corporate functions from the legacy 111 West Monroe Street and 115 South LaSalle Street buildings — both of which BMO had occupied since the 1960s and 1970s respectively. The 111 West Monroe Street address continues to serve as BMO Bank N.A.’s official regulatory and legal registered address.

How to Escalate a Complaint

1. Call 1-888-340-2265 first — Document the date, rep name, and any case reference number. For billing errors, unauthorized charges, or account disputes, request a supervisor on the first call.
2. Escalate in writing through bmo.com — Log in and submit a formal written complaint through your account’s message center or contact form. Written submissions create a timestamped record for further escalation.
3. Visit your local branch or regional office — For complex disputes — especially mortgage servicing, account closure, or fraud claims — an in-person branch manager conversation often resolves issues faster than the phone queue.
4. Send a certified letter to the Chicago HQ — Write to BMO Bank N.A., Customer Resolution, 111 West Monroe Street, Chicago, IL 60603. Include your account number (partial), prior contact dates and rep names, and the specific resolution requested.
5. File a complaint with the CFPB — The Consumer Financial Protection Bureau supervises large banks including BMO Bank N.A. File at consumerfinance.gov/complaint. CFPB complaints receive a formal written response from the bank within 15 days.
6. File with the OCC — BMO Bank N.A. is a nationally chartered bank regulated by the Office of the Comptroller of the Currency. File a complaint at helpwithmybank.gov.
7. File with the FDIC — As a federally insured institution, BMO Bank N.A. can also be reported to the FDIC’s consumer assistance center at fdic.gov/consumers/assistance.
8. File with the Illinois IDFPR — The Illinois Department of Financial and Professional Regulation oversees state-level banking consumer protection. File at idfpr.illinois.gov.
9. File with the BBB — BMO Bank N.A. is listed with the BBB. File at bbb.org.
10. File with your State Attorney General — For deceptive practices, unauthorized fee patterns, or systematic billing errors, your state AG’s consumer protection office has jurisdiction.

Executive Leadership

Darryl White — CEO, BMO Financial Group (since November 2017)

White has served as Group CEO of Bank of Montreal since November 2017, overseeing BMO’s entire global operations including BMO Bank N.A. in the United States. Under his leadership, BMO executed its largest acquisition in history — the $16.3 billion purchase of Bank of the West from BNP Paribas, completed February 2023 — transforming BMO’s US presence from a Midwest-focused mid-tier bank to one of the 15 largest US commercial banks. His FY2025 results were strong: BMO Financial Group reported adjusted net income of CAD$9.248 billion and adjusted EPS of $12.16 — both up significantly from the prior year — while US Banking delivered $871 million USD in adjusted net income, a $518 million improvement. At a January 2026 investor conference, White reiterated BMO’s target to exit 2027 with a 15% return on equity and sustain that level into 2028 and beyond. He also oversaw a major US organizational realignment in Q4 FY2025, consolidating US personal banking and US wealth management into a single unified US Banking operating segment.