fin.codes

BMO Harris → BMO Bank: what changed for your money

BMO Harris Bank became BMO Bank N.A. on September 3, 2023 — a legal rename on the same FDIC charter, not a new bank or a merger. BMO's own direct-deposit form, issued under the new name, prints 071025661 as the BMO routing number.

What to know

  • It was a rename, not a merger: the FDIC records September 3, 2023 as a legal name change on the same charter — the bank itself didn't change.
  • BMO's current direct-deposit form — issued under the BMO Bank name — prints 071025661 for direct deposit and ACH, one number nationwide.
  • Searching a state-specific "BMO Harris routing number"? Per-state lists still circulate on third-party sites, but BMO's own form shows one number — treat the number in BMO digital banking as authoritative.
  • Former Bank of the West customers converted to BMO systems in early September 2023 — read routing and account numbers from BMO digital banking, not old Bank of the West paperwork.
  • Domestic wires use a different number: BMO's wire schedule prints 071000288.

How it happened

  1. January 17, 2023 — The OCC approves merging Bank of the West into BMO Harris Bank, N.A. (OCC release 2023-8)
  2. February 1, 2023 — BMO completes the Bank of the West acquisition. Customers stay on their existing branches, websites, and apps until systems convert. (BMO newsroom)
  3. Early 2023 — BMO announces the brand simplification "from BMO Harris Bank to BMO", with the website moving to bmo.com/en-us. (bmo.com brand-change page (Internet Archive snapshot, 2023-03-24))
  4. Early September 2023 — Bank of the West systems convert to BMO, per the conversion window BMO announced ("expected in early September 2023"). (BMO release (SEC filing exhibit))
  5. September 3, 2023 — The legal name changes to BMO Bank National Association — recorded by the FDIC as a name change on the same charter (CERT 16571). (FDIC BankFind institution history)

BMO Harris + Bank of the West questions

Did the routing number change when BMO Harris became BMO Bank?

BMO hasn't published a routing-change notice for the rename, and the FDIC recorded it as a legal name change on the same charter rather than a merger. BMO's current direct-deposit form — issued under the new BMO Bank name — prints 071025661. Confirm yours in BMO digital banking before setting up a new deposit.

I was a Bank of the West customer. What happened to my account?

Bank of the West merged into BMO, and accounts converted to BMO systems in early September 2023 per BMO's own announcements, which promised customers "key information" about "the plan for the conversion of their accounts." Don't reuse routing details from old Bank of the West paperwork — read your current numbers from BMO digital banking.

Does BMO have a different routing number for each state?

BMO's own current form prints a single routing number for direct deposit — 071025661 — with no per-state table. State-specific "BMO Harris" lists still circulate on third-party sites; treat the number shown in your BMO app as authoritative.

Are BMO and BMO Harris the same bank?

Yes. The FDIC's records show one charter renamed over time: Harris, N.A. became BMO Harris Bank, N.A. in 2011, and BMO Bank, N.A. on September 3, 2023.

Which number do I use for a wire to BMO?

BMO's wire schedule prints 071000288 as its Fedwire routing number — separate from the direct-deposit number. Wire instructions change, so confirm with BMO before sending, and always match the number to the transfer type.

What we checked, and when

Routing data is sourced from official bank pages, FDIC and NCUA institution data, and public routing directories, current in this build as of July 4, 2026. Confirm routing or SWIFT details with the financial institution before sending money.