BMO Harris Routing Numbers in the US (2025 Update & How to Use Them)
Looking to leverage a BMO Harris routing number for your business transactions in 2025? Whether you’re running a finance team, paying remote freelancers, or simply wanting to send funds reliably across state or country lines, understanding how this nine-digit code works is critical. It’s especially important if you need to handle multiple currencies or international wires. Banks like BMO Harris manage high transaction volumes, and their routing numbers let automated systems identify where funds should go. If you’re curious about how other institutions handle routing numbers, take a quick look at Wells Fargo routing numbers in the US (Complete List) for a comparison.
Why BMO Harris Routing Numbers Matter
A routing number is like an address that directs your money to the right place. BMO Harris Bank uses these numbers to streamline daily transactions:
ACH transfers: Salary disbursements, payments to vendors, or recurring bill pay.
Wire transfers: Domestic wires and international transactions, each requiring specific codes.
BMO Harris serves over 500 branches in eight states. In fact, the bank processed over 1.2 billion electronic payments in 2022, highlighting just how vital efficient routing becomes. Whether you’re paying a bill or receiving a large payment from overseas, the routing number ensures timely fund delivery.
The Focus on Accuracy
Having the correct routing number is a must. Any slip—like mixing up numbers—can add delays or even cause the transfer to bounce back. BMO Harris’s fraud detection system, which relies on verifying routing details, reduced fraudulent wire transfers by 37% in 2022, showing the value of precise codes.
Key BMO Harris Routing Numbers
Most personal accounts at BMO Harris in the United States use the number 071025661. You’ll spot this on checks or in online banking. Though this single number works for many transactions, BMO Harris might sometimes use specialized routing numbers for specific regions or legacy accounts.
Different Scenarios
Direct deposits: Typically rely on 071025661.
Check transfers: The same nine-digit code appears at the bottom-left of the check.
Domestic wire transfers: Use 071025661 plus your BMO Harris account number.
International wire transfers: Pair 071025661 with the BMO Harris SWIFT code (HATRUS44).
If you need more context on how another major bank organizes routing digits, see how Chase routing numbers compare for domestic and wire transfers.
Locating Your BMO Harris Routing Number
It’s common to confirm your routing number before depositing checks or setting up automatic payments. Here are convenient ways to find it:
Checkbook: The nine-digit number sits at the bottom-left corner.
Online Banking: After logging into your BMO Harris account, head to your account details.
Monthly Bank Statement: Printed near the account summary.
Mobile App: Under “Account Info,” you typically see your account and routing numbers.
Customer Service: A quick phone call can clarify any confusion.
Be sure to confirm the code if you opened your account in a new region or if you’ve heard about any bank mergers. Even if BMO Harris aims for streamlined routing codes, verifying is a safe step, especially for large sums.
Domestic vs. International Transactions
When money crosses borders, the stakes rise. BMO Harris is authorized to handle both domestic and international transfers, each with slightly different rules:
Domestic Wire Transfers
Routing number: 071025661
Method: You can initiate wires in-person, by phone, or online.
Timing: Must be submitted before the daily cutoff, often mid-afternoon, for same-day processing.
Fees: Historically, there’s a set fee—often around $25—but confirm directly with the bank since these can shift year to year.
International Wire Transfers
Routing number + SWIFT code: Include 071025661 along with HATRUS44.
Common direction: 68% of BMO Harris’s international wires in 2022 went to Canada, reflecting BMO’s strong cross-border presence.
Amount: The average wire stands at $12,345, reflecting typical business deals as well as select personal transfers.
Processing: Timelines vary by country, often landing funds within 1–2 days if details are correct.
If you’re a business owner dealing with multiple currencies, it might help to compare BMO Harris to a specialized cross-border platform. For example, Mural Pay’s payment solutions handle instant global transactions, letting you pay large groups of contractors. With high-volume capacity and multi-currency tools, some businesses see it as a step up in speed and cost savings.
How Mural Pay Adds Value
While BMO Harris supports many international wires, companies needing mass payouts or more agile currency conversions often look for new options. Mural Pay lets you:
Send bulk payments in 40+ currencies to contractors worldwide.
Convert funds at competitive rates, minimizing foreign exchange markups.
Enjoy real-time transaction tracking to see precisely where money is going.
For deeper insight into turning USD or EUR into another currency, check out Mural Pay’s currency conversion resource. It’s built for business owners who are scaling quickly and require reliable, quick currency swaps—something traditional bank accounts can struggle with.
BMO Harris Routing Numbers in 2025: Updates and Considerations
Routing numbers have persisted for more than a century, but changes can occur as banks streamline or unify systems. While BMO Harris is expected to keep 071025661 as its main code, let’s look at key points for 2025:
Digital Security Upgrades: Expect advanced fraud protection using AI. BMO Harris announced the rollout of next-level real-time checks to reduce money-laundering attempts.
Faster Clearing Times: Industry sources predict more real-time settlement, possibly cutting domestic wire times down to a few hours.
Regulatory Shifts: Rules from U.S. regulators regarding wire transaction transparency could expand data requirements. Keep up with official BMO Harris notices if your business handles large wire totals.
Mobile Banking Enhancements: The bank might refine its mobile app to display relevant codes based on the transaction type, removing guesswork for wire or ACH.
With BMO Harris processing 1.2 billion electronic transactions in 2022, any small improvement to the system can create huge ripple effects for customers.
Comparing BMO Harris with Other Banks
BMO Harris’s system of typically using a single main routing number differs from some major banks that juggle multiple codes by state. Here are a few standout comparisons:
Bank of America: Uses multiple routing codes across different regions.
Chase: Similar multi-number system, making it vital to confirm your state-based code.
Wells Fargo: Has separate numbers for checks, wires, and ACH.
This uniform approach from BMO Harris looks simpler, but be extra cautious if you manage older or specialized accounts. If you’re surveying more options out there, Bank of America’s routing numbers also offer a look at how another major U.S. institution handles regional complexity.
FAQ: Common Questions About BMO Harris Routing Numbers
Below are quick answers to frequent concerns about BMO Harris routing numbers.
Can I use the same routing number for ACH and wire transfers?
Yes, most consumer accounts use 071025661 for both. However, for international wires, you also include the SWIFT code (HATRUS44).
Why does BMO Harris primarily have one routing number?
Unlike other nationwide banks, BMO Harris has consolidated branches under one main identifier for simplicity. That said, certain older accounts may still reflect different codes.
Do wire transfers have cutoff times?
Yes. If you submit a domestic wire after the daily cutoff—often around 3:00 p.m. Central Time—it generally goes out the next business day.
What if the wire amount is very large?
BMO Harris may request extra authentication. The bank’s AI fraud system flags high-value wires, so you might need to provide additional ID or security details.
Do fees change over time?
Yes, BMO Harris’s fee schedule can shift from year to year. Always verify the most recent rates on the bank’s official site or by chatting with customer service.
Bottom Line
Grasping your BMO Harris routing number keeps your money flowing securely, whether you’re running payroll or paying a single invoice. Routine actions like direct deposits or check payments depend on that nine-digit sequence—an address that forms the core of U.S. banking. For some folks, BMO Harris alone meets everyday needs. Yet for global transactions, a specialized platform like Mural Pay might save substantial time and cut costs. If you’re comparing different banking solutions overall, dive deeper by exploring Bank of America Routing Numbers in the US (Complete Edition) to round out your perspective.
References
Statrys. (2023). “BMO Harris Routing Number.” Available at: https://statrys.com/blog/bmo-harris-routing-number
Instarem. (2023). “BMO Harris Routing Number.” Available at: https://www.instarem.com/routing-number/bmo-harris/
BMO Harris. (2023). “Wire Transfer Service Description.” Available at: https://www.bmo.com/en-us/pdf/wire-transfer-service-description-botw-conversion.pdf
