BMO routing number
Complete guide to BMO (formerly BMO Harris Bank) routing numbers for ACH transfers, wire transfers, and direct deposit across all US locations.
Last verified June 2026
More about BMO
BMO Routing Numbers
BMO Bank (formerly known as BMO Harris Bank) uses a single routing number for all personal and business bank accounts across the United States. This simplified approach makes it easy for customers regardless of which state they opened their account in.
This routing number applies to:
- All ACH transfers
- Direct deposits
- Wire transfers (domestic and international)
- Bill payments
- Electronic fund transfers
- Check processing
Service Area:
BMO Bank operates in 32 states across the United States with nearly 1,000 branches and 2,480 ATMs. Primary markets include:
Midwest: Illinois, Wisconsin, Indiana, Minnesota, Missouri, Iowa, Kansas
Western: Arizona, California, Colorado, Oregon, Washington, Utah
Southern: Florida, Texas, Georgia, Virginia
Eastern: New York, Massachusetts
Note: Unlike many banks that use different routing numbers by state, BMO Bank maintains one routing number (071025661) for all customers nationwide. This applies whether you're in Chicago, Phoenix, San Francisco, or any other BMO Bank location. You can always verify this routing number at the bottom-left corner of your checks.
Get it right the first time
A wrong number can bounce a transfer or send it into limbo. Two minutes here saves a week of waiting.
- Using the wire number for an ACH transfer (or vice-versa)
- Transposing a digit; always copy, don’t retype
- Forgetting the SWIFT code on incoming international wires
- Routing numbers are public — your account number is what to protect
- Only share account details over channels you initiated
- Verify new payees by phone before the first transfer
- Watch for invoice-swap scams that change banking details
How to find your account number
The 9-digit number in the lower-left, before your account number.
Sign in, open the account, and view account & routing details.
Printed near your account number in the statement header.
1-888-340-2265, or ask at any BMO branch.
FAQs
Common questions about ACH and wires through BMO
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