Here’s Your BMO Harris Routing Number

Learn BMO Harris' routing number and SWIFT code.

Routing numbers come into play when you transfer money between banks. They basically let banks identify each other so they know where to deposit funds. You might also need a routing number if you’re trying to set up recurring payments or making one-time payments.

If you’re a customer of BMO Harris Bank or otherwise do business with the Chicago-based bank, read on to learn more about its routing number and where to find it.

BMO Harris Routing Number

BMO Harris uses the following routing number:

BMO Harris Bank Routing Number

On its website, BMO Harris states that this is the number for all of its personal bank accounts, regardless of where the account was opened.

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What Is a Routing Number?

A routing number, also known as an ABA number, is a nine-digit security code that identifies a bank. The digits themselves correspond to different aspects of the financial institution. For example, the first two digits correspond to the 12 Federal Reserve Banks, while digits five through eight identify the bank itself (the final digit is called the “check digit”). Routing numbers have been in use since 1910, when they were formally introduced by the American Bankers Association — hence, ABA numbers.

Can Banks Have Multiple Routing Numbers?

Yes, some banks use multiple routing numbers, especially larger ones like Wells Fargo and Citibank. Different routing numbers can serve different purposes or different regions. Sometimes when a bank is merging with or acquiring another bank, it will also get the other bank’s routing number.

Also Read: The Secret Code in Your Routing Number You Never Noticed

How Do You Find a Routing Number on a Check?

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Your routing number is located on the bottom-left corner of your personal checks, including those issued by BMO Harris. Checks usually come with three sets of numbers: the routing number, your personal account number and the check number.

What Is the Routing Number for International Transfers?

International wire transfers use SWIFT codes to identify the banks that receive and transfer funds. BMO Harris doesn’t list a SWIFT code on its website, though multiple third-party sites list it as HATRUS44. BMO Harris notes that if you send a wire transfer by phone, you’ll need to complete a Wire Transfer Services Agreement.

What They Are and How To Find Them: Demystifying SWIFT Codes

More on BMO Harris

More Routing Numbers

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This content is not provided by BMO Harris. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by BMO Harris.

About the Author

Sean Dennison

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.

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