BMO Harris Bank N.A. Member FDIC
Important Notice and Change in Terms for Personal and Business Deposit AccountsPlease read this Important Notice and Change in Terms describing amendments to the Deposit AccountAgreement for Personal and Business Accounts, the Overdraft Funding Agreement for Personal Accounts,and the Overdraft Funding Agreement for Business Accounts.The Consecutive Day Overdraft Fee is currently charged after an Account is overdrawn for 3 consecutiveBusiness Days. Effective May 10, 2021, this fee will be charged after an Account is overdrawn for 5consecutive Business Days.Currently, certain withdrawals and transfers from Savings Accounts and money market Savings Accounts arelimited to 6 per month or monthly statement period. Effective May 10, 2021, there will be no limit to thenumber of withdrawals or transfers.By keeping your Account(s) open after May 10, 2021 you will have agreed to these amendments.BMO Harris Bank N.A. Member FDIC
BMO Harris Bank N.A.BMO Harris HandbookDated February 7, 2021Deposit Account Agreement for Personal and Business AccountsOverdraft Funding Agreement for Personal AccountsOverdraft Funding Agreement for Business AccountsSafe Deposit Box Agreement (for boxes opened after August 12, 2018)These documents contain important terms and conditions, including your rights and responsibilities, regarding your deposit Account, overdraft fundingservice and safe deposit box with us.Please read this carefully and be sure to keep it handy for future reference. If you need additional information or have questions, please call us and wewill be happy to help you.Your deposits are insured by the FDIC up to the maximum limits allowed by law. Information and tools describing how deposit insurance coverage worksare provided by the FDIC at www.fdic.gov or by calling 1-877-ASK-FDIC or 1-800-925-4618 (for the hearing impaired).NEW ACCOUNT OPENING PROCEDURESTo help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, andrecord information that identifies each person and business who opens an Account.What this means for you: When you open a personal Account, we will ask for your name, address, date of birth, Social Security Number, driver’s licenseor other identifying documents that will allow us to identify you. When you open a business Account, we will ask for your business name, TaxpayerIdentification Number and business address and other documents that will allow us to identify your business and confirm your authority. We will alsoask you for your name, residential address, date of birth, Social Security Number and other identifying documents including your driver’s license that willallow us to identify you.1 of 28
TABLE OF CONTENTSI.GLOSSARY. 3Q. Customer Communications.15R. Signature Requirements; Forgeries and Alterations.16S. Use and Disclosure of Customer Information.16T. Security Interest, Setoff and Assignment Restrictions.16U. Taxpayer Identification Numbers.16V. Transfer of Account Ownership.16W. Dormant and Abandoned Accounts.16X. Closing Your Account.16Y. Attorneys-in-Fact and Agents.17Z. Legal Proceedings; Disputes and Protection Against Loss.17AA. Indemnity.17BB. Limitation of Liability.18CC. Waiver/Enforceability.18DD. Security.18EE. Arbitration Provision.18II. DEPOSIT ACCOUNT AGREEMENT FOR PERSONAL AND BUSINESSACCOUNTS. 51. INTRODUCTION. 52. BMO HARRIS CHECKING ACCOUNTS. 6A. Withdrawals. 6B. Insufficient Funds and Overdrafts. 6C. Debiting Your Account; Order of Posting. 6D. Check Safekeeping.7E. Use of Signature Devices.7F. Preauthorized Drafts and Electronic Debits.7G. Postdated and Stale Checks.7H. Stopping Payment on a Check.7I. Cashing Your Checks for Non-Customers. 8J. Sub-Accounts. 88. FUNDS AVAILABILITY POLICY FOR DEPOSIT ACCOUNTS. 203. BMO HARRIS SAVINGS AND CERTIFICATE OF DEPOSIT (TIMEDEPOSIT) ACCOUNTS. 8A. Savings Accounts. 8B. Certificate of Deposit (Time Deposit) Accounts. 89. BMO HARRIS CARDHOLDER AGREEMENT.21A. Services Offered for All Personal and Business Cards.21B. Limitation on Frequency or Dollar Amountsof Transactions. 22C. Special Provisions Regarding ATM Deposits. 22D. Service Fees. 22E. Documentation of Transactions. 22F. Your Representations and Warranties Regarding Cards. 22G. Additional Representations and Warrantiesfor Business Customers with Cards. 22H. Limitations on Services.23I. Your Liability.23J. Our Liability for Failure to Make Transfers.23K. Unauthorized Transactions, Errors, and Questions.23L. Termination; Miscellaneous. 244. SPECIAL PROVISIONS RELATED TO CERTAIN TYPES OF ACCOUNTOWNERSHIP. 8A. Individual Accounts. 8B. Joint Accounts. 8C. Payable on Death Accounts, includingTotten Trust Accounts. 9D. Custodial Accounts for Minors. 9E. Marital Accounts in Wisconsin. 95. DISCLOSURE AND AGREEMENT FOR ELECTRONIC FUNDSTRANSFERS FOR PERSONAL ACCOUNTS. 9A. Services Offered. 9B. Service Fees.10C. Documentation of Transactions.10D. Our Liability for Failure to Make Transfers.10E. Stop Payments.10F. Unauthorized Transactions, Errors, and Questions.10G. Termination; Miscellaneous. 1110. SPECIAL PROVISIONS APPLICABLE TO BUSINESS ACCOUNTS ANDTRUST ACCOUNTS. 24A. Account Documentation. 24B. Special Agreements by Companies, Trusts and NonConsumer Customers. 2411. SPECIAL PROVISIONS APPLICABLE TO PASS-THROUGH DEPOSITACCOUNTS.256. SUBSTITUTE CHECKS AND YOUR RIGHTS AS A CONSUMER. 117.TERMS APPLICABLE TO ALL ACCOUNTS. 11A. Deposits. 11B. Interest.12C. Fees and Service Charges.12D. Forms Specifications; Special Instructions.12E. Endorsements.12F. General Withdrawal Limitations.12G. Money Market Deposit and Savings AccountsWithdrawal Limitations.12H. Wire and Other Funds Transfers.13I. BMO Harris Bank by Phone .13J. BMO Digital Banking .13K. Internet Gambling or Illegal Transactions.14L. Relationship Waiver for Deposit Accounts.14M. Statements, Notifications and Your Duty to Examine.14N. Combined Statements.15O. Change in Terms; Notices.15P. Change of Address; Personal Information; Returned Mail;and Subsequent Communications.15III. OVERDRAFT FUNDING AGREEMENT FOR PERSONAL ACCOUNTS.25IV. OVERDRAFT FUNDING AGREEMENT FOR BUSINESS ACCOUNTS. 26V. SAFE DEPOSIT BOX AGREEMENT.27ARBITRATION DISCLOSURE. The Deposit Account Agreement forPersonal and Business Accounts contains an arbitration provisionto be followed in the event of any disputes between you and usin connection with your Account(s) or the agreements relatedthereto. Please read the Arbitration Provision in Section 7.EE of theDeposit Account Agreement. YOU HAVE THE RIGHT TO OPT OUT OF THEARBITRATION PROVISION. If you do not opt out of this provision,any disputes relating to your Account(s) or your Deposit AccountAgreement must be resolved in an arbitration proceeding before aneutral arbitrator and you will not have the right to a jury or courttrial to resolve the dispute.OVERDRAFT DISCLOSURE. The Deposit Account Agreement forPersonal and Business Accounts contains detailed informationregarding how Items will be processed against your Account, howyou may incur an Overdraft, and the fees that you may incur if Itemsare presented for payment which exceed the available balance inyour Account. Please read the discussion on Insufficient Funds andOverdrafts in Section 2.B of the Deposit Account Agreement.2 of 28
I. GLOSSARYperiod and dividing that figure by the total number of days in thestatement period.This Glossary contains defined terms used in the Deposit AccountAgreement for Personal and Business Accounts, the Deposit AccountDisclosure, the BMO Harris Bank Business Service Fee Schedule, theOverdraft Funding Agreement for Personal Accounts, the OverdraftFunding Agreement for Business Accounts and the Safe Deposit BoxAgreement.Average Ledger Balance: The Average Ledger Balance is calculated byadding the Ledger Balance in the Account for each day of the statementperiod and dividing that figure by the total number of days in thestatement period.BMO Harris and BMO Harris Bank refer to BMO Harris Bank N.A.BMO Harris ATM refers to an ATM branded with the BMO Harris logo.AAA refers to the American Arbitration Association.BMO Harris ATM Transaction means a transaction conducted at a BMOHarris ATM including, for example, a deposit, withdrawal, transfer orbalance inquiry.AAA Rules refers to the AAA’s Commercial Dispute Resolution Proceduresand the Supplementary Procedures for Consumer Related Disputes, asamended from time to time.BMO Harris Bank Business Service Fee Schedule refers to the descriptionof an Account’s features, including a schedule of fees, interest rates (ifapplicable) and important Account disclosures provided to customers whena business Account is opened, including any changes or amendments fromtime to time. BMO Harris Bank Business Service Fee Schedules apply tobusiness Accounts and do not apply to personal Accounts.Account, Checking Account or Savings Account, as applicable, meanseach checking and/or savings deposit account you have with us that isgoverned by this Agreement.Account Owner means each person or entity that has an ownershipinterest in the Account as designated on our records.Account to Account Payment, sometimes also called a PIN-less debitcard transaction, means a direct transfer of funds using your Card fromyour Account to another account owned by a third party that may be heldat a financial institution other than BMO Harris Bank. Generally, Accountto Account Payments are used to pay bills to vendors.BMO Harris Banker means a BMO Harris personal banker or teller.ACH refers to any automated clearing house which processes credits anddebits through an electronic network.Box means a safe deposit box offered by us at one of our locations.The BMO Harris Family of Companies means BMO Harris Bank N.A. andall affiliates such as our brokerage, insurance, and investment advisorycompanies, which are affiliated with BMO Harris Bank by commonownership or control.Business Days are Monday through Friday excluding any holiday onwhich the Bank and/or the Federal Reserve are closed for processing.Transactions received or occurring on a day other than a Business Daywill be posted the next Business Day.Agreement refers to the Deposit Account Agreement for Personal andBusiness Accounts.Applicable Law means applicable federal law and Illinois law (to theextent not preempted by federal law), rules and regulations of theBoard of Governors of the Federal Reserve System, ACH rules, and Cardassociation rules, including those that may modify the terms of thisAgreement. To the extent not allowed by applicable federal and Illinoislaw, the laws of the state where your Account is assigned or your Boxis located, as applicable, will govern. Typically, your Account will beassigned to the branch or location where it was opened. However, wereserve the right upon notice to you to assign your Account to a particularbranch in a different state and the laws of that state will then governyour Account. For Dormant Accounts, the applicable law for unclaimedproperty purposes will be the law of the state of your address, as shownin our records. For Dormant Boxes, the applicable law for unclaimedproperty purposes will be the law of the state where the Box is located.Card means any ATM card, debit card, contactless debit card, or otherelectronic device or vehicle (such as any digital card, digital code, electronicserial number, mobile identification number, or personalized identificationnumber) that is issued by the Bank and used to access your Account for anATM transaction, POS purchase or cash advance. Card excludes any gift cardor other prepaid card not directly related to an Account.Cardholder refers to any individual to whom you have authorized usto issue a Card for use in connection with your Accounts. For businessAccounts, a Cardholder may include employees, officers and otheragents of the underlying business. For personal Accounts, a Cardholdermay include your power of attorney, agent, or, in the case of HSAs,your dependents.ATM refers to an automated teller machine.CD refers to Certificate of Deposit.ATM Card means any Card that is labeled “ATM Card” on the front of theCard, or any Card that can only be used to conduct transactions at anATM.Check means check, draft, electronic image, or other negotiableinstrument, including substitute checks deposited to or debited fromyour Account including withdrawals.Authorized Signer refers to the individual(s) named in the legaldocuments accepted by us evidencing that such individual has theauthority, as specified in the legal documents, which may include theauthority to transact and affect legal change to the Account on behalf ofthe Account Owner(s).Check Images means copies of your canceled Checks.Checking Account has the meaning described under “Account” above.Claims means all disputes or claims between you and us arising outof or relating to your Account(s), this Agreement, any other agreementrelated to your Accounts, or any transactions arising thereunder, whetherbased in contract, tort, statute, fraud, misrepresentation or any otherlegal theory. As used herein, “Claims” shall not include any disputes orclaims arising out of or relating to any credit card agreement or anyagreement for a loan secured by real property (including, for example, ahome equity line of credit).Auto Pay means automatic periodic scheduled payments automaticallydeducted from a Checking or Savings Account with us to pay a loanwith us.Auto Save means automatic periodic scheduled transfers between yourAccounts.Collected Balance means the balance in your Account at the close of theBusiness Day, consisting of cash, wire transfers and electronic deposits,plus those non-cash Items on deposit for which you have received credit,and interest credited to the Account, minus all withdrawals, holds andother debits to the Account.Average Collected Balance: For business Accounts, the AverageCollected Balance is calculated by adding the Collected Balance in theAccount for each day of the period (monthly or other applicable period)and dividing that figure by the total number of days in that period. TheAverage Collected Balance for the period may be a negative number ifwe permitted you to overdraw the Collected Balance on any day(s). Forbusiness Accounts that are not subject to Earnings Credit, the AverageCollected Balance may be calculated based on the number of days theAccount was open during the relevant period.Combined Balance is the total of the monthly Average Daily Balance inyour Master Account and Linked Accounts determined as of the statementperiod date for your Master Account.Company refers to any business entity, including a corporation,unincorporated association, partnership, limited liability company or soleproprietorship.Average Daily Balance: The Average Daily Balance is calculated byadding the Ledger Balance in the Account for each day of the statement3 of 28
Consecutive Day Overdraft Fee refers to the fee charged each BusinessDay your Account is overdrawn in any amount after your Account isoverdrawn for three consecutive Business Days, as disclosed in the DepositAccount Disclosure and BMO Harris Bank Business Service Fee Schedule.Incoming External Deposit refers to a deposit from an accountmaintained somewhere other than with the Bank or an account notowned by you and deposited to your Account. This includes ATM depositsbut does not include any other credits received through a Card.Contract refers to the Safe Deposit Box Agreement.Interest Rate Sheet refers to a list disclosing the rates we are offeringon our deposit products, as may be changed from time to time.Daily Balance Method means the method used to
Board of Governors of the Federal Reserve System, ACH rules, and Card association rules, including those that may modify the terms of this Agreement. To the extent not allowed by applicable federal and Illinois law, the laws of the state where your Account is assigned or your Box is located, as applicable, will govern.
Banking products and services are provided by BMO Harris Bank N.A. and are subject to bank and credit approval. Merchant Services are provided by and subject to the approval of a third party vendor. BMO Harris Bank and BMO Harris are trade names used by BMO Harris Bank N.A. Member FDIC. 2 of 8
May 01, 2021 · Business Banking Plans, service charges, and fees 17 Bank the way you want to bank with BMO 18 BMO Debit Card for Business Card Solutions 19 BMO Online Banking 19 BMO Mobile and Tablet Banking 19 BMO ATMs 20 BMO Telephone Banking 20 BMO Online Banking for Business 20
BMO Private Bank is a brand name used in the United States by BMO Harris Bank N.A. Member FDIC. Not all products and services are available in every state and/or location. Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. SEC-registered investment adviser.
PROPOSAL BY BANK OF MONTREAL AND BMO FINANCIAL GROUP . TO ACQUIRE BANCWEST HOLDING INC. AND BANK OF THE WEST, AND . BANK OF THE WEST TO MERGE WITH AND INTO . BMO HARRIS BANK NATIONAL ASSOCIATION . Via WebEx . Thursday, July 14, 2022 . The public meeting in the above-entitled matter convened at . 11:00 a.m. Eastern Daylight Time.
BMO Harris Financial Advisors, Inc. Form ADV Part 2A 4 of 35 Item 4 - Advisory Business Description of Firm MO Harris Financial Advisors, Inc. ("HFA" ) is a wholly-owned subsidiary of BMO Financial Corp., whose parent company is Bank of Montreal. BHFA is headquartered in Chicago, Illinois, and was formed in August, 2005.
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financial statements lists the intercorporate relationships among Bank of Montreal and its significant subsidiaries. 6.4% BMO 15-year 5.7% BMO 5-year BMO Financial Group has the longest-running dividend payout record of any company in Canada, at 191 years. BMO common shares had an annual dividend yield of 4.2% at October 31, 2019.
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