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Personal Finance

Payment and deposit services

  • Direct Deposit
    It's the easiest and safest way to have your payroll, pension, Social Security, or other recurring payments deposited directly into your BMO Harris Bank checking, savings or money market account.

    Sign Up for Direct Deposit

    1. Download one copy of this form for each employer or business with whom you wish to switch or establish Direct Deposit.
    2. For Direct Deposit to your Harris checking account, download and complete the form and attach a voided check from your checking account. For Direct Deposit to a savings account, simply complete the form.
      * For Business clients, if you are unsure of the type of account that you have, please contact our Business Banking team at 1-888-340-2265, option 0.
    3. Provide this completed form to your employer or other appropriate business or institution.
    Download and complete the pdf to establish or switch my Direct Deposit to BMO Harris.
    If establishing or switching your Social Security Direct Deposit:
    Call 1-800-772-1213 or visit www.socialsecurity.gov.
    Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites.
  • Automatic Payments

    BMO Harris Bill Pay®

    You can pay your BMO Harris Loan or have your bills paid from your BMO Harris checking account on a recurring schedule and in an amount you select.
    Sign up for BMO Harris Bill Pay through BMO Harris Online banking. Easily and quickly pay bills, set up automatic payments, schedule payments in advance and, receive and pay e-bills through your BMO Harris checking account. Learn more.
    • Use BMO Harris Bill Pay to pay your BMO Harris loan(s) or make payments to other companies such as phone bills, health club or credit card payments.
    • Customers can control the payment, the payee and the date along with having flexibility to update it at any time. Note: Changes in your monthly payment that are made by your lender requires you to update the payment amount in BMO Harris Bill Pay.
    • This can be a one-time payment or a recurring payment.
    • Depending on the payees arrangement with BMO Harris, the payment may be electronic or by check. Learn more about managing your Bill Pay account.

    Automatic Recurring Payments

    You can have your recurring BMO Harris Loan payments automatically withdrawn by BMO Harris from the deposit account you designate (whether at BMO Harris or another financial institution).
    Sign up for Automatic Recurring Payments for your BMO Harris Loan from the deposit account you choose (can be a BMO Harris account or an account at another financial institution).
    • In most cases, the payment date and the amount of the payment will be based on the terms of the loan, but for some types of loans, the customer can choose a higher amount or a different payment date
    • If the loan payment amount changes, BMO Harris will notify the customer and automatically withdraw the current amount due.
    Questions about completing the form? Call 1-888-340-2265
  • Managing Your Automobile Loan
    • Making Payments on Your Automobile Loan
      • By Mail
      • Automatic Payments
      • Immediate Payments
    • Obtaining Account Information about Your Automobile Loan
      • OnlineBy Phone
    • Obtaining Title Information about Your Automobile Loan

    MAKING PAYMENTS ON YOUR AUTOMOBILE LOAN

    Payments by Mail

    When sending payments always include your payment coupon and write your account number on your check or money order to ensure timely and accurate processing. Do not send cash.

    Mailing Address

    Please mail regular loan payments to:
    BMO Harris Bank N.A.
    P.O. Box 6201
    Carol Stream, IL 60197-6201
    Overnight loan payoff's to:
    BMO Harris Bank
    2012 Corporate Ln #108
    Attn: PO BOX 9202
    Naperville, IL 60563
    Please call 1-877-435-7330 for final payment amount.

    Automatic Payment

    You can have your bills or BMO Harris Loan payments paid from your BMO Harris checking account on a schedule and in an amount you select.
    Sign up for BMO Harris Bill Pay through BMO Harris Online banking. Easily and quickly set up automatic Loan payments and schedule payments in advance through your BMO Harris checking account. Learn more.

    Make an Immediate Payment

    Need to make a quick payment? Forget checks, stamps, and mailboxes.
    Harris Express Loan PaySM provides a convenient and secure method to make same day payments to your BMO Harris Consumer loan or 1st Mortgage loan accounts directly from any checking account. Click here to make your payment today. Additional fees may apply.

    Access Loan Information Online

    New BMO Harris auto loan customers
    In order to view and manage your auto loan online, you will need to first enroll in BMO Harris Online Banking. Please call us toll-free at 1-888-340-2265 to enroll in online banking and get started managing your auto loan information online.
    BMO Harris customers already enrolled in BMO Harris Online Banking
    If you are an existing BMO Harris checking or savings account customer already enrolled in online banking, your automobile loan information will appear automatically. Simply log into online banking to easily view, manage and make payments to your automobile loan online.
    BMO Harris customers not enrolled in BMO Harris Online Banking
    In order to view, manage and make payments to your auto loan, you will need to first enroll in online banking.
    If you are an existing BMO Harris checking or savings account customer but have not yet enrolled in online banking, all it takes is a few simple steps using your checking or savings account information. Once you are enrolled, you can easily view, manage and make payments to your automobile loan online.

    Access Loan Information By Phone

    Our toll free service line 1-877-435-7330 - is the first stop for BMO Harris loan information. To use our automated service you will need your loan number or Social Security Number. Your loan number can be found in your customer coupon book.
    With the automated service you can:
    • Access loan payoff and daily interest
    • Access loan balances
    • Access payment information and addresses
    • Request title information and lien releases

    OBTAINING TITLE INFORMATION ABOUT YOUR AUTOMOBILE LOAN

    Request title information and lien releases by Phone

    Use your toll free service line 1-877-435-7330. To use our automated service you will need your loan number or Social Security Number. Your loan number can be found in your customer coupon book.

    Title Retrieval

    Automobile titles are mailed to the customer's address on our records within 5 business days of receipt of loan payoff unless a “Letter of Direction” is received directing otherwise.
  • Make an Immediate Loan Payment
    BMO Harris Express Loan Pay provides a convenient and secure method to avoid late fees by making a same-day payment.

    BMO Harris Express Loan PaySM

    Need to make a same-day payment to avoid a late fee? Express Loan Pay is the answer. It’s the safe and easy way to make a speedy payment directly from your checking account to one of these BMO Harris accounts:
    • Auto Loan
    • Consumer Loan (including Home Equity Loans and Lines of Credit)
    • First Mortgage Loan
    Convenient ways to pay — just have your loan account number, checking account and routing numbers handy:
    If you don’t have a BMO Harris Checking Account, apply now
    View our browser requirements to ensure you can make an online payment.
    2. You are limited to 1 payment every 14 days. Additional payments can be made by mail, at the branch or by contacting us for an agent assisted payment.
  • Modifying or Cancelling Automatic Payments
    Consumer loans
    Cancel: Fax a signed letter requesting cancellation of the automatic payment, including the loan number, payment amount and the date the automatic payment should stop to 1-262-938-8169.
    Modify/change: Fax a signed letter requesting cancellation of automatic payment from the existing account along with a signed letter and voided check containing the new account and routing number information to 1-262-938-8169.
    Mortgages
    Cancel: Fax a letter signed by all mortgage account holders, requesting the automatic payment cancellation, including the mortgage loan number, payment amount and the date the automatic payment should stop to 1-262-938-8169.
    Please Note: Automatic Loan Payment cancellation or modification requests must be received 5 business days prior to the date the payment is scheduled to be made.
Banking products and services are subject to bank and credit approval and are provided by BMO Harris Bank N.A. Member FDIC
Message and data rates may apply. Contact your wireless carrier for details.
Certain conditions and limitations apply. BMO Harris Online Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Harris Online Banking® Services Agreement found at bmoharris.com/legal for full details.
Downloading and use of the Trusteer Rapport software is governed by the terms of the Rapport license agreement, which is provided with the software. BMO Harris makes no representation or warranty respecting the software or Trusteer's website. You agree BMO Harris is not responsible for any difficulties, consequences, costs, claims, damages or losses arising in any way whatsoever out of the downloading or use of the software.