The BMO Bank routing number is a nine-digit code that identifies the bank in electronic transactions. Unlike some large national banks that assign different routing numbers to different states or regions, BMO uses a single routing number for all of its US accounts. That simplifies things for customers who move between states or who set up automatic payments and direct deposits from employers in different parts of the country. The same number works for ACH transfers, direct deposit, and domestic wire transfers.
BMO Bank Routing Number Details
The main BMO Bank routing number is 071025661. This number appears on the bottom-left corner of every BMO paper check, just to the left of the account number. It is also listed in online banking under account details and in the mobile app under account information. Because BMO operates under a single national charter for its US retail banking, there is no need to hunt for a state-specific code.
Where to Find Your Routing Number
There are four reliable places to look:
- Paper check: The nine-digit number in the bottom-left corner.
- Online banking: Log in, select the account, and view account details.
- Mobile app: Tap the account, then tap "Account Info."
- Customer service: Call 1-888-340-2265 and a representative can confirm it.
For customers who came over from Bank of the West, the routing number changed as part of the account migration. Any direct deposits or automatic payments set up with the old Bank of the West routing number need to be updated to 071025661, or the transactions will fail.
Wire Transfers and International Payments
Domestic wire transfers use the same routing number, 071025661, plus the recipient's account number and name. Wires submitted before the afternoon cutoff time typically process the same business day; anything after the cutoff waits until the next day. BMO charges a fee for outgoing domestic wires, and the exact amount varies by account type. Premium account holders sometimes receive a limited number of free wires per month.
International Wire Transfers
For money coming into a BMO account from outside the United States, the sender needs two pieces of information: the routing number (071025661) and the SWIFT code HATRUS44. The SWIFT code identifies BMO in the international banking network, while the routing number directs the funds to the correct US branch and account. Depending on the sender's country and bank, an intermediary bank may handle part of the transfer, which can add a day or two to the processing time and may introduce additional fees.
| Transfer type | Code needed | Typical time |
|---|---|---|
| ACH / Direct deposit | Routing: 071025661 | 1–2 business days |
| Domestic wire | Routing: 071025661 | Same day (if before cutoff) |
| International wire (incoming) | SWIFT: HATRUS44 + Routing: 071025661 | 2–5 business days |
Setting Up Direct Deposit
Employers usually provide a direct deposit form that asks for the routing number, account number, and account type (checking or savings). BMO customers can also generate a pre-filled direct deposit form from online banking, which includes the bank's name, address, and routing number already populated. Most employers need one to two pay cycles to activate direct deposit after receiving the form, so the first paycheck or two may still arrive as a paper check.
Important: Always double-check the routing number before submitting a wire transfer or direct deposit form. A single wrong digit can delay the transfer by days or send it to the wrong bank entirely.
Common Questions About BMO Routing Numbers
What is BMO Bank routing number?
The main BMO Bank routing number is 071025661, used for ACH transfers, direct deposit, and domestic wire transfers.
What is BMO Bank SWIFT code?
The SWIFT code for international wire transfers to BMO Bank is HATRUS44.
Is the BMO routing number the same in every state?
Yes. BMO uses a single routing number, 071025661, for all US accounts regardless of where the account was opened.