United States · Financial institution
BMO Bank N.A.
Legal name in the LEI recordBMO Bank National Association
BMO Bank National Association is a national bank chartered by the Office of the Comptroller of the Currency (OCC). Its head office is in Chicago, Illinois. It is the US banking subsidiary of Bank of Montreal and is held through BMO Financial Corp., the group's US holding company. It provides personal, business, commercial and wealth banking in the United States under the BMO brand. Bank of Montreal bought Bank of the West from BNP Paribas in February 2023 and merged it into the bank, which was then renamed from BMO Harris Bank National Association.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- HATRUS44XXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under HATRUS44 directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- 3 branch codes
- Other BIC with this LEI
- BWSTUS66
- BIC first registered
- 1977-09-26
- Last updated
- 2023-09-14
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
BMO Financial Corp.
Institution type
Commercial bank
Trades as BMO
- Standing
- Formerly named BMO Harris Bank National Association. The bank absorbed Bank of the West in 2023 and now trades under the BMO brand. The Swift directory also lists BIC BWSTUS66, which belonged to Bank of the West, under this entity.
- Ownership
- The bank is held by BMO Financial Corp., the US holding company wholly owned by Bank of Montreal.
- Direct parent
- BMO Financial Corp., United States
- Ultimate owner
- Bank of Montreal, Canada
- Head office
- 320 South Canal Street, 60606 Chicago, United States
- Company register
- FDIC cert 16571; FFIEC RSSD ID 75633
- Former name
- BMO Harris Bank National Association
Business lines
The bank offers personal and business banking, commercial banking, wealth management and treasury and payment services across the United States under the BMO brand.
Online
- Websites & references
- bmo.com ↗
commercial.bmo.com ↗ US commercial banking site
uswealth.bmo.com ↗ US wealth management site
usnewsroom.bmo.com ↗ US newsroom
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
Sources · 13 pages consulted
- ffiec.gov/npw/Institution/Profile/75633
- files.consumerfinance.gov/f/documents/CFPB_Institutions_06302026_Dist_1.pdf
- consumerfinance.gov/compliance/supervision-examinations/institutions/
- bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/board-of-directors/
- bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/
- bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/darrel-hackett/
- occ.gov/news-issuances/news-releases/2026/nr-occ-2026-28.html
- occ.gov/news-issuances/news-releases/2023/nr-occ-2023-8.html
- newsroom.bmo.com/2023-02-01-BMO-Completes-Acquisition-of-Bank-of-the-West
- newsroom.bmo.com/2025-06-05-BMO-Financial-Group-Announces-Executive-Appointments
- prnewswire.com/news-releases/bmo-announces-executive-appointment-301803429.html
- commercial.bmo.com/en/us/resource/business-strategy/bmo-receives-regulatory-approval-acquire-bank-west/
- en.wikipedia.org/wiki/BMO_Bank
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Darrel Hackett President and Chief Executive Officer, BMO Bank N.A.; CEO, BMO Financial Corp.; U.S. CEO, BMO Financial Group
- Chief financial officer
- Caroline Dufaux U.S. Chief Financial Officer
- Executive
- Aron Levine President, BMO U.S.
- Executive
- Justin Windschitl U.S. Chief Risk Officer, BMO
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- United States
- Office of the Comptroller of the Currency Prudential supervisorAML supervisorConduct
- United States
- Consumer Financial Protection Bureau Conduct
- United States
- Federal Deposit Insurance Corporation Resolution
- United States
- Board of Governors of the Federal Reserve System Central bank
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Enforcement
The OCC issued an order of prohibition against a former associate banker for unauthorised withdrawals of more than USD 164,000 from an elderly customer's account.
occ.gov ↗ -
Leadership
BMO Financial Group appointed Aron Levine, formerly of Bank of America, as Group Head and President, BMO U.S.
newsroom.bmo.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- HATRUS44XXX
- How the BIC breaks down
- HATRBank
- USCountry · United States
- 44Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 3Y4U8VZURTYWI1W2K376
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- ABA routing number 071000288
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Ultimate parent
- Bank of Montréal · CanadaNQQ6HPCNCCU6TUTQYE16 ↗
The Bank of Montréal group has 15 institutions in the directory, in 6 countries: all hold a BIC.
Including Bank of Montreal Europe PLC, Bank of Montreal, Bank of Montreal, Bank of Montreal, Bank of Montreal.
See the Bank of Montréal group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 320 SOUTH CANAL STREET CHICAGO 60603 UNITED STATES OF AMERICA
- Operational address
- 320 SOUTH CANAL STREET CHICAGO,IL CHICAGO,IL 60690 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI and its USABA clearing code
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>HATRUS44XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>071000288</MmbId>
</ClrSysMmbId>
<LEI>3Y4U8VZURTYWI1W2K376</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>HATRUS44XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>071000288</MmbId>
</ClrSysMmbId>
<LEI>3Y4U8VZURTYWI1W2K376</LEI>
<Nm>BMO BANK N.A.</Nm>
<PstlAdr>
<TwnNm>CHICAGO</TwnNm>
<Ctry>US</Ctry>
<AdrLine>320 SOUTH CANAL STREET CHICAGO 60603</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
National bank codes
ABA routing number · United States
1 code file of 2026-10-09 · ISO 20022 clearing system code USABA
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 071000288 | HATRUS44XXX | BMO BANK NATIONAL ASSOCIATION | CHICAGO, IL |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branch network
All 3 branch BICs connect to the head office. They are all in Chicago, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| HATRUS44BSL | — | Chicago | CHICAGO,IL CHICAGO,IL UNITED STATES OF AMERICA | 3Y4U8VZURTYWI1W2K376 | 2023-09-14 |
| HATRUS44GTM | GLOBAL TREASURY MGMT | Chicago | CHICAGO,IL CHICAGO,IL UNITED STATES OF AMERICA | 3Y4U8VZURTYWI1W2K376 | 2023-09-14 |
| HATRUS44SET | — | Chicago | CHICAGO,IL CHICAGO,IL UNITED STATES OF AMERICA | 3Y4U8VZURTYWI1W2K376 | 2023-09-14 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- National bank codes—United States (Source: Federal Financial Institutions Examination Council (FFIEC), National Information Center).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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