--- title: "BMO Bank N.A. SWIFT/BIC code HATRUS44XXX · United States | Elucidate" description: "SWIFT/BIC code HATRUS44XXX for BMO Bank N.A., United States. 3 branch BICs, LEI 3Y4U8VZURTYWI1W2K376, addresses and Swift connectivity." url: https://elucidate.co/directory/bmo-bank-n-a-hatrus44 --- 1. [Directory](https://elucidate.co/directory) 2. [United States](https://elucidate.co/directory/country/us) 3. BMO Bank N.A. United States · Financial institution # BMO Bank N.A. Legal name in the LEI record BMO 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. BIC **HATRUS44XXX** LEI **[3Y4U8VZURTYWI1W2K376](https://search.gleif.org/#/record/3Y4U8VZURTYWI1W2K376)** Licence no. **Not on a tracked register** Connected to Swift [**3** branch codes](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#branches) [Group: Bank of Montréal](https://elucidate.co/directory/group/NQQ6HPCNCCU6TUTQYE16) [Claim this profile](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#claim) ## 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 Swift - **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](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#branches) - **Other BIC with this LEI:** [BWSTUS66](https://elucidate.co/directory/bmo-bank-n-a-bwstus66) - **BIC first registered:** 1977-09-26 - **Last updated:** 2023-09-14 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#overview-sources) Total assets USD 255bn This entity · 30 Jun 2026 · [regulatory filing ↗](https://files.consumerfinance.gov/f/documents/CFPB_Institutions_06302026_Dist_1.pdf) 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 - Retail banking - SME banking - Corporate banking - Private banking & wealth - Mortgage lending - Cards - Transaction banking & payments 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 ↗](https://www.bmo.com/) [commercial.bmo.com ↗](https://commercial.bmo.com/en/us/) US commercial banking site [uswealth.bmo.com ↗](https://uswealth.bmo.com/) US wealth management site [usnewsroom.bmo.com ↗](https://usnewsroom.bmo.com/) US newsroom [Wikipedia ↗](https://en.wikipedia.org/wiki/BMO_Bank) - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/bmo-us) · [X ↗](https://twitter.com/BMO_US) · [Facebook ↗](https://www.facebook.com/bmoUSA) · [YouTube ↗](https://www.youtube.com/@bmoUS) Sources · 13 pages consulted 1. [ffiec.gov/npw/Institution/Profile/75633](https://www.ffiec.gov/npw/Institution/Profile/75633) 2. [files.consumerfinance.gov/f/documents/CFPB\_Institutions\_06302026\_Dist\_1.pdf](https://files.consumerfinance.gov/f/documents/CFPB_Institutions_06302026_Dist_1.pdf) 3. [consumerfinance.gov/compliance/supervision-examinations/institutions/](https://www.consumerfinance.gov/compliance/supervision-examinations/institutions/) 4. [bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/board-of-directors/](https://www.bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/board-of-directors/) 5. [bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/](https://www.bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/) 6. [bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/darrel-hackett/](https://www.bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/darrel-hackett/) 7. [occ.gov/news-issuances/news-releases/2026/nr-occ-2026-28.html](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-28.html) 8. [occ.gov/news-issuances/news-releases/2023/nr-occ-2023-8.html](https://www.occ.gov/news-issuances/news-releases/2023/nr-occ-2023-8.html) 9. [newsroom.bmo.com/2023-02-01-BMO-Completes-Acquisition-of-Bank-of-the-West](https://newsroom.bmo.com/2023-02-01-BMO-Completes-Acquisition-of-Bank-of-the-West) 10. [newsroom.bmo.com/2025-06-05-BMO-Financial-Group-Announces-Executive-Appointments](https://newsroom.bmo.com/2025-06-05-BMO-Financial-Group-Announces-Executive-Appointments) 11. [prnewswire.com/news-releases/bmo-announces-executive-appointment-301803429.html](https://www.prnewswire.com/news-releases/bmo-announces-executive-appointment-301803429.html) 12. [commercial.bmo.com/en/us/resource/business-strategy/bmo-receives-regulatory-approval-acquire-bank-west/](https://commercial.bmo.com/en/us/resource/business-strategy/bmo-receives-regulatory-approval-acquire-bank-west/) 13. [en.wikipedia.org/wiki/BMO\_Bank](https://en.wikipedia.org/wiki/BMO_Bank) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#overview-sources) - **Chief executive:** Darrel Hackett President and Chief Executive Officer, BMO Bank N.A.; CEO, BMO Financial Corp.; U.S. CEO, BMO Financial Group Confirmed 29 Sep 2026 · [bmo.com ↗](https://www.bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/darrel-hackett/) - **Chief financial officer:** Caroline Dufaux U.S. Chief Financial Officer Confirmed 29 Sep 2026 · [bmo.com ↗](https://www.bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/) - **Executive:** Aron Levine President, BMO U.S. Confirmed 29 Sep 2026 · [bmo.com ↗](https://www.bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/) - **Executive:** Justin Windschitl U.S. Chief Risk Officer, BMO Confirmed 29 Sep 2026 · [bmo.com ↗](https://www.bmo.com/en-us/main/about-bmo/who-we-are/leadership-governance/executive-bios/) ## Supervisors & regulators Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#overview-sources) - **United States:** Office of the Comptroller of the Currency Prudential supervisor AML supervisor Conduct - **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](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#overview-sources) 1. Apr 2026 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 ↗](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-28.html) 2. Jun 2025 Leadership BMO Financial Group appointed Aron Levine, formerly of Bank of America, as Group Head and President, BMO U.S. [newsroom.bmo.com ↗](https://newsroom.bmo.com/2025-06-05-BMO-Financial-Group-Announces-Executive-Appointments) 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:** 1. HATR Bank 2. US Country · United States 3. 44 Location 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 3Y4U8VZURTYWI1W2K376 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/3Y4U8VZURTYWI1W2K376) - **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](https://elucidate.co/directory/bmo-bank-n-a-hatrus44#bank-codes) ## Profile - **Type:** Financial institution - **Regulation:** Not on a tracked register - **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](https://elucidate.co/directory/bank-of-montreal-bofmcam2) · Canada[NQQ6HPCNCCU6TUTQYE16 ↗](https://search.gleif.org/#/record/NQQ6HPCNCCU6TUTQYE16) The Bank of Montréal group has 15 institutions in the directory, in 6 countries: all hold a BIC. Including [Bank of Montreal Europe PLC](https://elucidate.co/directory/bank-of-montreal-europe-plc-bofmie2d), [Bank of Montreal](https://elucidate.co/directory/bank-of-montreal-bofmcam2), [Bank of Montreal](https://elucidate.co/directory/bank-of-montreal-bofmgb2x), [Bank of Montreal](https://elucidate.co/directory/bank-of-montreal-bofmhkhh), [Bank of Montreal](https://elucidate.co/directory/bank-of-montreal-bofmus4x). [See the Bank of Montréal group →](https://elucidate.co/directory/group/NQQ6HPCNCCU6TUTQYE16) 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 ```xml HATRUS44XXX USABA 071000288 3Y4U8VZURTYWI1W2K376 ``` ### 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 ```xml HATRUS44XXX USABA 071000288 3Y4U8VZURTYWI1W2K376 BMO BANK N.A. CHICAGO US 320 SOUTH CANAL STREET CHICAGO 60603 ``` 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. ### Branch codes | BIC | Branch | City | Address | LEI | Updated | | --- | --- | --- | --- | --- | --- | | [HATRUS44BSL](https://elucidate.co/directory/bmo-bank-n-a-hatrus44-bsl) | — | Chicago | CHICAGO,IL CHICAGO,IL UNITED STATES OF AMERICA | [3Y4U8VZURTYWI1W2K376](https://search.gleif.org/#/record/3Y4U8VZURTYWI1W2K376) | 2023-09-14 | | [HATRUS44GTM](https://elucidate.co/directory/bmo-bank-n-a-hatrus44-gtm) | GLOBAL TREASURY MGMT | Chicago | CHICAGO,IL CHICAGO,IL UNITED STATES OF AMERICA | [3Y4U8VZURTYWI1W2K376](https://search.gleif.org/#/record/3Y4U8VZURTYWI1W2K376) | 2023-09-14 | | [HATRUS44SET](https://elucidate.co/directory/bmo-bank-n-a-hatrus44-set) | — | Chicago | CHICAGO,IL CHICAGO,IL UNITED STATES OF AMERICA | [3Y4U8VZURTYWI1W2K376](https://search.gleif.org/#/record/3Y4U8VZURTYWI1W2K376) | 2023-09-14 | [See every BIC in United States →](https://elucidate.co/directory/country/us#bics) ## Related institutions ### Same legal entity - [BMO Bank N.A. BIC BWSTUS66 Financial institution Not on a tracked register United States · Not on a tracked register · LEI 3Y4U8VZURTYWI1W2K376](https://elucidate.co/directory/bmo-bank-n-a-bwstus66) Other BICs mapped to the same LEI. ### Same group - [BMO Capital Markets Corporation BIC NETHUS33 Financial institution Not on a tracked register United States · Not on a tracked register · LEI RUC0QBLBRPRCU4W1NE59](https://elucidate.co/directory/bmo-capital-markets-corporation-nethus33) - [Bank of Montreal BIC BMSAUS41 Financial institution Not on a tracked register United States · Not on a tracked register · LEI BBNK6BK30UQKFSNV2N31](https://elucidate.co/directory/bank-of-montreal-bmsaus41) - [Bank of Montreal Europe PLC BIC BOFMIE2D Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI 5493000YPN33HF74SN02](https://elucidate.co/directory/bank-of-montreal-europe-plc-bofmie2d) - [Bank of Montreal BIC BOFMCAM2 Financial institution Not on a tracked register Canada · Not on a tracked register · LEI NQQ6HPCNCCU6TUTQYE16](https://elucidate.co/directory/bank-of-montreal-bofmcam2) - [Bank of Montreal (China) CO. Ltd. BIC BOFMCNBJ Financial institution Not on a tracked register China · Not on a tracked register · LEI P392SPI69NXUSZMACF80](https://elucidate.co/directory/bank-of-montreal-china-co-ltd-bofmcnbj) - [BMO Capital Markets Limited BIC NETHGB3L Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI L64HM9LHPDOS1B9HJC68](https://elucidate.co/directory/bmo-capital-markets-limited-nethgb3l) - [Nesbitt Burns BIC NESUCAM1 Financial institution Not on a tracked register Canada · Not on a tracked register · LEI M3LKFDNSJGJ7TMLH6Z15](https://elucidate.co/directory/nesbitt-burns-nesucam1) - [BMO Life Assurance Company BIC BOFMCAMB Financial institution Not on a tracked register Canada · Not on a tracked register · LEI EM9NIB0WONJGQBM1NS92](https://elucidate.co/directory/bmo-life-assurance-company-bofmcamb) [All 15 institutions in the Bank of Montréal group →](https://elucidate.co/directory/group/NQQ6HPCNCCU6TUTQYE16) ### Same name, different BIC - [BMO Bank N.A. BIC MARLUS44 Financial institution Not on a tracked register United States · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bmo-bank-n-a-marlus44) ### Largest institutions in the United States - [Citadel Advisors LLC BIC CITGUS44 Financial institution Not on a tracked register United States · Not on a tracked register · LEI 549300SHI4D0QGWI8X45](https://elucidate.co/directory/citadel-advisors-llc-citgus44) - [Brown Brothers Harriman and Co BIC BBHCUS3I Financial institution Not on a tracked register United States · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/brown-brothers-harriman-and-co-bbhcus3i) - [State Street Bank and Trust Company BIC SBOSUS3T Financial institution Not on a tracked register United States · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/state-street-bank-and-trust-company-sbosus3t) - [Sei Private Trust Company BIC SEICUS33 Financial institution Not on a tracked register United States · Not on a tracked register · LEI 254900F25IGTY0ETFV15](https://elucidate.co/directory/sei-private-trust-company-seicus33) - [State Street Bank and Trust Company BIC SBOSUS3C Financial institution Not on a tracked register United States · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/state-street-bank-and-trust-company-sbosus3c) - [BNP Paribas BIC BNPAUS31 Financial institution Not on a tracked register United States · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bnp-paribas-bnpaus31) - [State Street Bank and Trust Company BIC SBOSUSQ1 Financial institution Not on a tracked register United States · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/state-street-bank-and-trust-company-sbosusq1) - [Citadel Securities LLC BIC CITGUS33 Financial institution Not on a tracked register United States · Not on a tracked register · LEI 12UUJYTN7D3SW8KCSG25](https://elucidate.co/directory/citadel-securities-llc-citgus33) [See every BIC in United States →](https://elucidate.co/directory/country/us#bics) Claim this profile ## Work at BMO Bank N.A.? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. 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 →](https://elucidate.co/directory/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. ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.