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BMO Harris Bank

Sponsor bank
Sponsor Bank

Sponsor bank tracked in the Embedded Finance Index. Named by 2 companies, most often as their sponsor bank.

bmoharrisbank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank
Rank#81 of 201 in Sponsor Bank
Buyers2 companies
HeadquartersChicago, Illinois, USA
Founded1882

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How companies use BMO Harris Bank

2 companies name BMO Harris Bank in their stack. All of them use it as their sponsor bank.

Sponsor bank2
Background · from BMO Harris Bank’s own dossier

BMO Harris Bank is the U.S. commercial and retail bank subsidiary of Bank of Montreal, built up through decades of acquisitions of Chicago-area and Midwest banks — culminating in the 2011 Marshall & Ilsley deal and the 2023 Bank of the West acquisition, which extended its footprint into the U.S. West and made it the 15th-largest U.S. bank by assets. In 2024 the U.S. entity was rebranded from 'BMO Harris' to simply 'BMO' (legal name BMO Bank, N.A.), consolidating the parent group's global identity. As a full-service national bank it operates its own charter, card issuance, and payments infrastructure rather than relying on BaaS providers.

Recent developments
  • 2024Retired the BMO Harris Bank brand; U.S. subsidiary now operates as BMO Bank, N.A. source ↗
Acquisitions
Suburban Bancorp1994
Chicago-area community bank holding company
Marshall & Ilsley2011
Wisconsin-based regional bank acquisition that materially expanded BMO's U.S. Midwest footprint
Bank of the West2023
Acquired from BNP Paribas for ~$16.3B, extending BMO's U.S. footprint into the West Coast
Full dossier: BMO Harris Bank’s own stack, layer by layer →
Who uses BMO Harris Bank
2 companies disclose BMO Harris Bank in their stack
GreenskyNorth American Bancard
Buyer mix · 2 of 2 classified
Fintech / Lending · 1Fintech / Payments · 1
US · 2
What the disclosures say
Greensky
“Bank partners (Goldman Sachs Bank USA, Midland States Bank, Synovus Bank, Fifth Third Bank, JPMorgan Chase Bank, BMO Harris Bank) fund the loans; GreenSky is the technology platform and servicer.”
North American Bancard
“northamericanbancard.pro contact page footer states: 'North American Bancard is a registered ISO of BMO Harris Bank N.A., Chicago, IL, Fresno First Bank, Fresno, CA, and Citizens Bank N.A., Providence, RI.' Known customer listings also include Wells Fargo Bank, The Bancorp Bank, FFB Bank.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent BMO Harris Bank? Claim this profile above to unlock your own full list.
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What BMO Harris Bank runs on · from its own dossier
The third-party providers BMO Harris Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose BMO Harris Bank.
Card Network
Mastercard
Insurance
New Hampshire Insurance CompanyVirginia Surety CompanySedgwick Claims Management Services
Full dossier with evidence for each layer →
Other banks in Sponsor Bank

Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust101 buyers →Sutton Bank65 buyers →Cross River64 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →
Share this rank

An embeddable badge for BMO Harris Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #81 of 201 in Sponsor Bank — Embedded Finance Index 2026
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       alt="Ranked #81 of 201 in Sponsor Bank — Embedded Finance Index 2026">
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BMO Harris Bank — frequently asked

Which companies use BMO Harris Bank?

2 companies disclose BMO Harris Bank in their stack in the Embedded Finance Index 2026, including Greensky and North American Bancard.

What do fintechs use BMO Harris Bank for?

BMO Harris Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (2).

What are the alternatives to BMO Harris Bank?

The most-disclosed Sponsor Bank alternatives to BMO Harris Bank are Evolve Bank & Trust (101 buyers), Sutton Bank (65 buyers), Cross River (64 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Who founded BMO Harris Bank?

BMO Harris Bank was founded by Norman Wait Harris and is founded in 1882, headquartered in Chicago, Illinois, USA.

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