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? How To Open BMO Harris Bank Account (Full Guide)BMO Harris Bank, N.A. is a United States bank based in Chicago, Illinois. It is a member of the Federal Reserve System and operates branches. In , BMO became the first Canadian bank to acquire an American bank, Harris Bank. Medal commemorating the Bank of Montreal's original. Also, that month, its BMO Harris division was operating in eight states in the US. In December , Bank of Montreal agreed to purchase Bank of the.