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BMO HARRIS BANK : Test \u0026 Review in 2024 (is this bank reliable?)BMO offers % APY automatically, with the opportunity to earn up to % APY after bundling the account with a BMO Relationship Checking account. � The. Headquartered in Chicago, BMO (formerly known as BMO Harris) offers certificates of deposit (CDs) with a range of term options with rates up to %. BMO offers several good options for checking and savings accounts with no maintenance fees or onerous minimum balance requirements -- a major.