BMO Harris Bank, N.A., also known as BMO (), is an American bank based in Chicago, Illinois. It is an independent subsidiary of the multinational investment bank and financial services company Bank of Montreal, which owns BMO Harris Bank through the holding company BMO Financial Corporation (formerly Bankmont Financial Corporation, then Harris Financial Corporation). BMO Harris Bank is a member of the Federal Reserve System and one of the largest banks in the United States. It has over 1,100 branches and roughly 2,300 ATMs and employs 23,800 staff across the states of Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida, Wisconsin, and California. Harris Bank traces its history to 1882 in Chicago, and became an acquired subsidiary of Bank of Montreal in 1984. BMO has since increased its presence in the U.S. through a series of acquisitions of other banks, such as Suburban Bancorp in 1994, Marshall & Ilsley in 2010, and Bank of the West in 2023. History In 1882, Norman Wait Harris established N.W. Harris & Co., a Chicago-based municipal bond broker and the forerunner of Harris Bank. Harris Trust and Savings Bank was established 1907. It merged with Chicago National Bank in 1960 and was restructured as Harris Bank, N.A. in 1972. Bank of Montreal (later known as BMO Financial Group) acquired Harris in 1984. The bank grew rapidly through a series of acquisitions beginning with the First National Bank of Barrington in 1985, State Bank of St. Charles and First National Bank of Batavia in 1988 and Libertyville Federal Savings Bank and Loan and Frankfort Bancshares in 1990. Harris Bankcorp and Suburban Bancorp combined under the Harris name in 1994 and two years later, the company acquired 54 Chicago area branches from Household Bank. In 1999, the direct brokerage firm Burke, Christensen & Lewis merged with Harris Investors Direct to form Harris InvestorLine. The company's further acquisitions include Freeman Welwood in 2000; Village Bank of Naples, and Century Bank (Arizona) and First National Bank of Joliet in 2001; Northwestern Trust and Investors Advisory Company (Seattle) in 2002. Also in 2002, InvestorLine combined with CSFBdirect to form Harrisdirect and Harris acquired online client accounts of Morgan Stanley Individual Investor Group and myCFO. The following year, it purchased Sullivan, Bruyette Speros & Blayney Incorporated, followed by Lakeland Community Bank in Round Lake, and Villa Park Trust and Savings Bank in 2005. BMO continued its acquisitions in 2007 with First