BMO vs Huntington Bank

BMO is a midwest bank with options for low and high-balance customers. How does it compare to Huntington? Read our comparison chart below.

BMO has over 900 branches and is the 8th largest bank in North America by assets. Smart Advantage checking has no fee and no minimum balance if you opt for eStatements. Savings need just $100 to open with easy ways to waive fees. Special Rate CDs require a $5,000 minimum opening deposit.

While Huntington has nearly 1,200 branches throughout the Midwest. It offers a few checking and savings options. Minimum requirements are high on interest-bearing accounts, though it has a free checking option. 14 or 19-month CDs have a great rate with $1,000 minimum opening deposit.

Compare BMO with Huntington, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	BMO	Huntington Bank
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER BMO Smart Advantage Checking Account - Earn $350 Cash Bonus* - Learn More Read BMO Review	SPECIAL OFFER Business Checking Account - $1,000 Bonus - Learn More Read Huntington Review
	Benefits and Features
Savings	0.01% APY. $5 reward every month you save $200 or more, for the first year.	0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50.
CD	0.05% - 3.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.	0.50% APY for amounts ranging from $1,000 to $99,999.99. Minimum deposit is $1,000.
Checking	Smart Advantage, Smart Money, Relationship	Asterisk-Free Checking: No minimum balance and no monthly maintenance fees Huntington Perks Checking: 5 non-Huntington ATM withdrawals per month Huntington Platinum Perks Checking: Unlimited non-Huntington ATM withdrawals
Money Market	0.80% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.	0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington Perks or Huntington Platinum Perks Checking account.
ATMs	40,000+ BMO and Allpoint ATMs	over 1,800 ATMs
Customer Service	Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm	24/7
IRA CD	0.05% - 1.50% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit
IRA Money Market	IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee
Locations	981 branches	More than 1,000 branches
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Free checking with eStatements Large ATM network Good financial tools Cons: Limited branches Low savings APY	Pros: Free checking option 24-Hour Grace All day deposit Cons: Limited branches Low savings APY
Bottom Line	Midwest bank with options for low and high-balance customers... Read full review	Midwest bank with great account benefits and free checking option... Read full review
	Visit Site	Learn More
	BMO Smart Advantage Checking Account - Earn $350 Cash Bonus* BMO Smart Money Checking Account - Earn $350 Cash Bonus* Savings Account - Up to $60 Bonus	Business Checking Account - $1,000 Bonus Personal Checking Account - $600 Bonus Business Checking Account - $400 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BMO: Pricing information from published website as of 01/18/2025 based on 60603 zip code. Huntington: Pricing information from published website as of 02/05/2025 based on 43215 zip code.

Member FDIC

BMO Smart Advantage Checking Account - Earn $350 Cash Bonus*

$350 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 2/4/25 - 5/2/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC

Get Deal

Expires 5/2/2025

Member FDIC

BMO Smart Money Checking Account - Earn $350 Cash Bonus*

Get Deal

Expires 5/2/2025

Which is Better: BMO or Huntington?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing BMO or Chase.

In short: BMO's mobile app is notable. Huntington's savings and customer service are noteworthy. In particular, the customer service is impressive.

Articles on BMO

BMO Review

BMO offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on.

BMO Routing Number

If you have a BMO account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.

Who Owns BMO

BMO is a publicly-traded company with significant institutional investors. These include several well-known Canadian asset management firms and banks.

Is BMO an Ethical Bank

BMO has been recognized as one of the World's Most Ethical Companies for six consecutive years. How did they earn this award? Find out.

BMO Relationship Minimum Balance

Get more perks when you open a BMO Relationship Checking Account. Find out the balance you need to reach to unlock them.

Is BMO a Good Bank

Is BMO a good choice for your banking needs? Find out here.

Is BMO a Safe Bank

Wondering about the security of your funds with BMO? They have a Financial Crimes Unit backing you up, for one. Read on for more details.

What is BMO

BMO Harris is now BMO. But are they a legit bank? Find out if you should bank with them.

BMO Smart Money vs Smart Advantage

BMO's Smart Advantage has $0 monthly fees. Smart Money has no overdraft fees. Which one is a smarter choice? Read on to find out.

Is BMO a Real Bank

BMO, is a U.S bank, part of the Bank of Montreal. It offers solid basic checking options and a large ATM network. But, is it legit? Read on to find out.

Articles on Huntington Bank

Huntington Bank Review

Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you.

Huntington vs KeyBank

Huntington Bank Savings Account Interest Rates

Huntington Bank offers two savings accounts with low APY. Is it still worth it? Read on to find out.

Huntington Bank Problems

Huntington Bank could very well be one of the best regional banks, but it's not perfect. Find out what problems you may encounter with them.

Huntington Bank CD Rates

What's the Huntington Bank CD promotional rate? Read this review to find out if the APY is worth your time.

Huntington Bank Money Market Rates

Huntington Bank Relationship Money Market Account lets you earn interest on your savings. Find out if the APY is worth your time below.

Huntington Bank Hours

Huntington Bank is a full-service bank based in the Midwest. Find out when you can visit a local branch, drive-thru, or ATM near you.

Huntington Platinum Perks Checking

Earn $300 for opening a Huntington Platinum Perks Checking ℠ account with qualifying requirements. Find out how to take advantage of the huge cash bonus.

Huntington Perks Checking

Earn $200 for opening a Huntington Perks Checking ℠ account with qualifying requirements. Find out how to take advantage of the cash bonus promotion below.

Huntington Asterisk Free Checking

Huntington Bank is offering a $0 bonus when you open a new Asterisk-Free Checking® account with qualifying requirements. Find out how to take advantage of the promotion.

Huntington Bank Routing Number

You'll need the right routing number to transfer money in or out of your Huntington bank account. Learn which routing number you'll need for different transactions below.