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Why You Should NEVER Work With BMO Harris Bank - THE BIG RANT - The Chris and Andre ShowBMO Harris Bank Reviews. � Bad. BMO has received an A+ rating from the Better Business Bureau. A strong BBB rating signifies the company is transparent in how it handles business. BMO is FDIC-insured (Cert #). So like other FDIC bank members, your deposits at BMO are covered for up to $, in the unlikely event.