On Friday, February 16 of 2024, I took a check that my employer wrote to me to the bank from which it is drawn and asked them to cash it. They refused, stating they didn’t have enough money on hand to cash the check. They told me they would have to have a special order to get the money delivered to them and they would not be able to place the order until Tuesday so they would have it Wednesday. I asked them to give me a call to confirm that it was in and ready for pick up before I drove all the way out there to collect my money and cash my check. They agreed. I went out there today because they never called me. They said they tried to call me, but that they could not get the call to go through. My phone never even rang today. It worked just fine though. I checked it. So there I am at the branch trying to cash the check and I see the same teller that I did on Friday and he’s telling me he cannot cash the check even though they had placed the money order and the money is there they cannot cash it because it exceeds the amount for which they have a policy and how much money can be cashed when it is a check. These people are interfering with a legal contract between myself and my employer for services rendered and are refusing to hold up the obligation of cashing, a check written from an account at their bank written to me. I am told to speak to another banker there at the branch. So I speak to the next banker, and she explains that it is policy that they cannot cash the check for this amount. She then takes the check away from me and goes off to speak with the manager and she’s back there for 45 minutes talking to the manager while I’m waiting in the lobby. The manager eventually comes out from behind the closed door to tell me that she cannot cash the check because it is a policy of the bank to not cash checks for large amounts. She then says she would be happy to deposit the amount into a new account in my name, and then I can slowly draw the money out, but that I cannot cash it because I’m not a customer and even if I were it exceeds the amount that they are by policy able to cash. This is bogus. This is the legal contract between my employer and myself, and the only part that they have to play in the legal contract is to convey the money from that account to me. They refused. The manager then tried to apologize to me and I told her that the apologies won’t work because it’s not gonna fix anything. This is horrendous that banks don’t carry money to cash checks anymore. It is awful that the bank has policies about letting money leave through the front door. They’re more than willing to take the money away from you, but they won’t give it back. Remember, this was on a Friday originally when I went to cash the check. Friday is the day when all the big deposits go in because businesses are closing for the weekend and they’re putting all the deposits in so they should have money. I told them hey, you don’t have the money on hand just give me a cashiers check or money order or even travelers checks and I’ll take care of it that way and they said they could not do that because I was not a customer. I am a guest. I am a guest with a legal contract That says that they are to pay me for the amount written on the check. They even called my employer a couple of times not just to verify the funds, but explain to him why they were refusing to honor the check. My employer then calls me and tells me that of all the branches that I went to, this particular branch is a bad branch because they are stereotyping me, and that they have a high crime rate in that area and I should not have gone to that branch. Why am I the bad guy for trying to cash a check from his account. Every branch should have the same upstanding behavior of treating me with dignity and respect and fulfilling the legal contractual obligation that they have to handle the money on behalf of my employer, and to fulfill the obligation of the contract by paying out that money.

Watch your accounts and transactions closely everyday with this bank!!!! I was a bank of the west customer for 27 years and NEVER HAVE I MET SUCH INCOMPETENT PEOPLE IN THE BANKING BUSINESS IN MY LIFE...here's my story I sent a payment for my car online on Aug 31 due to the labor day holiday which they took down arms and all mobile banking like 5 to 7 days to make final switch over to BMO...so my payment technically wasn't processed until set 5th I knew I was short so on the 5th deposited a 150 check from another BMO account and they bounced my payment ok so all well and good but not really at all how can money that is with same bank take 3 days to process??? It only gets better your mouth will drop just keep reading so ok my payment bounced so I hold off and beginning part of October I have an unauthorized payment come out of my account going to my car loan institute which I don't and never have had reoccurring set up payments through BMO or with my car loan institute.....I check my account every single morning so I figured ok so BMO took out and paid my September payment without my authorization but it was paid so didn't think anymore on the matter now here it is now November 2 and there is another withdraw same amount no authorization and now IM PISSED!!!! I SPENT 4 DAYS WITH 20 DIFFERENT PEOPLE MANY HOURS trying to get to the bottom of this every representative could see the issue put me on hold forever while stating talking to a banking specialist that many many disconnect language barrier or couldn't provide direction for a dispute to be placed.....a couple weeks later I finally had time to calm down and tackle this again ok so one of my calls while on hold waiting while they are talking to a specialist said they sent me an email on this issue on October 20th keep in mind this is now a month and a half after the bounced Sept 5th payment for insufficient funds so while on phone looked thru email and they couldn't even get date right it was sent and found by me on Oct 23rd...NOW LISTEN TO THIS!!!! Email read your payment bounced on Sept 5th so we will take it out on November 2nd ARE YOU KIDDING ME!!!!!! WHO HAS THE RIGHT TO EVEN THINK THEY CAN DO THIS!!!! AND PAY MY CREDITOR 3 MONTHS LATER I WAS FUMING...So once again I didn't get anywhere and placed another call days later I FINALLY got someone on a call that TRIED to help me as Remeber I've spent days and many hours up to this time with every person seeing this mistake finally again I was told ove4 and over money went to my creditor which it DIDNT I was in constant contact for 3 months they received the unauthorized payment in October but never received payment that I was told repeatedly went to them on November 2....and told if I want money back I needed to call them OMG IT GETS CRAZIER now if it was true it went to them I wouldn't be upset BUT THAT MONEY NEVER WENT THERE OR TO THEM SO WHERE DID IT GO???? THE explanation on my statement on November 2 was prenote adjustment from 9/5....ok so my final and last call with the one and ONLY helpful person through all of this said she sees the issues and that my next step they needed me to do is get a document from my loan institution showing my payment history and advising on their letterhead that no payment was received on November 2 came out of my account who the hell has it???? So now many more hours of my time wasted called my loan place as they for 3 months knew everything about this and said they would even join a call if needed this is coming from the branch manager going the extra mile to help like a good bank does and should...so get the document told needed and once received take it to my BMO branch and this should be taken care of rathe4 quickly WHAT ANOTHER CLUSTER YOU KNOW WHAT dropped off what was told needed they put on branch manager desk and since out of office to call him following week so I did THIS GUY WAS CLUELESS TALKED OVER ME WHEN TRYING TO EXPLAIN ONCE AGAIN WHAT TRANSPIRED he finally kind of yelled over me and said I'm just the branch manager and this is something I can't and don't even know how to do....LOL I WAS TOLD DOING THAT THINGS WOULD BE RESOLVED FASTER SO BACK AT SQAURE 1 AGAIN....was told he would look into and get back and did 2 days later stating no clue where to go but engaged office manager and provided me with a trace number told me to take it to my other institution and see if they can find it from that number he gave me after once again stating neither of them direct words know what they are even doing....called that branch manager he once again said they never received that payment and laughed a bit saying can't look into a trace number when a payment was never sent to them....ok called bmo manager back he for first time was nice said he will try and figure out how to do a dispute and will d9 all he can to get back in my account now through all of this BS all my calls on this never 1 piece of physical mail sent to me now I have 5 now 6 etc peices of mail about this dispute with wording that made me feel like the criminal here.....told ten days or so to reflect to make right and few days ago many more mailings saying denied case closed with marked LISTEN TO THIS AND WHAT WAS MARKED DENIED DUE TO I AUTHORIZED SEPTEMBER 5th Payment.....I WILL CONTINUE TO SPEND HOUR TIL I WAKE A CEO CFO UP AT 2AM UNTIL THIS IS ADDRESSED AND WORKED TO MAKE RIGHT......QUESTION I WANT TO KNOW WHERE THAT MONEY WENT AND NOT ONE PERSON FROM BMO CAN TELL ME THAT NO NAME ADDRESS OF MY FINANCIAL INSTITUTION JUS5 SOMETHING 3 MONTHS DOWN THE ROAD PRENOTE ADJUSTMENT FOR 9/5....I WILL CONTINUE TO POST REVIEWS TO WARN OTHERS ABD UNTIL THIS IS SETTLED BY SOMEONE THAT KNOWS WTF THEIR DOING.....WATCH YOUR ACCIUNTS CLOSE PEOPLE!!!!!!

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Worst, worst, very worst Banking Institution I have ever dealt with. Paid off my loan before the next payment was due and they are still trying to take a payment from my account. On the phone for over 2 hours and cannot get it resolved. Now waiting for a call back that could take up to 6 hours. Girl I spoke to would not answer simple questions like who is going to call me back, are they in your office, can you walk over and talk to them. Would not answer those simple questions. That sure tells me they are hiding something. Comment 8 votes | Report Post

I withdrew my funds after only one year. The manager could not answer any questions about the bank's policies and did not try to find answers for my financial questions. He did not show up for appointments either. At first I thought it was because I live in a small town, but no, it was just plain incompetence and shady practices, such as not posting deposits for several days and not having tax statements on interest available at the bank. High stress trying to work with this bank. Hope it goes bankrupt!

I opened multiple CDs accounts with 12 months terms. Closed one CD to withdraw funds and was okay with the multiples fees linked to closing a CD but could not withdraw my funds. So I was adviced by their representative to open a savings account and move the funds there to transfer to my account. I did and still could not transfer my funds and BMO again requested that I open a checking account and order checks, which I did because I needed these funds right away. I opened the checking account and they said I had to fill out paper work that takes a week to be prosseced in order to withdraw funds. I DID NOT HAVE ACCESS TO MY MONEY FOR 2 MONTHS AFTER CLOSING THE CD ACCOUNT. After all these hazzle I decided to close all my accounts when the CD matured and at the day of closing my other CD accounts the amount of the interest earned was reduced with no reason at all, no mail, no email, not a single notification of why they will charge me for anything else. DO NOT OPEN ANY ACCOUNT WITH THIS BANK. Customer service sucks since they don't know what they are doing. Once you place your money here, you will have a hard time to withdraw and they will give you less of the amount of your balance. THIS BANK HAS NO HONESTY AND IT IS NOT TRANSPERENT.

BMO does not deserve the one star that is required! I was originally a customer of Bank Of West, but unfortunately the company was sold to BMO. Customer service is nothing but a joke. We called with a problem and we were told by three rude representatives that we could not do what we were needing to do. We asked to speak to a manager, but was given the run around and told to leave a message. Over a week later we received a letter in the mail that contradicted everything that the "customer representatives" had told us. It turns out that we could do what we were needing to do! The same day my husband was able to get a manager on the phone. He asked the same question to the manager, and was told that they could not help with our problem, but after reading the piece of mail that confirmed that we could fix our problem and after the manager finding the letter and seeing what it said, they were more than glad to change their "rules". The manager was overall the nicest person we talked to but that was after the letter had proved everyone wrong. I would not recommend banking or taking a loan out with this business.

The representatives are not trained well. I called several times in the last month hoping to get someone who could help me with my issue and every time I get transferred at least five times to another department and they still have not resolve my issue.

I hate that my bank, Bank of The West was sold to BMO . I always got free printed checks from Bank Of The West. I only needed 2 a month. And they didn't charge for me depositing cash into my business account. I hate BMO. They suck. I'm looking into other banks. I was Soo happy with Bank Of The West. Also Bank Of The West has excellent customer service.. Now.. I call and I love everyone.. But there's a language barrier which I don't appreciate it.

Now in India and not helpful. I actually thought that banks had learned that their customers want to speak with a competent person.