BMO Harris Express Pay: A Comprehensive Guide to Making Same-Day Payments

In today’s fast-paced world, convenience is king. And when it comes to managing your finances, having a reliable and efficient payment system is crucial. BMO Harris Express Pay is a convenient online service that allows you to make same-day payments to your BMO Harris loans from any bank account. Whether you’re paying off your car loan, personal loan, or line of credit, BMO Harris Express Pay makes the process quick, easy, and secure.

Making Same-Day Payments with BMO Harris Express Pay

Making a same-day payment with BMO Harris Express Pay is a straightforward process. Here’s a step-by-step guide:

  1. Gather your information: Before you start, ensure you have your BMO Harris loan account number, routing number, and payment amount readily available.

  2. Access the Express Pay website: Visit the BMO Harris Express Pay website using your preferred web browser.

  3. Enter your account information: Once on the website, enter your BMO Harris loan account number and routing number.

  4. Provide payment details: Specify the payment amount, your checking account information, and the date you want the payment to be processed.

  5. Review and confirm: Carefully review all the information you’ve entered to ensure accuracy. Once satisfied, click the “Submit Payment” button.

  6. Receive confirmation: You’ll receive a confirmation email or notification indicating that your payment has been successfully processed.

Setting Up Recurring Payments

BMO Harris Express Pay also allows you to set up recurring payments to automatically deduct a fixed amount from your checking account on a predetermined schedule. This option is particularly useful for ensuring on-time loan payments and avoiding late fees.

To set up a recurring payment, follow these steps:

  1. Access the recurring payments section: On the BMO Harris Express Pay website, navigate to the “Recurring Payments” section.

  2. Choose your payment plan: Select the frequency of your recurring payments, such as monthly, quarterly, or annually.

  3. Enter payment details: Provide the payment amount, your checking account information, and the starting date for the recurring payments.

  4. Review and confirm: Review the recurring payment details thoroughly and confirm your selection.

  5. Activate recurring payments: Click the “Activate Recurring Payments” button to finalize the setup process.

Managing Your Account

BMO Harris Express Pay provides a user-friendly online platform to manage your account effectively. You can:

  • View payment history: Track your past payments and check their status.

  • Edit recurring payments: Modify the amount, frequency, or starting date of your recurring payments.

  • Cancel recurring payments: Discontinue recurring payments if necessary.

Benefits of Using BMO Harris Express Pay

BMO Harris Express Pay offers several advantages for managing your loan payments:

  • Convenience: Make same-day payments from any bank account, anytime, anywhere.

  • Efficiency: Set up recurring payments to automate your loan installments.

  • Security: Utilize secure encryption and data protection measures to safeguard your financial information.

  • Transparency: Access detailed payment history and manage your account effortlessly.


BMO Harris Express Pay streamlines the process of making loan payments, ensuring convenience, efficiency, and security. With its user-friendly interface and comprehensive features, BMO Harris Express Pay is an invaluable tool for managing your finances and staying on top of your loan obligations.


What types of loans are eligible for BMO Harris Express Pay?

BMO Harris Express Pay can be used to make payments for automobile loans, boat loans, RV loans, personal loans, personal lines of credit, and business-purpose loans and lines of credit.

What is the maximum payment amount that can be made through BMO Harris Express Pay?

The maximum single payment amount that can be made through BMO Harris Express Pay is $5,000.

How long does it take for a payment made through BMO Harris Express Pay to be processed?

Payments made before 10 pm (CT) will be processed on the same business day. Payments made after 10 pm (CT) will be processed on the next business day.

What are the business hours for BMO Harris Express Pay?

BMO Harris Express Pay is available 24 hours a day, 7 days a week.

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