BMO Harris Voided Check

A voided check from BMO Harris (now BMO) displays your BMO routing number and account number in MICR format at the bottom, with "VOID" across the face. Employers, billers, and institutions use this document to set up direct deposit, automatic payments, and verify your BMO account details.

BMO (Bank of Montreal) operates in the United States primarily through BMO Harris Bank, N.A., a subsidiary of BMO Financial Group (NYSE: BMO). Bank of Montreal was founded in 1817, making it Canada's oldest bank. BMO Harris Bank is a Member FDIC institution with deposits insured up to $250,000 per depositor. The bank serves millions of customers through approximately 500 branches across 14 states, with a strong presence in the Midwest. After acquiring Bank of the West in 2023, BMO expanded to the Western United States. BMO offers checking accounts, savings accounts, CDs, credit cards, personal loans, mortgage products, BMO Wealth Management, and BMO Capital Markets investment banking services.

To get a voided check from BMO using VoidedCheck.com: (1) Visit VoidedCheck.com and search for "BMO" or enter your routing number. (2) Enter your BMO account number from the app or a statement. (3) Add your name and address. (4) Preview the voided check. (5) Download as PNG or PDF. (6) Submit to your employer or biller.

Many BMO customers use the BMO Digital Banking app and online banking. When a voided check is needed, VoidedCheck.com generates one in under 60 seconds.

BMO Harris uses routing numbers by state. Common routing numbers include 071025661 for Illinois, 072000805 for Michigan, and 075000051 for Wisconsin. If you previously banked with Bank of the West, your routing number may have changed. Your current routing number is in the BMO app, on bmo.com, or on any BMO check.

Direct deposit setup is the most common reason BMO customers need a voided check. BMO offers checking products including BMO Smart Advantage Checking, BMO Smart Money Checking, and BMO Premier Checking. The voided check format is the same for all types.

Other uses include automatic mortgage payments, external account linking, loan application verification, and recurring ACH debits. VoidedCheck.com sources data from the Federal Reserve FedACH Participant Directory with AES-256 encryption.

Ready to generate your voided check? Create your BMO Harris voided check now — it takes less than 60 seconds with your routing number pre-filled.

Understanding the MICR Line on Your BMO Harris Voided Check

When your employer, landlord, or insurance company asks for a voided check, they are looking for a standardized document that contains your BMO Harris routing number and account number in a machine-readable format. The MICR (Magnetic Ink Character Recognition) line at the bottom of the check encodes these numbers in a format that payment processors and financial institutions can read electronically. This is the same format used on every physical check printed by BMO Harris and is the reason voided checks remain the gold standard for account verification even in the digital age. You can generate your BMO Harris voided check here on VoidedCheck.com with your routing number pre-filled — just enter your account number and download instantly.

Voided Check vs. Cancelled Check

A voided check from BMO Harris is different from a cancelled check. A voided check has never been used for a payment — it is a blank check with "VOID" written across the face to prevent anyone from filling in an amount and cashing it. A cancelled check, by contrast, is a check that was previously written, deposited, and processed by the bank. When someone asks for a voided check, they specifically need a blank check with your current routing and account numbers, not a record of a past transaction. Our voided check generator creates a properly formatted document with "VOID" clearly printed across the face, meeting the standard requirements of payroll departments and financial institutions nationwide.

Why a Voided Check Instead of Just Writing Numbers Down?

Many people wonder whether they can simply write their routing and account numbers on a piece of paper instead of providing a voided check. While some employers and billers will accept this, many require a voided check because it provides an additional layer of verification — the check format confirms that the routing and account numbers correspond to a real, active BMO Harris account. A voided check from VoidedCheck.com provides this verification in a professionally formatted document that meets the requirements of virtually all employers and financial institutions. Generate your BMO Harris voided check now — it takes less than 60 seconds.

How ACH Direct Deposit Works with Your BMO Harris Account

The ACH (Automated Clearing House) network processes billions of electronic transactions annually in the United States, including direct deposits, bill payments, and account transfers. When you provide a voided check to set up a new ACH transaction, the receiving organization uses your BMO Harris routing number to identify your bank and your account number to identify your specific account within that bank. This two-number system ensures your money reaches the right account every time. You can verify your BMO Harris routing number on this page and use our generator to create a compliant voided check document.