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Express Loan Pay Frequently Asked Questions | BMO Harris

BMO Harris Express Loan Pay gives you 24-hour access to make payments to your BMO Harris Auto or Consumer loan or First Mortgage accounts. The system may be 
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BMO Harris Express Loan PaySM Frequently Asked Questions

What is BMO Harris Express Loan Pay?

How do I make an online payment using the BMO Harris Express Loan Pay service?

Where do I find my BMO Harris Auto Loan account number?

What is the cutoff time for entering payments?

What is the Convenience Fee for making a same day payment?

How secure is BMO Harris Express Loan Pay?

What is an appropriate browser?

What are my obligations to help secure my transactions with BMO Harris Express Loan Pay service?

Who should I contact if I have questions about BMO Harris Express Loan Pay?

What hours is BMO Harris Express Loan Pay available?

How can I cancel a payment?

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Can I use BMO Harris Express Loan Pay to pay-off my loan?

What are the minimum and maximum payment amounts?

Can I future date a payment?

Can I set up automatic or reoccurring payments?

Error Messages

What is BMO Harris Express Loan Pay?

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BMO Harris Express Loan Pay provides a convenient and secure method to make same day payments to your BMO Harris Auto Loan or BMO Harris Consumer Loan or First Mortgage accounts directly from any checking account.

Please note: First Mortgage payments made after 5 p.m. central time will be processed the next Business Day. Auto or Consumer loan payments made after 10 p.m. (CT) will be processed the next Business Day. Business Days are Monday through Friday except federal holidays.

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How do I make an online payment using the BMO Harris Express Loan Pay service?

There are four basic steps involved in using the BMO Harris Express Loan Pay service to make online payments:

  • Enter your payment information: You will enter your First Mortgage or BMO Harris Auto or Consumer Loan account number and your payment amount.
  • Enter your contact information: You will enter your phone number and email address.
  • Enter your payment method information: You will enter your Checking account information.
  • Review and submit: You will be given an opportunity to review everything you’ve entered and change anything if necessary. Then you will submit the payment and receive your confirmation Reference ID.
  • Limited to one payment every 14 days. Additional payments can be made by mail, at the branch or by agent assisted Push to Talk payment.

You will need to enter this information each time you make a payment using the BMO Harris Express Loan Pay service.

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Where do I find my BMO Harris Auto Loan account number?

Your BMO Harris Auto Loan account number consists of the last 10 digits displayed in the “Account Number” area found in your coupon book. You can disregard the first five digits. Please refer to the example below:

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What is the cutoff time for entering payments?

The cutoff time for entering First Mortgage payments is 5 p.m. (CT). First Mortgage payments made after 5 p.m. (CT) will be processed the next Business Day. The cutoff time for making Auto or Consumer loan payments is 10 p.m. (CT). Auto or Consumer loan payments made after 10 p.m. (CT) will be processed the next Business Day. Business Days are Monday through Friday except federal holidays. Any payments made on weekends and holidays will be sent the next Business Day.

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What is the Convenience fee for making a same day payment?

There is no fee when making a same-day payment online.

You may also add BMO Harris Bank N.A. to your existing online bill payment service and make a payment via that provider.

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How secure is BMO Harris Express Loan Pay?

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The security of your financial information is of utmost importance to us. In order to safeguard the information available in BMO Harris Express Loan Pay, we have taken several precautions to ensure your safety:

  • We require strong encryption. Encryption is the method of “scrambling” information to protect its transmission over the Internet. You must use a browser that contains 128-bit encryption.
  • We have established firewalls. To build a barrier between an internal network and the Internet, a firewall is installed. The firewall becomes the only way anyone can access the network from outside. Because everything entering the network has to pass through the firewall, it controls all traffic between the network and everything outside it. Therefore, unauthorized users cannot access your account information.
  • We have a session time-out feature. If you remain inactive within your online session for 20 minutes, the system will automatically require your account number and the last four digits of your Social Security Number (SSN) to be entered before allowing any new payments.

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What is an appropriate browser?

Currently supported browsers are Internet Explorer 5.5 or higher and Netscape 7.2, with 128-bit encryption. Netscape Navigator® and Microsoft Internet Explorer® are available with 128-bit encryption. If your browser does not meet these requirements, click here to upgrade.

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What are my obligations to help secure my transactions with BMO Harris Express Loan Pay service?

As more completely spelled out in the Terms & Conditions, you are responsible for not giving out your Checking account information or bank routing information, or your BMO Harris account information to parties not obligated on your loan. Furthermore, you need to make sure that you are using an appropriate browser. Also, you should close your browser immediately after you are finished transacting your payment(s).

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Who should I contact if I have questions about BMO Harris Express Loan Pay?

For assistance with BMO Harris Express Loan Pay, please contact us to speak with a BMO Harris Representative for assistance with BMO Harris Express Loan Pay.

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What hours is BMO Harris Express Loan Pay available?

BMO Harris Express Loan Pay gives you 24-hour access to make payments to your BMO Harris Auto or Consumer loan or First Mortgage accounts. The system may be unavailable for a short period of time nightly for routine maintenance. Click here to Log In.

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How can I cancel a payment?

You may cancel any pending payment by calling 1-877-553-2265 before 9 p.m. CT on the day the payment was authorized by you for an auto or consumer loan and before 4 p.m. CT on the day the payment was authorized by you for first mortgage loans. Auto or Consumer loan payments made on a Business Day between 9 p.m. and 10 p.m. CT and first mortgage loan payments made on a Business Day between 4 p.m. and 5 p.m. CT cannot be canceled and will be processed on the same Business Day.

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Can I use BMO Harris Express Loan Pay to pay-off my loan?

No.

Please mail final Auto and Consumer loan payments to: BMO Harris Bank P.O. Box 5735, Carol Stream, IL 60197-5735

Please mail final First Mortgage loan payment to: BMO Harris Bank Attn: Payoff Department, Floor 2, Quad A, 1200 Warrenville Road, Naperville, IL 60563

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What are the minimum and maximum payment amounts?

The payment amount must be between $.01 and $5,000.00.

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Can I future date a payment?

No, you may not set up future date payments using BMO Harris Express Loan Pay.

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Can I set up automatic or reoccurring payments?

No, you may not set up automatic or reoccurring payments using BMO Harris Express Loan Pay.

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Error Messages

What does the error message “Payment Exceeds Defined Limits” mean?

The error message appears when an Auto or Consumer loan or First Mortgage payment has already been scheduled within 14 days of the date you requested. Please wait 14 days to schedule your next online payment. Contact us to speak with a BMO Harris Representative to make an agent assisted payment. No fee will be assessed for same day agent assisted payments.

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