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Payoff Addresses

BMO Harris Bank Payoff Address! (Full 2022 Guide!)

Jamey Muller
Updated: October 21, 2022
3 min read

BMO Harris Bank offers specific addresses and phone numbers for standard and overnight payoff checks. However, finding the correct payoff address and phone number can be quite tricky.

Below, I have listed the BMO Harris Bank payoff address, the BMO Harris Bank overnight payoff address, and the BMO Harris Bank payoff phone number.

BMO Harris Bank Payoff Address:

PO Box 6201
Carol Stream IL 60197

Note that your BMO Harris Bank payoff address might be different, it is best to give BMO Harris Bank a call, or request a payoff letter before sending your check.

BMO Harris Bank Overnight Payoff Address:

FIS
BMO Harris Lockbox 9202
270 Remington Blvd Suite B
Bolingbrook IL 60440

Note that your BMO Harris Bank overnight payoff address might be different, it is best to give BMO Harris Bank a call, or request a payoff letter before sending your check.

Also, check the terms of BMO Harris Bank for sending overnight payments. They might require you to use FedEx, or a different delivery service, when sending overnight payments.

BMO Harris Bank Payoff Phone Number:

(877) 435-7330

It’s best to give BMO Harris Bank a call to check that you have the right address and correct payoff amount before sending your check.

Where Can I Find My BMO Harris Bank Payoff Address?

The easiest way to find the correct payoff address is to call BMO Harris Bank.

BMO Harris Bank, as most other financing companies, like State Farm Bank, offer a number of specific P.O. boxes and physical addresses to mail your standard, or overnight checks to.

Alternatively, you might also be able to complete your BMO Harris Bank payoff payment by logging in to your account, selecting “Profile”, or “Manage Account”, then selecting “Request A Quote”.

If you choose to call BMO Harris Bank or use their online services you won’t have an official and more importantly legally binding document. That's why I always recommend requesting a payoff letter from BMO Harris Bank.

Request A Payoff Letter From BMO Harris Bank:

When you want to pay off a loan it’s hard to find out exactly how much you need to pay. Interest is added to your loan balance every day (or sometimes once a month), that’s why your loan balance changes daily.

If you write your payoff check using the loan balance from your last statement you probably fail to pay the full amount.

This will be a frustrating experience for you, you’ll need to get in contact with BMO Harris Bank, send an additional check, and wait longer to pay off your loan.

That’s where a payoff letter comes in, you can request a payoff letter directly from BMO Harris Bank by calling their customer service or sending them a message. A payoff letter is an official document that lists the following:

  • The date the payoff amount expires
  • If a cashier’s check is required
  • Where to send the check to (the payoff address)
  • If you have to include any extra charges with your final payment (closing fees or penalties, for example)

Most lenders send the payoff letter within a few days, the maximum they have to send the payoff letter according to federal law is seven days.

Note: Some lenders have a different definition of what a payoff letter is. They use the term payoff letter to describe a letter that states that the loan has been paid off and functions as proof that the loan no longer exists.

What Happens If You Mailed Your Check To The Wrong Address?

If you mail your check to the wrong address there can be delays which usually mean that you have to pay additional fees.

To prevent additional fees you should call BMO Harris Bank, or request a payoff letter to double-check that the address hasn’t been changed and that you wrote the correct amount on your payoff check.

Payoff amounts include not only principal and interest they also include prepayment fees or any other additional fees. Therefore it’s important to send the check with the correct payoff amount to the right address, if the check doesn’t reach BMO Harris Bank at the right address, or the payoff amount isn’t correct more interest will accumulate over time.

Written by
Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.
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Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.