I still have not heard anything from BMO Harris Bank about my account being frozen. I tried to email a person at the bank and it came back saying address not found. Now why would you put an email address on a business card that isn't real? I need my account open before July 30th cuz my ssi checks will be in. User's recommendation: Beware of bmo Harris Bank if you have been scared, they tell you what you want to hear but don't do squat to help you figure things out. They'll freeze your account without even letting you know.