Nationwide Building Society vs BMO Harris Bank
Nationwide Building Society
BMO Harris Bank
Total Assets
$370.0 million
Nationwide Building Society
$206.0 million
BMO Harris Bank
Digital Banking
4.1/5
Nationwide Building Society
4.2/5
BMO Harris Bank
Customer Service
4.1/5
Nationwide Building Society
4.1/5
BMO Harris Bank
Best Savings Rate
0.50%
Nationwide Building Society
0.30%
BMO Harris Bank
Detailed Comparison
Checking Account Comparison
Nationwide Building Society Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| Everyday Checking | $0 | $0 | $5 |
BMO Harris Bank Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| Smart Advantage Checking | $10 | $1,500 | $36 |
Savings Account Comparison
Nationwide Building Society Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| Regular Savings | 0.50% | Savings | $0 |
BMO Harris Bank Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| Statement Savings | 0.30% | Regular | $5 |
APY Comparison
Annual Percentage Yield (APY) shows the effective annual yield accounting for compound interest. Higher APY means more earnings on your deposits. Rates are accurate as of 6/19/2025 and may change based on market conditions.
Credit Card Comparison
Nationwide Building Society Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Nationwide Rewards Mastercard Rewards | No annual fee | 12.99% - 22.99% | 1% cashback |
BMO Harris Bank Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Elite Mastercard Rewards | No annual fee | 15.99% - 25.99% | 1% cashback 10,000 points |
Mortgage Comparison
Nationwide Building Society Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 30-Year Fixed | 3.50% | 3.63% | 30 years |
BMO Harris Bank Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 15 Year Fixed | 6.00% | 6.15% | 15 years |
Rate Information
Mortgage rates are subject to change based on market conditions and individual financial profiles. APR includes the interest rate plus other costs such as origination fees, discount points, and other closing costs. Contact each lender for personalized quotes based on your specific situation.
Strengths and Weaknesses
Nationwide Building Society
Strengths
- Excellent digital banking experience
- Superior customer service
- Larger branch network
- More ATM locations
- More competitive fee structure
- Higher savings account rates
Weaknesses
BMO Harris Bank
Strengths
- Excellent digital banking experience
- Superior customer service
Weaknesses
- Smaller branch network
- Fewer ATM locations
- Lower savings account rates
Which Bank is Right for You?
Choosing between Nationwide Building Society and BMO Harris Bank depends on your specific banking needs and preferences. Here's a quick guide to help you decide:
Choose Nationwide Building Society if you value:
- Lower fees and account costs
- Access to more physical branch locations
- Wider ATM network
- Higher interest rates on savings
Choose BMO Harris Bank if you value:
- Better digital banking experience
Customer Profile Considerations
Nationwide Building Society might be better for:
- • Customers who prefer in-person banking
- • Fee-conscious customers
- • Savers looking for higher yields
- • Tech-savvy customers
BMO Harris Bank might be better for:
- • Tech-savvy customers
Ready to Open an Account?
Compare specific account options from these banks
Rate Comparison Tools
Use our comparison calculators to see which bank offers better returns on your deposits or lower costs on loans.
Compare RatesRead User Reviews
See what actual customers are saying about their experiences with these banks.