Convert BMO Harris Bank CSV to QuickBooks (.QBO)
Works with BMO Harris Bank CSV and Excel exports Nothing uploaded
BMO Harris Bank (now branded BMO) is one of the more frustrating exports for QuickBooks users. The standard online banking download often gives you a CSV file, and QuickBooks Desktop will not open a CSV through Bank Feeds. A common complaint after the BMO Digital Banking migration is exactly this: the website downloads a CSV, but QuickBooks wants a Web Connect (.qbo) file.
BMO does publish QuickBooks conversion instructions and, for some account types, a Web Connect (.qbo) or Quicken (.qfx) download exists. But many BMO Harris customers, especially on business and credit card accounts, find the .qbo option missing or broken, and direct bank feed connections drop after the migration. That leaves the CSV as the only export they can actually get.
QBO Maker closes the gap. It reads your BMO Harris CSV (or Excel file) and builds a valid .QBO right in your browser. Nothing is uploaded. Map the date, description, and amount columns, download the .QBO, and import it through Web Connect into QuickBooks Online or Desktop. Start on the converter.
.QBO QuickBooks accepts. For BMO Harris Bank, its dates are usually MM/DD/YYYY, and amounts arrive as a separate debit/credit columns (Withdrawals and Deposits), both detected automatically.A typical BMO Harris Bank export has columns like Date, Description, Withdrawals, Deposits, Balance and uses MM/DD/YYYY dates. QBO Maker auto-detects these, just confirm the mapping.
How to import BMO Harris Bank statements into QuickBooks
- Export your transactions from BMO Harris Bank online banking as CSV or Excel.
- Open the QBO Maker converter and drop the file in.
- Confirm the auto-detected date, amount (or separate debit/credit) and description columns.
- Choose .QBO as the output and click download.
- In QuickBooks Online: Transactions → Bank transactions → Upload from file, then select the .QBO. In Desktop: Banking → Bank Feeds → Import Web Connect File.
BMO Harris Bank-specific things to watch for
- BMO often exports debits and credits as two separate columns (Withdrawals and Deposits) rather than one signed amount. Map both during conversion so the signs come out right.
- After the BMO Digital Banking migration, saved QuickBooks bank feed connections frequently break. The CSV-to-QBO route does not depend on a live connection, so it keeps working.
- Credit card transactions sometimes export with reversed signs compared to checking. Check a known charge after import and use the converter's flip-sign option if needed.
- BMO descriptions can run long with reference codes. They import fine, but you may want to trim them in QuickBooks rules afterward.
QuickBooks Online vs Desktop
QuickBooks Online: Transactions → Bank transactions → Upload from file → choose your .QBO. QuickBooks Desktop: Banking → Bank Feeds → Import Web Connect File. Desktop is stricter about the bank ID, BMO Harris Bank's routing number is often 071025661, which we prefill when you open the converter from this page.
Frequently asked questions
Why does QuickBooks reject my BMO Harris download?
Because BMO frequently gives you a CSV, and QuickBooks Desktop cannot import a CSV through Bank Feeds (it needs a Web Connect .qbo file). QuickBooks Online accepts CSV but is strict about columns. Converting the BMO CSV to a proper .QBO with QBO Maker removes both problems.
BMO splits debits and credits into two columns. Does that work?
Yes. On the mapping screen, point one field at the Withdrawals (debit) column and the other at the Deposits (credit) column. QBO Maker combines them into a single signed amount in the .QBO so QuickBooks shows money in and money out correctly.
Will this work now that BMO Harris is just BMO?
Yes. The rebrand and the Digital Banking migration changed the website, not the CSV. As long as you can download a CSV (or Excel) of your transactions, QBO Maker converts it. This also helps when the post-migration bank feed connection drops.
Is my BMO data safe?
Yes. Conversion happens entirely in your browser. Your transaction file is never uploaded to any server, so your BMO account data stays on your machine.
Convert your BMO Harris Bank statement now
Free, in your browser, nothing uploaded. We will prefill the BMO Harris Bank routing number for you.
Open the converter