# Convert BMO Harris Bank CSV to QuickBooks (.QBO)

_Canonical: https://qbomaker.com/banks/bmo-harris-bank.html_

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.

## Steps

1. Export your transactions from BMO Harris Bank online banking as CSV or Excel.
2. Open the QBO Maker converter and drop the file in.
3. Confirm the auto-detected date, amount (or separate debit/credit) and description columns.
4. Choose .QBO as the output and click download.
5. In QuickBooks Online: Transactions → Bank transactions → Upload from file, then select the .QBO. In Desktop: Banking → Bank Feeds → Import Web Connect File.

**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 free at https://qbomaker.com/#tool, runs entirely in your browser.