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AWS re/Start Emerging Talent at BMO Financial Group - Amazon Web ServicesYes, a BMO Harris account is FDIC-insured up to $ per customer, per account ownership category. This means that even if BMO Harris. FDIC Cert #. ; Established. 05/17/ ; Bank Charter Class. National Banks, member of the Federal Reserve Systems (FRS) ; Primary Federal Regulator. Enjoy the BMO Alto Advantage � fdic icon. FDIC Insured � Earn high interest on your savings. Get a competitive interest rate � Move money quickly and easily.