Top

 

 

Compare your checking options

BMO Harris Smart Money™
Account

A low monthly fee checking account with no overdraft or NSF fees.

 


A $200 bonus1 promo code will be automatically applied if you apply online now.


Open now

This starts your application


Benefits include:
  • No overdraft or NSF fees
  • No minimum balance required
  • $5 monthly maintenance fee is waived if you're under 25
  • $2 paper statement fee is waived with eStatements2 if you're under 25
  • Unlimited fee-free transactions at over 40,000 Allpoint® network ATMs nationwide
  • No fee for withdrawals and deposits at BMO Harris ATMs or branches
  • Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard®

Our mobile application experience is being enhanced. For now, it’s best to apply from your desktop.

BMO Harris Smart Advantage™
Account

A checking account with no monthly fees2 with eStatements.

 


A $200 bonus1 promo code will be automatically applied if you apply online now.


Open now

This starts your application


Benefits include:
  • No monthly maintenance fee
  • $2 paper statement fee2 waived with eStatements
  • Unlimited fee-free transactions at over 40,000 Allpoint® network ATMs nationwide
  • No fee for withdrawals and deposits at BMO Harris ATMs or branches
  • Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard®

Our mobile application experience is being enhanced. For now, it’s best to apply from your desktop.

BMO Harris Premier™
Account

A premium checking account that rewards you with special customer benefits.

 


A $200 bonus1 promo code will be automatically applied if you apply online now.


Open now

This starts your application


Benefits include:
  • Unlimited non-BMO Harris ATM transactions3
  • Get a rebate of $25 monthly on ATM surcharge fees charged by other banks
  • Tiered rate of interest – the higher your balance, the more you may earn
  • $30 monthly maintenance fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver4, or a BMO Harris Financial Advisors, Inc. investment account5
  • Fees waived on Cashier's Checks, Money Orders, paper statements and more

Our mobile application experience is being enhanced. For now, it’s best to apply from your desktop.

 



Different views of the BMO Harris Mobile Banking Application

Mobile Banking6 tools to simplify your day-to-day.

 

  • Use People Pay to send money to almost anyone in the U.S. with a U.S. bank account and an email address7
  • Withdraw cash without your ATM or debit card at most BMO Harris ATMs using Mobile Cash8
  • Get a view of all your accounts — even those not with us — using BMO Harris Total Look® Mobile9
  • Set up automatic online payments with BMO Harris Bill Pay®10

 

 

Find the award-winning11 BMO Harris Mobile Banking® App in the App Store® or Google Play.

 


  1. If you are opening your account online or by phone, effective August 16, 2017, you must reside in a state that BMO Harris operates retail branches and use that address to open the account. BMO Harris currently operates retail branches in Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota and Wisconsin. To receive the bonus: 1) Open a new BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account, or BMO Harris Premier™ Account between January 1, 2018 and June 29, 2018 online by clicking “open now” above. 2) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of $500 or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 3)Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard® post to your account within 90 days of account opening. Offer is not available to existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer cannot be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer.
     

    Bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Your account must be open and in good standing when the bonus is paid approximately 120 days after opening. For BMO Harris Premier™ Account, the accrued interest will be increased by the amount of the bonus. The accrued interest will be credited at the next scheduled interest payment, which may be after the 120 days.
     

    Minimum opening deposit of $25 is required for BMO Harris personal checking accounts. BMO Harris Premier™ Account is a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of May 4, 2018. BMO Harris Premier™ Account: 0.05% for balances between $0.01-$4,999.99; 0.10% for balances between $5,000-$9,999.99; 0.15% for balances between $10,000-$24,999.99; 0.20% for balances between $25,000-$49,999.99 and 0.25% for balances of $50,000 or more. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier in order to earn the APY disclosed. A periodic rate is applied to the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the business day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmoharris.com.
     

  2. $2.00 monthly fee for paper statements is waived when you sign up for eStatements in BMO Harris Online Banking®.
     

  3. The ATM Operator or network may charge you a fee for a transaction or balance inquiry.
     

  4. Certain conditions apply. BMO Harris does not automatically link your accounts for Relationship Waiver. Additional information on Relationship Waiver can be found in the Deposit Account Disclosures and the Deposit Account Agreement for Personal and Business Accounts.
     

  5. You must request this waiver from a BMO Harris banker. The Account Owner must also be an owner of the BMO Harris Financial Advisors, Inc. investment account. Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc Member FINRA/SIPC. SEC-registered investment adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered are: NOT FDIC INSURED - NOT BANK GUARANTEED - NOT A DEPOSIT - MAY LOSE VALUE.
     

  6. Message and data rates may apply. Contact your wireless carrier for details.
     

  7. People Pay is available for BMO Harris Mobile Banking® smartphone apps only. For details, see the BMO Harris Mobile Banking® End User Terms found at bmoharris.com/legal.
     

  8. BMO Harris Mobile Cash® is available for BMO Harris Mobile Banking® smartphone apps only. For details, see the BMO Harris Mobile Banking® End User Terms found at bmoharris.com/legal. Users must have a BMO Harris debit or ATM card. Even though a physical card isn't used to access Mobile Cash, the service is still considered a card transaction and transactions are subject to daily transaction limits for your card. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265.
     

  9. BMO Harris Total Look® Mobile is available for select BMO Harris Mobile Banking® Apps.
     

  10. Available to BMO Harris Bill Pay® customers only. Add bill payment to your online banking account by signing on and clicking the Payments tab, then the Enroll button.
     

  11. BMO Harris was recognized as the “Most Innovative Financial Institution” at the 2015 ATM & Mobile Innovation Summit, which recognized innovators in ATM and mobile technology. This award was presented by Networld Media Group, publishers of ATMmarketplace.com and MobilePaymentsToday.com.
     

  12. App Store is a servicemark of Apple Inc.

     

    Google Play is a trademark of Google Inc.

     

    Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Thanks! Check your inbox for your coupon.

 

 

Bring it to a branch and open your account! Or, open your account online by clicking “open now” below. We’ll automatically apply your $200 bonus1 promo code.