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BMO Harris
Smart Money™ Account

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


$5
Monthly maintenance fee
waived if you’re under age 25
$0
No overdraft or NSF fees
Unlimited transactions at
40,000+ fee-free U.S. ATMs
We suggest:
Most Popular BMO Harris
Smart Advantage™ Account

No monthly fees1 with eStatements.

$0
Monthly fees1 with eStatements

$0
Monthly fees1 with eStatements
 
No fees at 40,000+ U.S. ATMs

Unlimited transactions at
40,000+ fee-free U.S. ATMs
$0
minimum balance required2
We suggest:
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BMO Harris
Premier™ Account

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


$30
Waivable monthly maintenance fee
 
Unlimited
non-BMO Harris ATM transactions3
$25 monthly rebate on ATM surcharge fees
from other banks

Your checking account comes with a Debit Card

View our selection of cards

BMO Harris Bank Debit Mastercard®

BMO Harris Bank Debit Mastercard<sup>®</sup>
Access funds in your checking, savings or money market accounts 24/7.
Learn more about BMO Harris Bank Debit Mastercard®

BMO Harris Bank World Debit Mastercard®

BMO Harris Bank World Debit Mastercard<sup>®</sup>
Access your funds and get premium travel services for those that are on the go.
Learn more about BMO Harris Bank World Debit Mastercard®

BMO Harris Bulls, Blackhawks & Bucks Debit Mastercard®

BMO Harris Bulls, Blackhawks & Bucks Debit Mastercard<sup>®</sup>
Show your pride with a Bulls, Blackhawks or Bucks card and get team perks!
Learn more about BMO Harris Bulls, Blackhawks & Bucks Debit Mastercard®

Why bank with us

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  • 40,000+ Fee Free ATMs
    Convenient access to the Allpoint® nationwide network of ATMs—free of charge. That’s more than what’s offered by three leading banks combined.
  • Dedicated customer support
    Reach out to us for assistance with your personal checking needs. We want you to have the best banking experience!
  • Bank on the go
    Freedom to bank your way—deposit checks4, pay bills5, move funds— when you want on your device6.
  • Control at your fingertips
    Manage your accounts with handy online tools and features. You can monitor transactions, set up automatic payments, get alerts, and much more.

BMO Harris Bank Mastercard<sup class='padding-right--small'>®</sup> Gift Card<sup>7</sup>
Good things come in small packages.
BMO Harris Bank Mastercard® Gift Card7


Have questions?

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  • Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
  • Card design and availability is subject to change without notice. The Chicago Bulls identifications are the exclusive property of NBA Properties, Inc. and the Chicago Bulls. © 2018 NBA Properties, Inc. All rights reserved. The Chicago Blackhawks is a trademark of the Chicago Blackhawk Hockey Team, Inc. The Milwaukee Bucks identifications are the exclusive property of NBA Properties, Inc. and the Milwaukee Bucks. © 2018 NBA Properties, Inc. All rights reserved. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
  • 1 $2.00 monthly fee for paper statements is waived when you sign up for eStatements in BMO Harris Online Banking®.
  • 2 Zero balance may result in account closure.
  • 3 The ATM operator or network may charge you a fee for a transaction or balance inquiry.
  • 4 BMO Harris Mobile Deposit® is available for BMO Harris Mobile Banking® smartphone and tablet apps only. This service may not function on older devices. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal.
  • 5 Available to BMO Harris Bill Pay® customers only. Add bill payment to your online banking account by signing on to BMO Harris Online Banking® and clicking the Payments tab, then the Enroll button.
  • 6 Message and data rates may apply. Contact your wireless carrier for details.
  • 7 Funds on gift cards are not FDIC insured.
  • 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 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.