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BMO Harris Everyday Checking® Account

Bank online and access hundreds of BMO Harris ATMs. Open an account with as little as $100.

BMO Harris Everyday Checking® Account Features


Minimum opening deposit: $100

  • No ATM transaction fee for withdrawals and deposits at more than a thousand BMO Harris ATMs1
  • Convenient banking at more than 600 BMO Harris locations
  • Mobile banking with mobile deposit2

How to Waive Fees

Monthly maintenance fee waived when conditions are met.

$12 monthly maintenance fee waived when any one of the following occurs:

  • You have Incoming External Deposits into this account totaling $500 or more during the statement period
  • You have kept a $1,000 minimum daily Ledger Balance in this account
  • You have requested we link this account to a BMO Harris Select Checking®or BMO Harris Portfolio Checking®account to receive benefits under Relationship Waiver and meet the Combined Balance requirement for the BMO Harris Select Checking or BMO Harris Portfolio Checking account3
  • You have requested we link this account to a Wealth Checking Account to receive benefits under Relationship Waiver and meet the Average Daily Balance requirement4
  • You are a college student and request a student fee waiver5


ATM Transaction Fees:

  • No ATM transaction fee for withdrawals and deposits at BMO Harris ATMs
  • $2.50 BMO Harris fee for each Non-BMO Harris ATM Transaction1
  • BMO Harris fee waived for all Non-BMO Harris ATM Transactions for an account owned by a college student5


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Definitions of Capitalized Terms

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

2. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android™ Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.

3. Relationship Waiver refers to benefits available to account owners with a BMO Harris Select Checking or BMO Harris Portfolio Checking account who request Relationship Waiver and meet the Combined Balance requirements described in the Deposit Account Agreement for Personal and Business Accounts dated October 6, 2012, as amended, and the applicable Deposit Account Disclosure. Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris does not automatically link your accounts for Relationship Waiver. See the Relationship Waiver tab on BMO Harris Select Checking® or BMO Harris Portfolio Checking® for further information.

4. Relationship Waiver refers to benefits available to account owners with a Wealth Checking account who request Relationship Waiver and meet the Average Daily Balance requirement described in the Deposit Account Agreement for Personal and Business Deposit Accounts dated October 6, 2012, as amended, and the applicable Deposit Account Disclosure. Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts for Relationship Waiver.

5. A college student fee waiver requires the college student to present current student identification. The fee waiver will apply for four (4) years from date of request. One college student fee waiver per customer. A college student fee waiver waives the monthly maintenance fee and Non-BMO Harris ATM Transaction fees charged by BMO Harris Bank.

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Getting Started

Whether you’re looking to start a new relationship with BMO Harris Bank or expand with an existing BMO Harris relationship, there are multiple ways to apply for any type of account you’re looking for.

Existing Customer

If you’re already a BMO Harris Bank customer, you can easily apply for your new account online.

New Customer

If you’re not already a BMO Harris Bank customer, there are multiple ways to apply for any type of account you’re looking for.