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BMO Harris Portfolio Checking® Account


Offered tiered interest rates that may help you earn more on higher balances.

Portfolio Checking Account
Interest Rates

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Minimum Balance To Obtain APY1 Interest Rate (%) APY (%)1
$0.01 to $4,999.99
$5,000.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $249,999.99
$250,000.00 to $499,999.99
$500,000.00 to $999,999.99
$1,000,000.00 and above

These rates are effective as of .

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BMO Harris Portfolio Checking® Account Features

  • Check images on paper statements and online
  • Purchase fees waived for money orders
  • Purchase fees waived for American Express® Travelers Cheques2
  • Overdraft Services
  • Overdraft Funding Transfer Fee waived for transfers into this account
  • Variable interest rates3 and annual percentage yields
  • The interest rate corresponding to the highest tier into which your Collected Balance falls will be paid on the entire Collected Balance4

Minimum opening deposit: $100

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Services With Every Bank Account

How to Waive Fees

Monthly maintenance fee waived when conditions are met.

Relationship Waiver

Avoid the monthly maintenance fee when you meet the Combined Balance requirement.

Special Discounts

Take advantage of several special offers.

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How to Waive Fees

$25 monthly maintenance fee waived when any one of the following occurs:

  • You have kept a $25,000 minimum daily Ledger Balance in this account
  • You are timely paying a consumer mortgage loan with Auto Pay from this account. (FHA mortgage loans do not qualify for this fee waiver.) Waiver must be requested from a BMO Harris Banker5
  • You are timely paying a BMO Harris consumer or small business loan or line of credit in accordance with the terms of your agreement, and request the waiver from a BMO Harris Banker6
  • You maintain a BMO Harris Financial Advisors, Inc. investment account in accordance with the terms of your investment account. Waiver must be requested from a BMO Harris Banker7
  • You have requested we link this account to receive benefits under Relationship Waiver8 and meet the $25,000 Combined Balance requirement

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 transaction in excess of five (5) per statement period9
  • We will rebate up to $25 in ATM surcharge fees assessed by the ATM operator or network each statement period
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Special Discounts

As a way of thanking you for your business, we have the following offers available:

  • Overdraft Protection Line of Credit with no advance fee on your BMO Harris Portfolio Checking account.10
  • One-quarter percentage point (1/4%) interest rate discount on any new BMO Harris personal installment loan or line of credit (including home equity line of credit) with Auto Pay from your BMO Harris Portfolio Checking account.11
  • You may qualify for relationship-based terms on applicable BMO Harris credit cards and personal lines of credit. Talk to a BMO Harris Banker for details.12
  • $200 closing cost discount on a new BMO Harris mortgage loan with Auto Pay from your BMO Harris Portfolio Checking account.13 (FHA loans do not require Auto Pay to receive this discount.)
  • 10% discount on the annual rental fee for a safe deposit box, plus an additional discount of $5 off with Auto Pay
  • When offered, promotional rate bonuses on deposit accounts

Additional discounts and fee waivers

  • Purchase fees waived for money orders
  • Purchase fees waived for American Express® Travelers Cheques2
  • Overdraft Funding Transfer Fee waived for transfers into this account

Offers are subject to change without notice

All BMO Harris Portfolio Checking accounts come with

  • Chip-enabled Debit Card
  • Online banking with bill payment and access to BMO Harris Total Look®
  • Free welcome package of checks
  • Check images on paper statements and online
  • No ATM transaction fee for withdrawals and deposits at more than a thousand BMO Harris ATMs9
  • Convenient banking at more than 600 BMO Harris locations
  • Mobile banking with mobile deposit14

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Definitions of Capitalized Terms

  1. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid on the entire collected balance. Fees or withdrawals will reduce earnings.
  2. American Express® is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries.
  3. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. Tiers for Collected Balance interest rates are as follows:
    $0.01 - $9,999.99
    $10,000 - $24,999.99
    $25,000 - $49,999.99
    $50,000 and above

  5. You must be timely paying your mortgage loan in accordance with the terms of your agreement.
  6. Loans and lines of credit are subject to bank and credit approval. A BMO Harris small business loan must be made to an Account Owner's for-profit sole proprietorship or partnership (as stated on the assumed name certificate or partnership agreement). Mortgage loans, overdraft protection lines of credit and loans to non-profit organizations do not qualify.
  7. 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 A DEPOSIT – NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY – NOT GUARANTEED BY ANY BANK – MAY LOSE VALUE.
  8. 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 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 does not automatically link your accounts for Relationship Waiver.
  9. Networks or operators of Non-BMO Harris ATMs may charge for the use of their ATMs for a transaction or balance inquiry.
  10. Loans and lines of credit are subject to bank and credit approval.
  11. Loans, lines of credit and credit cards are subject to bank and credit approval. Excludes overdraft protection line of credit, credit card, first mortgage other than RefiXpress, loans originated by a dealer and later assigned to BMO Harris.
  12. Loans and lines of credit are subject to bank and credit approval. Excludes home equity lines of credit and overdraft protection lines of credit.
  13. Loans, lines of credit and credit cards are subject to bank and credit approval. Mortgage closing cost discount can only be applied to the purchase or refinance of a primary residence and does not apply to RefiXpress mortgage loans and home equity loans.
  14. Message and data rates apply. 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.
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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.