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BMO Harris Premier™ Account

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

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$30waivable monthly maintenance fee
Unlimitednon-BMO Harris ATM transactions1
$25 rebatemonthly on ATM surcharge fees from other banks

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What's Included

Minimum opening deposit

Minimum opening deposit

$25

Monthly maintenance fee

Monthly maintenance fee

$30, waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver2, or a BMO Harris Financial Advisors, Inc. investment account3

Special benefits

Special benefits

  • Tiered rate of interest — the higher your balance, the more you may earn
  • Unlimited non-BMO Harris ATM transactions1
  • Get a rebate of up to $25 per statement period on ATM surcharge fees charged by other banks
  • Overdraft Services available with certain fees waived
  • Fees waived on Cashier's Checks and Money Orders
  • Fees waived on paper statements and check images
  • Chip-enabled BMO Harris Bank World Debit Mastercard®

What's my interest rate?

What's my interest rate?

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This lets us show you the most current rates for your area.

Minimum Balance to
Obtain APY4		Interest Rate (%)APY (%)4
$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

Additional Features

ATM & Other Banking Transactions

ATM & Other Banking Transactions

  • No fee for withdrawals and deposits at BMO Harris ATMs and branches
  • Unlimited fee-free transactions at over 40,000 BMO Harris and Allpoint® network ATMs nationwide
  • Unlimited transactions at retailers when you use your BMO Harris Bank World Debit Mastercard®5

Additional benefits

Additional benefits

Mortgage and Home Equity Line of Credit discounts

Wire Transfers & Overdraft Fees

Wire Transfers & Overdraft Fees

  • Wire Transfers
  • $0 for each incoming wire transfer
  • $30 for each outgoing domestic wire transfer
  • $50 for each outgoing international wire transfer
  • Overdraft Fees
  • $36 for each NSF6
  • $36 for each overdraft6
  • $7 consecutive day overdrafts7

Banking Services

With every BMO Harris account, you can:

With every BMO Harris account, you can:

  • Pay bills, transfer money, view statements, and more with free BMO Digital Banking8
  • Check your balances and account activity and make deposits9 wherever you are with the free BMO Digital Banking app10
  • Receive online account and security email alerts
  • Get unlimited fee-free transactions at over 40,000 fee-free BMO Harris and Allpoint® network ATMs nationwide
  • Get cash at most BMO Harris ATMs using just your smartphone11 with BMO Harris Mobile Cash®
  • Send money to almost anyone with a bank account in the US with Zelle®12
  • Access BMO Harris Total Look®, a tool that helps you review and manage your accounts online – even if they’re not with us
  • Get personalized assistance through Chat, callback and at over 600 branches

Download the Account Terms and Conditions

Not the right account for you?

Take a look at our other checking accounts

  • BMO Harris Smart Money™ Account

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

    Learn more

  • BMO Harris Smart Advantage™ Account

    A checking account with no monthly fees13 with eStatements.

    Learn more

Are you ready?

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Open your account online

The application is safe and secure.14

This starts your application

Call us to open your account by phone 1-888-340-2265
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  1. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  2. 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.
  3. 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.
  4. 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. These rates apply to our Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois.
  5. A foreign transaction fee in the amount of 2.8% of the transaction amount will apply to any transaction initiated in a foreign country whether initiated by the cardholder while traveling or by a foreign merchant for a purchase the cardholder makes remotely from the United States, whether or not a currency conversion is required. If a currency conversion is required, a Currency Conversion Assessment will be included in the U.S. dollar transaction amount. See the Deposit Account Agreement - Section 9.A.4 for details.
  6. A maximum combined total of four overdraft fees and/or NSF fees will be charged per Business Day.
  7. A Consecutive Day Overdraft Fee is charged each Business Day the account is overdrawn in any amount after it is overdrawn for three consecutive Business Days. A maximum 10 fees are charged for each occasion the account remains overdrawn.
  8. BMO Harris Bill Pay® transactions are free unless you request an Expedited Payment.
  9. BMO Harris Mobile Deposit® is available for the BMO Digital Banking smartphone apps. This service may not function on older devices. Users must be BMO Digital Banking customers who have had a BMO Harris account for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, please see the BMO Digital Banking Agreement found at bmoharris.com/legal.
  10. Message and data rates may apply. Please contact your wireless carrier for details.
  11. BMO Harris Mobile Cash® is available for the BMO Digital Banking smartphone apps only. For details, see the BMO Digital Banking Agreement 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.
  12. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
  13. $2.00 monthly fee for paper statements is waived when you sign up for paperless statements in BMO Digital Banking.
  14. Visit the BMO Harris Security Center for details.