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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
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
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.
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.
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.
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.
A maximum combined total of four overdraft fees and/or NSF fees will be charged per Business Day.
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.
BMO Harris Bill Pay® transactions are free unless you request an Expedited Payment.
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.
Message and data rates may apply. Please contact your wireless carrier for details.
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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
$2.00 monthly fee for paper statements is waived when you sign up for paperless statements in BMO Digital Banking.