Select Checking Account Select Checking Account Mobile

Start banking the way you want.

BMO Harris Select Checking® Account

Get full-service checking and earn interest on your account balance. Open an account with as little as $100.

BMO Harris Select Checking® Account Features

  • Check images on paper statements and online
  • Purchase fees waived for money orders
  • Purchase fees waived for American Express® Travelers Cheques 1
  • Overdraft Services

Minimum opening deposit: $100

  • Variable interest rates2 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 Balance 3

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.


How to Waive Fees

$15 monthly maintenance fee waived when any one of the following occurs:

  • You have kept a $5,000 minimum daily Ledger Balance in this account
  • You have requested Relationship Waiver4 on this account and meet the $10,000 Combined Balance requirement
  • 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 Banker5

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 Transaction6
  • Non-BMO Harris ATM Transaction fee assessed by BMO Harris waived for two (2) Non-BMO Harris ATM Transactions per statement period

Special Discounts

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

  • 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 Select Checking account7
  • $100 closing cost discount on a new BMO Harris mortgage loan with Auto Pay from your BMO Harris Select Checking account (FHA loans do not require Auto Pay to receive this discount)8
  • 10% discount on the annual rental fee for a safe deposit box, plus an additional discount of $5 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 Cheques1
  • Offers are subject to change without notice

All BMO Harris Select 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 or half off printing of your first box of certain check styles ordered through BMO Harris
  • No ATM transaction fee for withdrawals and deposits at more than a thousand BMO Harris ATMs6
  • Convenient banking at more than 600 BMO Harris locations
  • Mobile banking with mobile deposit9
The following documents describe terms and conditions that apply to your account:


Product disclosure PDF (PDF, 241KB) 


Deposit Account Agreement PDF (PDF, 557KB)


Open now

Open now will start the application process


Have questions?

Definitions of Capitalized Terms

1. American Express® is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries.

2. Please read Interest Rates and Calculations for information on interest on deposit accounts.

3. Tiers for Collected Balance interest rates are as follows:
$0.01 - $2,499.99
$2,500 - $9,999.99
$10,000 and above

4. 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 Bank does not automatically link your accounts for Relationship Waiver.

5. Loans and lines of credit are subject to bank and credit approval. A BMO Harris Bank 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.

6. Networks or operators of Non-BMO Harris ATMs may charge for the use of their ATMs for a transaction or balance inquiry.

7. Loans and lines of credit 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, retail custom credit, bridge, interim, lot and recreational land loans.

8. All loans and lines of credit 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, home equity loans, interim, lot and recreational land loans.

9. Message and data rates may 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 iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.