Skip navigation
ShowSkip navigation

BMO Harris Smart Advantage™ Account

No monthly fees1 with eStatements.

$0monthly fees1 with eStatements
Unlimitedtransactions at 40,000+ fee-free ATMs nationwide

This starts your application

Already started your application?

Let’s get back to where you left it. Just enter your confirmation code that you received when you started your application.

Continue application

What's Included

Minimum opening deposit

Minimum opening deposit

$25

Monthly maintenance fee

Monthly maintenance fee

$0

Paper statement fee

Paper statement fee

  • $2 each month
  • Waived when you sign up for eStatements in BMO Harris Online Banking®

Additional Features

ATM & Other Banking Transactions

ATM & Other Banking Transactions

  • No fee for withdrawals and deposits at BMO Harris ATMs or 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 Debit Mastercard®2
  • $3 BMO Harris fee for each non-BMO Harris ATM transaction3

Additional benefits

Additional benefits

  • Chip-enabled BMO Harris Bank Debit Mastercard®
  • Overdraft Services available
  • Mortgage and Home Equity Line of Credit discounts

Cashier’s Checks, Money Orders, Wire Transfers & More

Cashier’s Checks, Money Orders, Wire Transfers & More

  • $10 for each cashier’s check
  • $5 for each money order
  • Wire Transfers

  • $0 for each incoming wire transfer
  • $30 for each outgoing domestic wire transfer
  • $50 for each outgoing international wire transfer
  • Overdrafts

  • $36 for each NSF4
  • $36 for each overdraft4
  • $7 for consecutive day overdrafts5

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 online banking6
  • Check your balances and account activity and make deposits7 wherever you are with free mobile banking8
  • Receive online account and security email alerts
  • Get unlimited fee-free transactions at over 40,000 BMO Harris and Allpoint® network ATMs nationwide
  • Get cash at most BMO Harris ATMs using just your smartphone9 with BMO Harris Mobile Cash®
  • Send money to almost anyone in the U.S. with a U.S. bank account and an email address with People Pay10
  • 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

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 Premier™ Account

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

    Learn more


Are you ready?

Laptop

Open your account online

The application is safe and secure.11

This starts your application

Call us to open your account by phone 1-888-340-2265

Page 1Created with Sketch.
Open an account at one of our 600 branches


See all checking accounts
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.