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BMO Harris Smart Money™ Account

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

$5monthly maintenance fee
waived if you’re under age 25
$0no overdraft or NSF fees
Unlimitedtransactions at 40,000+ fee-free ATMs nationwide

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What’s Included

Minimum opening deposit

Minimum opening deposit

$25

Monthly maintenance fee

Monthly maintenance fee

  • $5
  • waived if the primary account owner is under age 25

Paper statement fee

Paper statement fee

  • $2 each month
  • Waived if primary account owner is under age 25 or when you sign up for eStatements in BMO Harris Online Banking®

Special benefits

Special benefits

  • Account lets you spend only what is available in the account
  • $0 for each NSF
  • $0 for each overdraft

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®1
  • $3 BMO Harris fee for each non-BMO Harris ATM transaction2

Additional benefits

Additional benefits

Cashier’s Checks, Money Orders & Wire Transfers

Cashier’s Checks, Money Orders & Wire Transfers

  • $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

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 banking3
  • Check your balances and account activity and make deposits4 wherever you are with free mobile banking5
  • 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 smartphone6 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 Pay7
  • 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 Advantage™ Account

    A checking account with no monthly fees8 with eStatements.

    Learn more

  • BMO Harris Premier™ Account

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

    Learn more


Are you ready?

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Open your account online

The application is safe and secure.9

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

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