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BMO Harris Smart MoneyTM Account


Get a predictable banking experience with this low fee checking account.


BMO Harris Smart MoneyTM Account Features





Minimum opening deposit



  • No Overdraft or NSF fees
  • A consistent low monthly maintenance fee, waived for customers under the age of 25
  • Pay bills, view statements, transfer money and more with free online banking
  • Check balances and account activity while on the go with free mobile banking1

How to Waive Fees


  • $5 monthly maintenance fee waived for customers under the age of 25
  • $2 monthly fee for paper statements waived when the primary account owner is under 25 years of age or you opt to receive your statements only through BMO Harris Online Banking®

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 Transaction2




Open now will start the application process

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The following documents describe terms and conditions that apply to your account


Product Disclosure
(PDF, 322KB)


Deposit Account Agreement
(PDF, 595KB)

Have Questions?


  1. Message and data rates may apply. Please contact your wireless carrier for details.
  2. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.