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Open a BMO Harris Everyday Checking® account today.

How do these accounts compare?

Checking account type BMO Harris Everyday Checking® BMO Harris Select Checking® BMO Harris Portfolio Checking®
All BMO Harris Bank customers enjoy:
  • Online banking with bill pay
  • Online account alerts
  • Real-person assistance through chat and callback
  • Over 1,300 BMO Harris ATMs
  • Over 600 BMO Harris locations

Meeting day-to-day checking needs and and and other benefits

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Earning interest and getting special discounts and other benefits

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Earning higher interest, getting special discounts and other benefits

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Earns interest (view rates) - Yes Yes
Debit Card Yes Yes Yes
Minimum opening deposit $100 $100 $100
Monthly Maintenance Fee: $10 $15 $25
The fee is waived each month for:
Accounts with Incoming External Deposits totaling $500 or more during the statement period Yes - -
BMO Harris mortgage customers2 - - Yes
BMO Harris home equity customers2 - Yes Yes
Accounts with a minimum daily Ledger Balance $1,000 $5,000 $25,000
Additional ways to waive monthly maintenance fee3 Yes Yes Yes
ATM Transaction Fees
No ATM transaction fee for withdrawals or deposits at BMO Harris ATMs Yes Yes Yes
BMO Harris fee for Non-BMO Harris ATM Transactions4 $2.50 $2.50 $2.50
This fee is waived monthly for5 College students5 2 transactions 5 transactions
Non-BMO Harris ATM surcharge fees reimbursed5 - - Up to $25
Optional Benefits
Accounts may provide monthly maintenance fee waivers for certain additional accounts through Relationship Waiver6 - Yes Yes
Accounts may provide loan and mortgage discounts - Yes Yes
Account Terms & Other Fees

Product Disclosure (PDF, 321KB)

Deposit Account Agreement (PDF, 557KB)

Product Disclosure (PDF, 265KB)

Deposit Account Agreement (PDF, 557KB)

Product Disclosure (PDF, 241KB)

Deposit Account Agreement (PDF, 557KB)

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BMO Harris Health Savings Account® (HSA)

Deposit money anytime and withdraw funds easily for qualified medical expenses.

  • No minimum opening deposit
  • No monthly maintenance fee
  • Manage your account online with BMO Harris Online Banking®

Debit and ATM Cards

BMO Harris Bank Debit MasterCard®

Access funds in your checking, savings or money market accounts 24/7.
  • No annual fee
  • No fees for purchases7 — shopping, dining, gas, entertainment and more
  • Zero Liability protection8 from unauthorized purchases using your card
  • Chip enabled

BMO Harris Bank World Debit MasterCard®

Get the convenience, benefits and premier customer service of a world-class debit card.
  • Purchase Assurance9
  • Satisfaction Guarantee9
  • Extended Warranty9
  • Price Protection9
  • ID Theft Resolution9
  • Travel Assistance Services9
  • Roadside Assistance9
  • Zero Liability protection8 from unauthorized purchases using your card
  • Chip enabled

BMO Harris Bulls/Chicago Blackhawks Debit MasterCard®

Show your pride for the Chicago Bulls or Chicago Blackhawks by carrying a piece of the team with you
  • Available with any BMO Harris Personal Checking Account
  • Offered exclusively at BMO Harris Bank
  • Zero Liability protection8 from unauthorized purchases using your card
  • Chip enabled

BMO Harris Bank MasterCard® Gift Card

  • Generally welcomed anywhere in the U.S. where MasterCard® debit cards are accepted
  • Keep track of balance and transaction history online
  • Can be loaded with any amount from $25 to $500 in a branch for a $4 fee per gift card
  • Zero Liability protection8 from unauthorized purchases using your card

Definitions of Capitalized Terms

MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Card design and availability is subject to change without notice. The Chicago Blackhawks is a trademark of the Chicago Blackhawk Hockey Team, Inc. The Chicago Bulls identifications are the exclusive property of NBA Properties, Inc. and the Chicago Bulls. © 2014 NBA Properties, Inc. All rights reserved.

  1. Message and data rates may apply. Contact your wireless carrier for details.
  2. Loan or line of credit must be timely paid in accordance with the terms of your agreement. FHA mortgage loans do not qualify for this fee waiver. Auto Pay from the BMO Harris Portfolio Checking account to pay the BMO Harris mortgage loan is required to waive the monthly maintenance fee.
  3. There are additional ways to waive the monthly maintenance fee on these accounts. See details on BMO Harris Everyday Checking, BMO Harris Select Checking or BMO Harris Portfolio Checking for further information on how to qualify for monthly maintenance fee waivers.
  4. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  5. These ATM transaction fees are assessed per monthly statement period. For BMO Harris Everyday Checking, the BMO Harris fee for ATM transactions fees will be waived for college students for four (4) years if they meet the requirements for the college student monthly maintenance fee waiver. The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  6. 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 Balanced requirements described in the Deposit Account Agreement for Personal and Business 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 does not automatically link your accounts for Relationship Waiver. See the Relationship Waiver tab on BMO Harris Select Checking or BMO Harris Portfolio Checking for further information.
  7. A foreign transaction fee in the amount of 3% 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.
  8. Pay only for purchases that you have authorized on your MasterCard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details .
  9. Certain terms, conditions, and exclusions apply. See your BMO Harris Debit Card Guide to Benefits.