BMO Harris Premier Services
A coordinated banking and investment team to help you go further. Financial planning services are offered by BMO Harris Financial Advisors.
Because money, like success, is personal, we've developed four steps to a stronger, brighter financial future.
Develop a well-designed, coordinated banking and financial strategy.
Access a full suite of select banking and investing products and services.
Building your financial future
Clarify where you are today, and where you want to go.
Your team listens carefully to understand your core values, objectives and priorities. A review of your current financial standing, from your banking strategies and investment portfolio,* is the starting point for a plan that addresses your current position and aligns with your future goals.
Create an action plan.
Once your team understands your goals and objectives, they develop your financial plan with the help of specialized planning software.* Your plan will include recommended financial strategies designed to help you reach your unique goals.
Implement your plan.
The comprehensive resources available to your team allow them to implement the strategies recommended in your financial plan. They can also work closely with your other professional advisors—lawyer, tax professional, accountant—to ensure synergy and thoroughness of your plan.
Help you stay on track.
Maintaining a close relationship with you, your Premier team regularly reviews your current situation and addresses any changes you may have experienced. Together, your Premier Banker and your Financial Advisor are able to help ensure your plan continues to remain aligned with your goals.
Creating a financial roadmap
The decisions you make today about your money will play a crucial role in your life tomorrow. That's where a well-designed, coordinated banking and financial strategy from BMO Harris Premier Services can help.
Putting you on the right financial path
It all begins with a simple, concise tool we call My Financial Roadmap. Your BMO Harris Premier Banker and your BMO Harris Financial Advisor work with you to review key financial objectives. Building your customized financial roadmap helps us understand your financial priorities, offer products and services designed to meet your needs and objectives, and put you on the right track to reach your goals.
Premier Services benefits
You have access to a full suite of select products and services. Here's what you'll enjoy:
- Tiered rate of interest – the higher your balance, the more you may earn
- $30 monthly maintenance fee waived with a $25,000 minimum daily balance or $50,000 in combined balances with Relationship Waiver2
- Unlimited fee-free3 transactions at over 40,000 Allpoint® network ATMs nationwide
- $25 rebate each month on ATM surcharge fees charged by other banks
- No fee for paper statements and cashier’s checks
BMO Harris Select Money Market®1
- Tiered rate of interest — the higher your balance, the more you may earn.
- Grow your balance by moving funds automatically from your BMO Harris personal checking to your BMO Harris money market account
BMO Harris Online Banking®
With Online Banking, you can easily access and manage your accounts whenever you want for a faster and more convenient way to bank:
- View account information and activity, and transfer funds between eligible BMO Harris accounts
- Quickly pay bills, schedule payments and review payment history with BMO Harris Bill Pay®
- Reduce your paper trail and lower your risk of identity theft with online statements
BMO Harris Mobile Banking®4
- Easily view and manage your accounts — pay bills,5 deposit checks6 and transfer funds — from your smartphone or tablet — whenever and wherever you like
- With Mobile Cash7, you can withdraw money from select BMO Harris ATMs using your smartphone instead of your ATM or debit card
BMO Harris Total Look®
- Easily monitor your BMO Harris and non-BMO Harris accounts, including credit cards, loans, mortgages and investments — all in one convenient location
- Track your spending and get the big-picture view of your financial health and net worth with this convenient online and mobile tool
- Set up automated email reminders and alerts
- Purchase fee waived on BMO Harris Bank Mastercard® Gift Cards8
- No annual rental fee on 3" x 5" safe deposit box9
- 20,000 bonus points with $2,500 of qualifying purchases in the first 3 months of account opening
- No foreign transaction fees when making purchases abroad
- Additional benefits include Extended Warranty and Price Protection.11
- 3 points per $1 spent on qualifying dining, airfare and hotel purchases up to $2,500 in combined spend each calendar quarter; 1 point for every $1 spent on all other purchases with no earnings cap
- 15% anniversary point bonus every year
Strategic borrowing consultation
- Borrowing strategy for funding major purchases or expenditures
- Refinancing or loan consolidation options
- Loan product selection and ongoing monitoring of outstanding loans
- Closing cost discounts may be available on certain loan products12
- Special interest rate offers may be available on certain mortgage loan products12
Home equity line of credit
- Your annual fee of $50 is waived by maintaining your Premier Banking status13
- Low or no closing costs13
- Special preferred rates may apply10
- You have the option to lock in all or a portion of your balance at a fixed rate
- Convenient account access with a BMO Harris Bank Equity Access Card, with Equity Checks, by phone or in person. Or, transfer funds from your home equity line to your BMO Harris checking account with BMO Harris Online Banking®
- Retirement accumulation planning
- Asset allocation assessment
- Lifetime income planning
- Education planning
- Insurance needs evaluation
- Estate planning strategies15
Investment and insurance solutions
- Professionally managed, diversified portfolios
- Fixed income strategies
- Life, disability and long-term care insurance
- Mutual funds and annuities
- Self-directed stock trading
- Online trading with access to detailed account information and market research