Take your savings higher with our limited-time CD specials.
Take your savings higher with our limited-time CD specials.

Take your savings higher with our limited-time CD specials.

Savings Accounts, Money Markets and CDs

Watch your savings grow, meet your financial goals and enjoy the confidence that comes with a financial cushion.


Savings Accounts

Statement Savings

Earn interest on your everyday savings and have the flexibility to access your funds whenever you need1

Open now
  • A good fit for those just starting to save: Low minimum opening deposit
  • Establish a savings routine with monthly Auto Save from your BMO Harris checking account
  • Earn more over time with variable interest rates5 and APYs
  • FDIC insured to the maximum allowed by law6

Explore Statement Savings >

BMO Harris Select Money Market®

Grow your investment with our high-yield money market account and maintain your liquidity1

Open now
  • Higher balances may earn a higher interest rate
  • Easy access to your funds via mobile3 and online banking, ATMs, checking writing and in-person withdrawals1
  • Easily grow your investment with direct deposits and automatic redeposit of earned interest
  • FDIC insured to the maximum allowed by law6

Explore Money Market Accounts >

Certificates of Deposit (CDs)

Lock in competitive fixed interest rates2 for your long- and short-term savings goals

View Rates
  • Limited time: We’re offering BMO Harris checking customers exclusive CD rates and terms4
  • Choose from multiple terms to best match your needs
  • Fixed interest rates provide stability and predictability5
  • Various investment strategies can maximize your earnings and reduce your risk
  • FDIC insured to the maximum allowed by law6

Explore CDs >

Savings Accounts

Statement Savings

Earn interest on your everyday savings and have the flexibility to access your funds whenever you need1

Open now
  • A good fit for those just starting to save: Low minimum opening deposit
  • Establish a savings routine with monthly Auto Save from your BMO Harris checking account
  • Earn more over time with variable interest rates5 and APYs
  • FDIC insured to the maximum allowed by law6

Explore Statement Savings >

BMO Harris Select Money Market®

Grow your investment with our high-yield money market account and maintain your liquidity1

Open now
  • Higher balances may earn a higher interest rate
  • Easy access to your funds via mobile3 and online banking, ATMs, checking writing and in-person withdrawals1
  • Easily grow your investment with direct deposits and automatic redeposit of earned interest
  • FDIC insured to the maximum allowed by law6

Explore Money Market Accounts >

Certificates of Deposit (CDs)

Lock in competitive fixed interest rates2 for your long- and short-term savings goals

View Rates
  • Limited time: We’re offering BMO Harris checking customers exclusive CD rates and terms4
  • Choose from multiple terms to best match your needs
  • Fixed interest rates provide stability and predictability5
  • Various investment strategies can maximize your earnings and reduce your risk
  • FDIC insured to the maximum allowed by law6

Explore CDs >


Your banking your way

Experience BMO Harris Banking

24/7 Banking

Enjoy convenient, user-friendly, secure7 banking at your fingertips – anywhere, anytime.3

Managing Money

Keep an eye on your accounts with BMO Harris Total Look®. Monitor transactions and stay on track by creating a personalized savings goal.

Branches and ATM Access

Find a branch near you or get convenient access to more than 1,000 BMO Harris ATMs.

Tools and Resources

What will it take to become a millionaire?

Find out how many years it will take
at your current savings rate to become a millionaire.
Calculate View all savings calculators >


1 Click here for Transaction Limitations.
2 1- and 2-month terms are only available on Jumbo (over $100,000) CDs. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are currently insured up to at least $250,000 per depositor.
3 Message and data rates may apply. Contact your wireless carrier for details.
4 Offers not available for money market checking accounts.
5 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
6 Please visit www.fdic.gov fdic.gov for current FDIC insurance limits.
7 Visit the BMO Harris Security Center for details.

X

Getting Started

Whether you’re looking to start a new relationship with BMO Harris Bank or expand with an existing BMO Harris relationship, there are multiple ways to apply for any type of account you’re looking for.

Existing Customer

If you’re already a BMO Harris Bank customer, you can easily apply for your new account online.

New Customer

If you’re not already a BMO Harris Bank customer, there are multiple ways to apply for any type of account you’re looking for.

X

Getting Started

Whether you’re looking to start a new relationship with BMO Harris Bank or expand with an existing BMO Harris relationship, there are multiple ways to apply for any type of account you’re looking for.

Existing Customer

If you’re already a BMO Harris Bank customer, you can easily apply for your new account online.

New Customer

If you’re not already a BMO Harris Bank customer, there are multiple ways to apply for any type of account you’re looking for.

X

Getting Started

Whether you’re looking to start a new relationship with BMO Harris Bank or expand with an existing BMO Harris relationship, there are multiple ways to apply for any type of account you’re looking for.

Existing Customer

If you’re already a BMO Harris Bank customer, you can easily apply for your new account online.

New Customer

If you’re not already a BMO Harris Bank customer, there are multiple ways to apply for any type of account you’re looking for.