Skip Navigation

Platinum Money Market

Grow your savings with our high-yield money market account and maintain your liquidity.1

Money Market Account Benefits

  • Peace of mind – Your money is FDIC-insured up to the maximum allowed and backed by a bank that’s been around for over 200 years.
  • No monthly maintenance fees – You shouldn’t have to spend money to save money.
  • Anytime, Anywhere – Whether you prefer coming to see us in person, using our online tools, or a little bit of both, we bank however you bank.2

not your ZIP code?

By using your ZIP code, we can make sure the information you see is accurate.

Platinum Money Market
account interest rates

Your zip code

The zip code entered is not valid

Minimum Balance To Obtain APY3 Interest Rate (%) APY (%)3
$0.01 to $4,999.99
$5,000.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $249,999.99
$250,000.00 to $499,999.99
$500,000.00 to $999,999.99
$1,000,000.00 and above

These rates are effective as of December 14, 2018.





Resources

Your banking your way

Experience BMO Harris Banking

24/7 Banking

Enjoy convenient, user-friendly, secure4 banking at your fingertips – anywhere, anytime.2

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 nearest you or get convenient access to more than 1,000 BMO Harris ATMs.

You may also be interested in:

Certificates of Deposit (CDs)

Get a competitive fixed interest rate locked in from one month to five years.

Learn more

Statement Savings

Earn interest on your everyday savings and have the flexibility to access your funds whenever you need.1

Learn more
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Arizona locations only.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Central and Southern Indiana locations only.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Kansas locations and locations in Jackson, Buchanan and Clay Counties in Missouri.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Minnesota locations (excluding locations in St. Louis County) and our locations in Pierce and St. Croix Counties in Wisconsin.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Missouri locations (excluding locations in Jackson, Buchanan and Clay Counties) and our locations in St. Clair County in Illinois.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Southern Wisconsin locations and locations in Roscoe and South Beloit, Illinois.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Washington locations only.
  4. 4 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and on line banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period.
  3. 3 All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Northern Wisconsin locations (excluding locations in Pierce and St. Croix Counties) and our locations in St. Louis County in Minnesota.
  4. 4 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

Automatic monthly savings

Sign up for Auto Save and transfer at least $100 from your BMO Harris personal account each month and we will waive your BMO Harris Platinum Money Market account’s monthly maintenance fee for two years. This fee waiver only applies for one two-year period per account and you must request the waiver from your BMO Harris Banker.

Qualifying accounts Qualifying accounts for Auto Save Minimum monthly Auto Save amount to waive monthly maintenance fee
Any BMO Harris personal deposit account Statement Savings $25
BMO Harris Platinum Money Market® $100
X

How to waive fees

$20 monthly maintenance fee waived when

  • You have kept a $10,000 or more minimum daily Ledger Balance in this account for the statement period

ATM Fees:

  • No ATM transaction fee at BMO Harris or Allpoint® network ATMs nationwide
  • $3.00 BMO Harris fee for each Non-BMO Harris ATM Transaction8