BMO Harris Select Money Market®

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

Money Market Account Benefits

  • Higher balances may earn a higher interest rate.
  • In the event you need access to your funds, you can easily write checks, logon to online or mobile banking,2 or make a withdrawal at the nearest BMO Harris branch or ATM.1
  • Grow your investment easily with direct deposits and automatic redeposit of earned interest.3
  • Save with confidence. All accounts are FDIC insured to the maximum allowed by law.4

BMO Harris Select Money Market
account interest rates

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Minimum Balance To Obtain APY5 Interest Rate (%) APY (%)5
$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 .

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Tools and Resources

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Experience BMO Harris Banking

24/7 Banking

Enjoy convenient, user-friendly, secure9 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.

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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 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Message and data rates may apply. Contact your wireless carrier for details.
  3. 3 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  4. 4 Please visit www.fdic.gov for current FDIC insurance limits.
  5. 5 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.
  6. 6 The waiver only applies for one two-year period per new account.
  7. 7 Certain conditions apply. You must talk to a BMO Harris Banker to request Relationship Waiver and to link your accounts. BMO Harris Bank does not automatically link your accounts. Additional information on Relationship Waiver can be found in the Deposit Account Agreement for Personal and Business Accounts, as amended, and the Deposit Account Disclosures.
  8. 8 The ATM operator or network may also charge you a fee for a transaction or balance inquiry.
  9. 9 Visit the BMO Harris Security Center for details.
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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.

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Automatic monthly savings

Sign up for Auto Save and transfer at least $100 from your BMO Harris personal checking account each month and we will waive your BMO Harris Select 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 checking 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 Select Money Market® $100
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How to waive fees

$15 monthly maintenance fee waived when any one of the following occurs:

  • You have kept a $2,500 or more minimum daily Ledger Balance in this account for the statement period
  • You have a minimum monthly $100 Auto Save transfer into this account, which will waive the monthly maintenance fee for two years after the Auto Save is established, as long as a minimum $100 Auto Save transfer into this account continues to occur each month during that two-year period.6 Waiver must be requested from a BMO Harris Banker
  • You have requested to link this account to a BMO Harris Portfolio Checking® or BMO Harris Select Checking® account to receive benefits under Relationship Waiver7 and meet the monthly Combined Balance requirement
  • You have requested that we to link this account to a Wealth Checking account to receive benefits under Relationship Waiver7 and meet the Average Daily Balance requirement

ATM Fees:

  • No ATM transaction fee for withdrawals and deposits at BMO Harris ATMs
  • $2.50 BMO Harris fee for each Non-BMO Harris ATM Transaction8