Statement Savings

A flexible savings account that provides easy access1 to your money and earns interest

Statement Savings Account Benefits

  • A low minimum opening deposit makes this a good fit for those just starting to save.
  • Establish a savings routine with monthly Auto Save from a BMO Harris checking account.
  • Variable interest rates and APYs2 can help you earn more from your savings over time and reach your goals faster.
  • You have the flexibility to access your cash when you need it.1
  • Save with confidence. All accounts are FDIC insured to the maximum allowed by law.3
  • Link this account to your personal checking account and help avoid overdraft fees with Overdraft Funding.4

Statement Savings account interest rates

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Minimum Balance To Obtain APY5 Interest Rate (%) APY (%)5
$0 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.10

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

BMO Harris Select Money Market®

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

Learn more


  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier for details.
  1. 1 Click here for Transaction Limitations.
  2. 2 Annual Percentage Yield (APY). Please read Interest Rates and Calculations for information on interest on deposit accounts.
  3. 3 Please visit www.fdic.gov for current FDIC insurance limits.
  4. 4 Please visit Overdraft Services for more information on Overdraft Funding.
  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.
  10. 10 Message and data rates may apply. Contact your wireless carrier 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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How to waive fees

Monthly maintenance fee waived when conditions are met.

$5 monthly maintenance fee waived when any one of the following occurs:

  • You have kept a $500 or more minimum daily Ledger Balance in this account for the month
  • You have a minimum monthly $25 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 $25 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
  • The Primary Account Owner is under 18 years of age
  • 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

Start saving and waive your fees with Auto Save.

Sign up for Auto Save and transfer at least $25 from your BMO Harris personal checking account each month and we will waive your Statement Savings 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

ATM Transaction 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