Statement Savings

Gives you access to your money while helping you avoid monthly maintenance fees with Auto Save1 transfers or Relationship Waiver2.


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Statement Savings Account Interest Rates

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Minimum Balance To Obtain APY3 Interest Rate (%) APY (%)3
$0.01 to $2,499.99
$2,500 to $9,999.99
$10,000 to $24,999.99
$25,000 or more

These rates are effective as of .

BMO Harris Statement Savings Features

  • BMO Harris Bank by PhoneSM 4
  • Direct deposit
  • Variable interest rates5and annual percentage yields
  • Quarterly statements6
  • $5 monthly maintenance fee waived with monthly Auto Save transfer of $251

Minimum opening deposit: $100

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 2 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 (2) year period.1
  • Waiver must be requested from a BMO Harris Banker
  • The Primary Account Owner is under 18 years of age
  • You have requested us to link this account to a BMO Harris Portfolio Checking® or BMO Harris Select Checking® account to receive benefits under Relationship Waiver2 and meet the monthly Combined Balance requirement
  • You have requested us to link this account to a Wealth Checking account to receive benefits under Relationship Waiver2 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 Saving account’s monthly maintenance fee for two years. This fee waiver only applies for one (1) two-year period per account and you need to 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
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 Transaction7



The following documents describe terms and conditions that apply to your account:

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Definitions of Capitalized Terms

  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Arizona locations only.
  4. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates may apply. Contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Central and Southern Indiana locations only.
  4. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on 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. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on 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. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on 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. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on 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. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Washington locations only.
  4. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.
  1. The waiver only applies for one (1) two-year period per account. The customer must request the waiver from a BMO Harris Banker.
  2. 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 dated October 6, 2012, as amended, and the Deposit Account Disclosures.
  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 on 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. Click here for Transaction Limitations.
  5. Please read Interest Rates and Calculations for information on interest on deposit accounts.
  6. Savings Account statements are generally provided quarterly, but are provided monthly if there is an electronic transaction on the Account or if the Account is a Linked Plus Account.
  7. The ATM Operator or network may also charge you a fee for a transaction or balance inquiry.
  8. Message and data rates apply. Please contact your wireless carrier for details. BMO Harris Mobile Deposit is available for iPhone®, iPad® and Android Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and/or other countries. Android is a trademark of Google Inc.