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Business Checking Analyzed

 

Does your business do a lot of banking? If you have higher transaction volumes and higher balances, our Business Checking Analyzed account may be a smart choice, with certain fees offset by an Earnings Credit based on your deposit balances.

 

Minimum opening deposit: $100

 


Features and benefits

 

  • BMO Harris Bank Debit MasterCard® BusinessCard available
  • Automatically uses Earnings Credit to offset certain fees
  • Overdraft Protection Line of Credit available, with bank and credit approval
  • Overdraft Funding also available. In order to have Overdraft Funding, you must enroll in this service
  • Access your accounts any time, from anywhere via Online and Mobile Banking1
  • Keep an eye on your accounts, even if you aren’t with BMO Harris, using BMO Harris Total Look®
  • Make payments quickly with BMO Harris Business Bill Pay®

How various fees may be waived

How various fees may be waived

Monthly fees per statement period:

 

  • $20 monthly maintenance fee
  • Balance admin fee2

 

Transaction fees per statement period:

 

  • $.65 for each deposit
  • $.20 for each check paid
  • $.18 for each check deposited
  • $.25 for each ACH transaction (credit and debit)
ATM Fees:

 

  • No ATM transaction fees for withdrawals, deposits, transfers and balance inquiries at BMO Harris ATMs
  • $2.50 BMO Harris fee for each Non-BMO Harris ATM Transaction in excess of two (2) per statement period Transactions per statement period3

 

Check Images:

 

  • $3 per statement period. You must request Check Images from your BMO Harris representative.
  • This fee will be waived if you select to only receive online statements through BMO Harris Online Banking® and not paper statements.
Earnings Credit information

Earnings Credit information

This account receives variable Earnings Credit based on the Average Collected Balance in the account; Earnings Credit is used to offset certain fees.

Account terms and other fees

Account terms and other fees

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

 


How various fees may be waived

 

Monthly fees per statement period:

 

  • $20 monthly maintenance fee
  • Balance admin fee2

 

Transaction fees per statement period:

 

  • $.75 for each deposit
  • $.20 for each check paid
  • $.18 for each check deposited
  • $.15 for each ACH transaction (credit and debit)

 

ATM Fees:

 

  • No ATM transaction fees for withdrawals, deposits, transfers and balance inquiries at BMO Harris ATMs
  • $2.50 BMO Harris fee for each Non-BMO Harris ATM Transaction in excess of two (2) per statement period Transactions per statement period3

 

Check Images:

 

  • $3 per statement period. You must request Check Images from your BMO Harris representative.
  • This fee will be waived if you select to only receive online statements through BMO Harris Online Banking® and not paper statements.

Earnings Credit information

 

This account receives variable Earnings Credit based on the Average Collected Balance in the account; Earnings Credit is used to offset certain fees.


Account terms and other fees

 

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

 

Product Disclosure (252KB, PDF)

 

Deposit Account Agreement (405KB, PDF)


 

 

Minimum opening deposit: $100



All loans, lines of credit and credit cards are subject to bank and credit approval

 

Definitions of Capitalized Terms

 

1Message and data rates may apply. Contact your wireless carrier for details.

 

2This fee will be assessed per $1,000 in Average Ledger Balances multiplied by a factor that is determined by BMO Harris. This factor is variable and is subject to change from time to time without notice.

 

3Non-BMO Harris ATM operators or networks may charge a fee for a transaction or balance inquiry.

 

MasterCard® is a registered trademark of MasterCard International Incorporated.