BMO Harris Bank Smart Money™ Checking Account

You can apply for the BMO Harris Smart Money Checking account online, when you click the "APPLY NOW" button available on this page. You'll be directed to the official BMO Harris Bank website, where you'll see an application form you need to complete with your personal information, including:

• Your name, phone, address, email,
• Your date of birth and Social Security Number,
• Your employment status.

Then, you'll be asked to select a BMO Harris Bank debit card, and order complimentary checks (both of these are optional). Before agreeing to the fine print, you'll need to choose between an individual or joint checking account. Once you've verified everything, you'll need to provide a bank account number or see how else you can fund your new BMO Harris Smart Money Checking account.

Of course, you can also call BMO Harris and apply by phone at 1-888-340-2265. You can also visit your local BMO Harris Bank branch or make an appointment with a BMO Harris banker first.

BMO Harris will only waive the monthly fee on its Smart Money Checking Account if you're less than 25 years old.

BMO Harris Bank's mobile app features, Debit Card Controls, and Debit Card Alerts help you stay on top of your debit card usage by setting up a number of options that would allow you to monitor your debit card.

Debit Card Controls enable you to decide how, when, and where your BMO Harris debit card is used. Currently, you can manage locations, merchant types, transaction types, and spend limits.

As for Card Alerts, once set up, you'll receive notifications through the BMO Harris Bank mobile app informing you when your BMO Harris debit card is used. You can select whether you want to receive notifications each time you make a payment or based on transaction types, merchant types, international transactions, and threshold amount.

In the unlucky event your BMO Harris Bank Mastercard^® debit card is lost or stolen, you need to contact the customer service at 1-888-340-2265 immediately.

BMO Harris Bank's Mobile Cash is a free and safe service allowing you to withdraw cash from a number of BMO Harris ATM terminals using your Android or iPhone mobile device. To do this, you need to have an ATM or debit card linked to your Smart Money Checking Account, which is done automatically once you've enrolled in Mobile Banking.

This feature is available at most BMO Harris ATMs, but some off-site locations, such as Speedway or Walgreens, don't offer it.

BMO Harris Bank gives its customers the option to access and manage their accounts by phone. Dialing 1-888-340-2265 will enable you to:

• Check your account balance,
• Hear recent and pending transactions,
• Transfer funds between eligible accounts,
• Make payments to a loan, line of credit or mortgage,
• Request account changes,
• Open a new deposit account,
• Apply for a personal or business loan,
• Speak to a Contact Center Banker (by pressing 0).

As you can see, it's quite a convenient and quick way to do some basic banking tasks!

BMO Harris Total Look is BMO Harris Bank's service allowing you to manage your BMO Harris accounts, as well as any other bank account(s) you have online, such as your checking accounts, savings accounts, online investments, credit cards, mortgages, loans or something else - regardless of whether you keep them with BMO Harris Bank or some other bank or financial institution.

You can use this free, but safe tool to view your account balances and history, personalize a budget, set financial goals, and track progress - all put together in one place!

The service is available when you log in to BMO Digital Banking, and select "Total Look", and then "Get Started".

BMO Harris Bank offers you several ways to send and receive money, depending on your needs and preferences. You can:

• Use Zelle to send, request, and receive money from friends and family, with no charge from BMO Harris.
• Transfer funds between your BMO Harris accounts with Internal Transfers.
• Transfers funds between your BMO Harris accounts, and external accounts with External Transfers.
• Use Mobile Deposit to make check deposits with your smartphone.

You can use External Transfers to transfer funds between your BMO Harris accounts, and your external accounts if you have:

• a BMO Harris personal or money market account, or an eligible BMO Harris mortgage, line of credit or other personal loan account,

and

• an external deposit account at another U.S. financial institution.

BMO Harris Bank offers you the option to choose additional overdraft protection services, such as:

• Overdraft Funding: In case you have a linked BMO Harris savings account, money market account or other checking account, money will be transferred automatically from that account to your BMO Harris Smart Money Checking Account.
• Overdraft Protection Line of Credit: In case you go overdraft, BMO Harris will automatically access your line of credit, up to your available credit limit.

If you're interested in either of these two overdraft protection services, you need to speak with a BMO Harris Banker to enroll. For the Overdraft Protection Line of Credit, you need to apply, and be approved.

The fees associated to these services do not apply to the BMO Harris Smart Money Checking Account.