BMO Smart Advantage Checking Account

With no monthly maintenance fees, our most popular checking account helps your money go further. Additionally, make use of our digital tools to bank from anywhere and receive individualized in-branch assistance whenever you need it.

BMO Harris Bank

Open Account

securely on the bank's website

Monthly upkeep charge $0
Unlimited - Transactions at more than 40,000 nationwide fee-free ATMs

Checking account details

Fees and How to Avoid Them

The feature available with a Smart Advantage account is displayed in Column 1; the charge related to that feature is displayed in Column 2.
A feature	Cost
Monthly Maintenance Fee	$0
ATM transactions not made by BMO	$0
Statements on paper	$3
BMO and Allpoint® ATM transactions in the United States are subject to a monthly maintenance charge.	$3 (price waived if any account holder is 65 years of age or older; paperless statements are also available for no cost)
Check Images	$3 (you can choose to use paperless statements for free check images or to opt out of check images).
Fee for overdraft	$15 (to prevent costs, acquire overdraft services)
Opening deposit minimum	$25

Checking account fees

Monthly Fee

$0
APY

n/a
Minimum Deposit to Open

$25
Out-of-Network ATM Transaction Fee

$0
Out-of-Network ATM Withdrawal Fee

n/a
Overdraft Fee

$15
Non-Sufficient Funds Fee

n/a
Foreign Transaction Fee

n/a

BMO Smart Advantage Checking Account FAQ

1. To create a new checking account, what do I need?

Online account opening is quick and simple. You only need to have:

Your home address in the United States, phone number, and email address
Your birthdate and Individual Taxpayer Identification Number (ITIN) or Social Security Number (SSN)
US citizenship or status as an alien resident in the country

If none of these situations describe you, don't panic; you can still apply for an account by contacting 1-888-340-2265 or going to a branch.

2. Details to assist you with depositing your other bank

The login information for the other bank
Their account and routing numbers

3. What is the duration required to create an online account?

Online account opening takes less than five minutes! Your debit card will be mailed to you in a few business days after you register for Internet banking.

4. How do I take advantage of fee-free banking?

It's simple to avoid expenses with our Smart Advantage account since, as long as you choose paperless statements, there is no monthly maintenance charge.

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Check Out Other Products From BMO Harris Bank

Bank	Monthly Service Charge	Minimum Deposit to Open	APY
BMO Harris Bank Smart Money™ Checking Account	$5*	$25	0.00%
BMO Harris Bank Smart Advantage™ Checking Account	$0	$25	0.00%
BMO Harris Premier™ Checking Account	$25 (can be waived)	$25	0.01% / 0.05%

These Checking accounts might also interest you

Bank	Monthly Service Charge	Minimum Deposit to Open	APY
Comerica Bank Rich Rewards® Checking Account	$18 (can be waived / reduced)	$50	0.01%
Comerica Bank Premier Checking Account	$22	$50	0.01%
Comerica Bank Comerica Platinum Circle Checking®	$0	$50	0.10% / 0.25%