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.

securely on the bank's website

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

Checking account details

Checking account fees

  • Monthly Fee
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
  • Overdraft Fee
  • Non-Sufficient Funds Fee
  • Foreign Transaction Fee

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.

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%
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