Smart Money Checking Account from BMO

With no overdraft fees, Smart Money checking account with cheap monthly fees offers you peace of mind.

securely on the bank's website

Obtain the benefits you require to move forward financially.

  • No fines for overdrafts for more comfort
  • Over 40,000 fee-free ATMs are available nationwide, almost three times as many as the three biggest banks.
  • BMO Digital Banking puts banking at your fingertips; you can send money, pay bills, and do much more.
  • Personalized assistance by phone, in-branch, and internet chat

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

Smart Money Checking Account from BMO FAQ

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

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

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

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

BMO Harris Bank will waive the $5 monthly maintenance cost if you are under 25; if not, you will be required to pay it.

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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