Interest Rate	No interest is payable Do you keep a low balance in your account? Want to avoid bank fees? Tell me more
Features	Offers free banking with a minimum monthly balance when you choose a Bank Plan1 Add overdraft protection (subject to qualification) Write cheques, view processed cheques online and receive images with mailed statement Consolidated mailed statement of all bank accounts or opt out of mailings and view account statements online Also available in US dollars2 Access to BMO MoneyLogic,™ an online financial management tool that helps you to view, track and manage your money
Earn AIR MILES Reward Miles	Earn 1 AIR MILES reward mile for every $40 you spend3 on your debit card when the Primary Chequing account is your lead account4 Every month you maintain a daily balance of $5,000 or more in your chequing and/or savings account(s), you earn 25% more reward miles on the purchases you make using your BMO Gold AIR MILES®† MasterCard®* in the following month5

Terms and Conditions

Everyday Banking Plans

Pay one monthly fee with a Banking Plan combining all your eligible accounts (up to 20) in one plan⁶.

Every plan includes:

• Coverage of up to 20 accounts, including joint accounts and US Dollar accounts⁶
• Free banking with a minimum monthly balance¹
• One monthly statement
• Earn AIR MILES reward miles on debit card purchases in an eligible Banking plan³

Choose the plan that suits you best

Premium Plan $25.00/month (waived if account monthly balance is greater than $5,000)1 Apply Unlimited transactions, 10 non-BMO ATM transactions, earn AIR MILES reward miles, enhanced travel features, more	Performance Plan $13.95/month (waived if account monthly balance is greater than $3,000)1 Apply Unlimited transactions, 2 Interac email money transfers, earn AIR MILES reward miles, more
Plus Plan $9.95/month (waived if account monthly balance is greater than $2,000)1 Apply 30 transactions per month, free for children and students, more	Practical Plan $4.00/month (waived if account monthly balance is greater than $1,000)1 Apply 10 transactions per month, more
Senior Plan $0.00/month7 Apply Unlimited transactions, free Travellers Cheques and preferred exchange on US$, enhanced travel features, more

If these plans are not suitable, you can choose to pay on a 'per transaction' basis

Terms and Conditions

Banking Agreements

Download the Agreements for Everyday Banking (218 KB - PDF) brochure:
Contains all of the relevant banking agreements that apply to Personal Accounts at BMO Bank of Montreal.

Download the Better Banking Guide (965 KB - PDF) brochure:
Information about Personal Accounts, Everyday Banking Plans, services, fees and more.

Download the Banking Solutions (1 MB - PDF) brochure:
An overview of the various banking solutions BMO provides to our customers.

Download the Chip Technology (284 KB - PDF) brochure:
Information about Chip technology included with our debit cards.