BMO U.S. Dollar Bank Accounts give you the flexibility to write cheques, make withdrawals, transfer and deposit, and pay bills. Choose from the U.S. Dollar Primary Chequing Account, or the U.S. Dollar Premium Rate Savings Account, depending on your needs.

With a U.S. Dollar Bank Account, your options really open up

Get a BMO U.S. Dollar credit card and enjoy the convenience of:

• Paying your BMO U.S. Dollar credit card bill in U.S. dollars instantly.
• No exchange rate surprises. U.S. purchases are charged in U.S. dollars.

Learn More

Interest Rate	0.000% on U.S. Dollar Primary Chequing Account 0.200% on US Dollar Premium Rate Savings Account balances up to $59,999.99* 0.200% on US Dollar Premium Rate Saving Account balances $60,000.00 and over* Please note: Interest is payable on US Dollar Premium Rate Savings Accounts
Features	Pay no monthly fee on your Primary Chequing account when you keep the minimum monthly balance for your Everyday Banking Plan1 Write cheques2 from your U.S. Dollar Primary Chequing Account Send a no-fee U.S. Dollar Money Order or Draft from your account Send wire payments3 Make payments on your BMO U.S. Dollar MasterCard Purchase cash when U.S. exchange rates are low Save your U.S. dollars for your next trip, to make a payment or for a rainy day Use our affiliate4 in the United States, Harris Bank, to open an account if you make frequent transactions, provided you qualify5
Earn AIR MILES Reward Miles	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 month6

Terms and Conditions

Everyday Banking Plans

Pay one monthly fee with a Banking Plan combining all your eligible accounts (up to 20) in one plan⁷.

Every plan includes:

• Coverage of up to 20 accounts, including joint accounts and US Dollar accounts⁷
• Free banking with a minimum monthly balance¹
• One monthly statement
• Earn AIR MILES reward miles on debit card purchases in an eligible Banking plan⁹

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 ABM 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 $0.00/month8 Apply Unlimited transactions, free Travellers Cheques and preferred exchange on US$, enhanced travel features, more	Senior Plan with AIR MILES $5.45/month Apply Unlimited transactions, free travellers Cheques and preferred exchange on US$, enhanced travel features, earn AIR MILES reward miles, 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.