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Account Transaction Fees

The following account transaction fees apply to all personal accounts. These fees are not applicable if one of the Everyday Bank Plans is selected.

Service Primary Chequing Interest Chequing3 Premium Rate Savings Smart Saver4
Self-serve
Electronic (per item)
Pre-authorized bill payment/debit $1.00 $1.00 $1.00 $5.00
Debit card purchase1 $1.00 $1.00 Not available Not available
Interac Online debit $1.00 $1.00 Not available Not available
ATM (per item)
Cash withdrawal $1.00 $1.00 $5.00 $5.00
Funds transfer $1.00 $1.00 $1.00 $5.006
Electronic bill payment $1.00 $1.00 Not available Not available
Account history inquiry $1.00 $1.00 $1.00 $0.85
Telephone banking (per item)
Funds transfer $1.00 $1.00 $1.00 $5.006
Bill payment $1.00 $1.00 Not available Not available
Account history inquiry $1.00 $1.00 $1.00 $0.85
Online/ Mobile banking (per item)
Funds transfer $1.00 $1.00 $1.00 $5.006
Bill payment $1.00 $1.00 Not available Not available
Account history inquiry Free Free Free Free
Cheque drawn on account (per item) $1.00 $1.00 Not available Not available
Assisted-service
Branch/ BMO Customer Contact Agent (per item)
Withdrawal $1.00 $1.00 $5.00 $5.00
Funds transfer $1.00 $1.00 $1.25 $5.006
Bill payment2 $1.00 $1.00 Not available Not available
Account history inquiry $1.00 $1.00 $1.25 Free
Other services
Paper statement5 (per statement/per month) $2.00 $2.00 $2.00 $2.00
eStatement Free Free Free Free

Fees funded from U.S. Dollar accounts will be collected in U.S. dollars.
1 Additional fees may be charged by the merchant for use of point-of-sale devices.
2 A bill payment handling fee of $1.50 applies where applicable.
3 This information is for existing account holders only.
4 This account cannot be included as part of an Everyday Bank Plan.
5 One paper statement is included with the Practical Plan, Kids discounted banking program and Senior Plan (no longer offered) at no charge. This fee will apply for each additional account statement.
6 Get one free transfer per month from your Smart Saver Account to your other BMO accounts through any BMO channel. Each additional transfer is $5.00.

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Smart Saver Account
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Premium Rate Savings Account
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