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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

Overdraft Protection

Relax knowing that you’ve got the cash you need to take care of life’s unexpected extras. BMO Overdraft Protection makes extra funds available to you when you need them. You’re never overdrawn and you always have sufficient funds to cover unforeseen expenses. Choose the type of Overdraft Protection that works for you.

Overdraft transfer service

  • Enjoy peace of mind with pre-arranged transfers from your account, your BMO MasterCard® or your Line of Credit
  • Included in Performance, Premium, Plus, Senior, and Senior Plan with AIR MILES Everyday Banking Plans
  • Service is subject to transfer fee (Senior, and Senior Plan with AIR MILES) and debit transaction fee (per transfer fee is waived for Performance, Premium and Plus Plans)

Personal Credit Reserve

  • Enjoy between $500 and $2,500 of coverage1
  • Pay no monthly fee with Performance, Premium, Plus, Senior, and Senior Plan with AIR MILES Everyday Banking Plans
  • Pay no individual transaction fees when you remain within your personal limit
Need more than $2,500? Consider a Personal Line of Credit with Overdraft Transfer Service.


Find out more about BMO Overdraft Protection
1 Subject to credit qualification; prevailing rates of interest apply.
Book your own appointment. Get Started.
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