Primary Chequing Account

This is the account you'll use every day for things like debit purchases, withdrawals, deposits and bill payments.

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Interest Rate	No interest is payable
Features	Free Online Banking access Add overdraft protection (subject to qualification) Write cheques and view processed cheques online Also available in US dollars²
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

We understand that your banking needs are unique, so we're giving you the option to choose the plan that fits your lifestyle and needs:

Choose from three Everyday Banking Plans as part of your discounted program: Plus Plan, Performance Plan and Premium Plan
Coverage of up to 20 accounts, including joint accounts and US Dollar accounts⁶.
Access all your accounts online with one easy sign-in.

Choose the plan that suits you best

Plus Plan FREE (regular $9.95/month)¹ Apply 30 transactions per month, 1 Interac e-transfer, more	Performance Plan $4.00/month (regular $13.95/month)¹ Apply Unlimited transactions, 2 Interac e-Transfer, earn AIR MILES reward miles, more
Premium Plan $15.05/month (regular $25.00/month)¹ Apply Unlimited transactions, 10 non-BMO ATM transactions, earn AIR MILES reward miles, enhanced travel features, more

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.