Premium Rate Savings Account

This account allows you to save your money and earn interest on every dollar you save. Plus, you have easy access to use it if you need to.

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Interest Rate	0.250% on balances up to $59,999.99* 0.250% on balances $60,000.00 and over*
Features	Earn interest on every dollar every day Free Online Banking access 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

*= Paid on the portion of the balance within this tier.
Rates shown are calculated on a per annum basis. Rates are subject to change without notice

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.