Need help choosing?

Browse through these options to find the Bank Plan that best suits your needs.

Ideal for the day-to-day customer looking for flexibility when managing money.
  • Unlimited everyday banking transactions1,2
  • 1 non-BMO ATM withdrawal on the Interac®† network / month3,4
For the casual customer who has minimal monthly transactions.
  • 30 everyday banking transactions per month1,2
  • FREE for kids, teens, students and recent graduates5
Perfect for the frequent traveler or anyone that loves earning AIR MILES®* reward miles.
  • Unlimited everyday banking transactions1,2
  • Earn 1 AIR MILES reward mile for every $30 you spend using your BMO Debit Card6
Questions?

We're always here to help make your money make sense. Call us at 1-877-225-5266 or book an appointment online.

Bank Plan Features Plus Plan Performance Plan AIR MILES Plan®*
Everyday Banking      
Monthly everyday banking transaction limit including account history inquiries1,2 30 Unlimited Unlimited
Minimum monthly balance needed to eliminate monthly fee3 $2,500 $3,500 not available
Monthly number of withdrawals using a non-BMO ATM on the Interac®†* network5,4 $1.50 each 1 $1.50 each
eStatement included included included
Discounted banking programs - Kids, Teens, Students and Recent Graduates6 Free1 $4.00 $13.95
Discounted banking programs - Seniors and beneficiaries of an RDSP $5.95 $9.95 $9.95
       
Added Protection Options      
Overdraft Transfer Service between personal accounts to cover insufficient funds7 $5 / transfer $5 / transfer $5 / transfer
Overdraft Protection - Standard8 $4 / month $4 / month $4 / month
Overdraft Protection - Occasional9 $5 / item $5 / item $5 / item
       
Travel Needs      
Travellers cheques (traditional style single signature) included included included
International: debit card transactions at merchants using the Maestro®*‡† network10,11 included included included
       
AIR MILES Reward Miles      
Earn on purchases made with your BMO Debit Card12 - 1 / $30 -
Earn 50 Bonus reward miles each month with a minimum balance of $3,00013 - Yes -
Earn 25 Bonus reward miles each month when you also have a BMO AIR MILES World MasterCard®*‡† card - Yes -
Earn 100 Bonus reward miles with a direct deposit set up within the first 90 days14 - Yes -
Earn 20 Bonus reward miles on Pre-Authorized Payment set up within the first 90 days15 - Yes -
  1. You are responsible for all transaction, service and product fees not included in your Bank Plan.
  2. Account histories completed through BMO Mobile or BMO Online Banking do not count towards the monthly transaction limit.
  3. The monthly Bank Plan fee can be eliminated by maintaining the minimum monthly balance at all times in a Primary Chequing account that has been designated as the lead account for your Bank Plan. The lead account is the one you designate to pay any fees required by your Bank Plan for example, your monthly Plan fees and transaction fees.
  4. Does not include fees that may be charged by non-BMO ATMs.
  5. Per-item fees will apply when you exceed the number of transactions included in your Plan.
  6. Annual proof of full-time registration in a post-secondary university or college or registered vocational school due by December 24, of each year you're enrolled. Recent Post-Secondary School Graduates are eligible for one year of free or discounted banking under the Student discounted banking program. Proof of graduation from post-secondary education is due by December 24, of the year you graduate, otherwise the full monthly Plan fee will be applied automatically. You are responsible for all the fees of any transactions, services and products not included in the Everyday Bank Plan.
  7. You are required to provide initial set-up instructions for this service. The Overdraft Transfer Service fee is in addition to any debit transaction fee.
  8. Available to qualified customers; interest will be calculated on the daily overdraft balance at prevailing overdraft interest rates and charge to the account at the end of the month. Overdraft Protection fees apply individually to each account with the authorized limit within the Plan.
  9. The Overdraft per-item fee applies to each item that creates or increases overdraft. For cheques and pre-authorized debits, we process debit transactions against accounts in the order in which we receive them via the clearing system. Overdraft per item charges will be incurred in the same order as items are received from the clearing system.
  10. Applies to purchases made outside of Canada on the Maestro network. Other transaction or network fees may apply.
  11. Subject to monthly transaction limit in the Plan.
  12. Your primary chequing account must be your lead account for the AIR MILES Plan. The lead account is the one you designate to pay any fees required by your Bank Plan for example, your monthly Plan fees and transaction fees. Award of AIR MILES reward miles is made for debit card purchases minus refunds from your Primary Chequing account. The number of AIR MILES reward miles will be rounded down to the nearest whole number. Fractions of AIR MILES will not be awarded. A maximum of forty (40) AIR MILES reward miles on the AIR MILES Plan can be earned per month for debit card purchases.
  13. AIR MILES reward miles can be earned by maintaining the minimum monthly balance at all times in a Primary Chequing account that has been designated as the lead account for the AIR MILES Plan. The lead account is the one you designate to pay any fees required by your Bank Plan for example, your monthly Plan fees and transaction fees.
  14. Bonus AIR MILES reward miles can be earned by setting up a qualified direct deposit to a Primary Chequing account that has been designated as the lead account for the AIR MILES Plan. A maximum of one (1) direct deposit set up per month.
  15. Bonus AIR MILES reward miles can be earned by setting up a qualified Pre-Authorized Payment from a Primary Chequing account that has been designated as the lead account for the AIR MILES Plan. A maximum of five (5) Pre-Authorized Payment set-ups per month.

™/® Trademarks of Bank of Montreal.
®* Registered trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.
®† Interac, the Interac logo and Interac e-Transfer are registered trade-marks of Interac Inc. Used under license.
®‡*† Registered trade-marks of MasterCard International Inc. Used under license.