Need help choosing?

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

Ideal for the day-to-day banking customer who doesn't want to worry about overage charges.
  • Unlimited everyday banking transactions
  • Save up to $452.60 / year on fees13
  • No additional fee for overdraft protection8,9
For the casual customer who has minimal monthly transactions.
  • 30 transactions - in branch, by phone, online or at a BMO ATM
  • Save up to $288.60 / year on fees14
  • Free for kids, teens, students and recent graduates20
Perfect for the frequent traveler or anyone that loves earning AIR MILES reward miles.
  • Unlimited everyday banking transactions
  • Save up to $338.60 / year on fees13
  • Earn 1 AIR MILES reward mile for every $30 you spend using your BMO debit card18

Sign up now and get 1,000 Bonus AIR MILES reward miles with your first purchase.*

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 transaction limit (including account history inquiries)2 30 Unlimited Unlimited
Monthly number of debit transactions using non-BMO ATM on the Interac®* network3 0 1 0
Cheque image return option5 Yes Yes Yes
Assisted-service bill payment at no extra charge Yes Yes Yes
eStatement Yes Yes Yes
Added Protection
Overdraft Transfer Service between personal accounts in the Bank Plan to cover overdraft at no extra charge5 Yes Yes Yes
Overdraft protection up to $50 U.S. on U.S. dollar chequing accounts in good standing6 No Yes Yes
Personal Credit Reserve (up to $2,500) with no monthly fee or per-item fee7,8 Yes Yes Yes
Occasional Overdraft Protection Service (up to $500) on an account in your Plan with no per-item fee6 Yes Yes Yes
Travel Needs
Travellers cheques: no fee for purchase of traditional style single signature Yes Yes Yes
International: Debit card transactions at merchants using the Maestro®# network9,10 Yes Yes Yes
Additional Features
Fee for debit transactions and/or account history inquiries in excess of monthly transaction limit (per item) $1.00 Free Free
AIR MILES Reward Miles
Earn on purchases made with your debit card12 No No 1 / $30
Earn 50 bonus AIR MILES rewards each month with a minimum balance of $3,00013 No No Yes
Earn 25 bonus AIR MILES rewards each month when you also have a BMO AIR MILES World MasterCard®* No No Yes
Earn 100 bonus AIR MILES rewards with a Direct Deposit set-up within the first 90 days you hold the plan (maximum of 1 Direct Deposit set-up/month)15 No No Yes
Earn 20 bonus AIR MILES rewards with a Pre-authorized Debit (PAD) set-up within the first 90 days you hold the plan (maximum of 5 PADs set-up/month)16 No No Yes
Monthly Bank Plan Fee $9.95 $13.95 $13.95
Discounted banking programs
Kids, Teens, Students and Recent Graduates
Free $4.00 N/A
Discounted banking programs
Seniors
$5.95 $9.95 $9.95
Minimum monthly balance needed in a Primary Chequing account to eliminate monthly fee1 $2,500 $3,500 N/A
  1. 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 banking (i.e. monthly Plan fees, transaction fees).
  2. Customer is responsible for all fees of any transactions, services and products not included in the Everyday Bank Plan.
  3. Does not include fees that may be charged by non BMO ATMs.
  4. Cheques made payable to yourself or to cash and cashed at any BMO Bank of Montreal branch, may not be returned but are described on your statement. Cheque images are not available with eStatements. You will still be able to view, save and print cheque images from the previous three months through Online Banking. If in the future you require any copies of cheques that are no longer available through Online Banking you may request a copy at a BMO Bank of Montreal branch or by calling 1-800-363-9992. A per-item fee may apply.
  5. You are required to provide initial set-up instructions for this service.
  6. No per-item fee charged provided you are within your approved Personal Credit Reserve limit.
  7. Available to qualified customers; interest will be charged at prevailing overdraft interest rates.
  8. No per-item fee charged provided you are within your approved Personal Credit Reserve limit.
  9. Subject to Monthly Transaction Limit.
  10. Applies to purchases made outside of Canada on the Maestro network. Other transaction or network fees may apply.
  11. To transfer funds you must register each account and financial institution to which you wish to transfer funds. The registration period may take up to 10 business days.
  12. Your Primary Chequing Account must be your lead account. The lead account is the one you designate to pay any fees required by your Bank Plan (i.e. monthly plan fees, transaction fees). Award of AIR MILES reward miles is made for Debit Card purchases minus refunds from your Primary Chequing Account with one of the following Everyday Bank Plans: Premium Plan or AIR MILES Plan. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded. A maximum of 40 reward miles on the Premium Plan or 50 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 banking (i.e. monthly Plan fees, transaction fees).
  14. The discount will not be applied to the Plan fee if proof of eligibility is not provided. Additional fees paid may not be refunded.
  15. 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. The lead account is the one you designate to pay any fees required by your Bank Plan (i.e. monthly plan fees, transaction fees).
  16. Bonus AIR MILES reward miles can be earned by setting up a qualified Pre-Authorized Debit from 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 (i.e. monthly plan fees, transaction fees).
  17. The Senior discounted banking program will be applied automatically if proof of age is on file and you are in an eligible Plan. The discounted program is not eligible on plans no longer offered.
  18. U.S. dollar Plan and transaction fees are charged in U.S. dollars.
  19. Passbooks are not available for new accounts.