Plan Detail Comparison Page

Pricing Premium PlanPerformance PlanAIR MILES PlanPlus PlanPractical Plan
Monthly Fee $30 $14.95 $14.95 $10.95 $4
Fees waived if balance is greater than1 $5,000 $3,500 N/A $2,500 $1,500
Discounted rates for
Kids $19.05 $4 N/A No Fee N/A
Teens $19.05 $4 N/A No Fee N/A
Students & recent graduates $19.05 $4 N/A No Fee N/A
Seniors $26 $10.95 $10.95 $6.95 No Fee
Everyday banking Premium PlanPerformance PlanAIR MILES PlanPlus PlanPractical Plan
Number of accounts included Up to 20 Up to 20 Up to 20 Up to 20 Up to 2
Monthly transaction limit Unlimited Unlimited Unlimited 30 12
Fee for each transaction in excess of the monthly Plan limit n/a n/a n/a $1.25 $1.25
Number of withdrawals from non-BMO ATMs in Canada included each month2, 11 10 1 $1.50/each $1.50/each $1.50/each
Number of Interac e-Transfer ®‡ transactions included each month11 5 $1.50/each $1.50/each $1.50/each $1.50/each
Assisted-Service Bill Payment at no extra charge Yes Yes Yes Yes Yes
One monthly paper statement included No No No No Yes
Added Protection Premium PlanPerformance PlanAIR MILES PlanPlus PlanPractical Plan
Standard Overdraft protection monthly fee3,4 No fee $4 $4 $4 $4
Overdraft Transfer Service between accounts per transfer fee No fee $5 $5 $5 $5
Personal Credit Reserve
Additional Features Premium Plan Performance Plan AIR MILES Plan Plus Plan Practical Plan
Personalized cheques Yes N/A N/A N/A N/A
Money orders and drafts (in available currencies), certified cheques and stop payments Yes N/A N/A N/A N/A
Safety deposit box discount Yes N/A N/A N/A N/A
Travel Needs Premium Plan Performance Plan AIR MILES Plan Plus Plan Practical Plan
No-fee travellers’ cheques Yes Yes Yes Yes Yes
International debit transactions at non-BMO ATMs2 5 N/A N/A N/A N/A
Unlimited point of sale transactions on the Maestro® network globally5 Yes Yes Yes Yes Yes
Preferred exchange rate Yes, up to $5,000 per transaction N/A N/A N/A N/A
U.S. Dollar bill payments or transfers to U.S. banks by telephone banking service6 Yes N/A N/A N/A N/A
AIR MILES Reward Miles Premium Plan Performance Plan AIR MILES Plan Plus Plan Practical Plan
Earn 1 AIR MILES reward mile For every $40 when Primary Chequing is lead account7 N/A For every $30 when Primary Chequing is lead account8 N/A N/A
Earn 50 bonus AIR MILES rewards each month with a minimum balance of $3,0009 N/A N/A Yes N/A N/A
Earn 25 bonus AIR MILES rewards each month when you also have a BMO AIR MILES World MasterCard® N/A N/A Yes N/A N/A
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)10 N/A N/A Yes N/A N/A
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)10 N/A N/A Yes N/A N/A