Plan Detail Comparison Page

Pricing Premium Plan Performance Plan AIR MILES Plan Plus Plan Practical Plan
Monthly Fee $25 $13.95 $13.95 $9.95 $4
Fees waived if balance is greater than1 $5,000 $3,500 N/A $2,500 $1,500
Discounted rates for
Kids $15.05 $4 N/A No Fee N/A
Teens $15.05 $4 N/A No Fee N/A
Students & recent graduates $15.05 $4 N/A No Fee N/A
Seniors $21 $9.95 $9.95 $5.95 No Fee
Everyday banking Premium Plan Performance Plan AIR MILES Plan Plus Plan Practical Plan
Monthly transaction limit Unlimited Unlimited Unlimited 30 12
Monthly free withdrawals from non-BMO ATMs2 10 1 0 0 0
Free Interac®‡ e-transfers per month 5 0 0 0 0
Assisted-Service Bill Payment at no extra charge Yes N/A N/A N/A N/A
One monthly paper statement Yes Yes Yes Yes Yes
Added Protection Premium Plan Performance Plan AIR MILES Plan Plus Plan Practical 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
Occasional Overdraft Protection per transaction fee No fee $5 $5 $5 $5
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