A faster way to reach your savings goals.

Smart Saver Account

The BMO® Smart Saver Account offers our highest interest rate on a savings account so you can save for your longer-term goals and still access your money if you need it. 2,3

With this account

Earn 1.050% interest on all balances 3

A high interest rate savings account 3

One free monthly transfer from your Smart Saver Account to your other BMO accounts through any channel 19

Bank Accounts

Select an account and choose from an array of Bank Plans to combine chequing and savings accounts your way for one low monthly fee.1

We offer discounts for different groups. Check to see if you qualify for a discount.

Pick a Bank Plan

Discounted Plans
Other Plans

Premium Plan

Get unlimited everyday banking transactions plus premium features and benefits.

Unlimited transactions across all BMO® channels 20

Earn 1 AIR MILES® Reward Mile for every $40 you spend using your BMO Debit Card 21

Benefits

  • 5 Interac e-Transfer® transactions per month
  • No monthly or per item fees for Overdraft Protection with coverage available from $500 to $2,50023
  • Cheque image return18
  • Assisted service bill payments
  • Personalized cheques at no extra charge (cheque style limited)
  • Money orders and drafts (in available currencies), certified cheques and stop payments at no extra charge 24
  • Annual safety deposit box rental discount
  • Send money globally to over 200 countries and territories with Western Union® Money Transfers™ via Interac e-Transfer through BMO Online Banking

Travel Features

  • No-fee travellers cheques (traditional style single signature)
  • 5 international debit transactions using non-BMO ATMs on the Cirrus® network each month 22
  • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona
  • Preferred exchange rate when buying or selling U.S. cash (up to $5,000 U.S. per transaction)
  • Unlimited point of sale debit transactions on the Maestro® network globally 25
  • U.S. dollar bill payments or transfers to U.S. banks by telephone banking service 26

Added Protection

  • No additional fee for overdraft protection 11,12
  • Overdraft Transfer Service between personal bank accounts in the Bank Plan 13

Performance Plan

Our most popular Bank Plan offers unlimited everyday banking transactions for a competitive price.

Unlimited transactions across all BMO® channels 20

1 non-BMO ATM withdrawal on the Interac® network / month 22

Benefits

  • Cheque image return 18
  • Assisted service bill payments
  • Send money globally to over 200 countries and territories with Western Union® Money Transfers™ via Interac e-Transfer® through BMO Online Banking

Travel Features

  • Unlimited point of sale transactions on the Maestro® network globally 25
  • No-fee travellers cheques (traditional style single signature)
  • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

Plus Plan

Includes about 1 everyday banking transaction per day for a low monthly fee.

30 transactions per month across all BMO® channels 20

FREE for Kids, Teens, Students and Recent Grads under BMO Discounted Banking Programs 29

Benefits

  • Cheque image return 18
  • Assisted service bill payments
  • Send money globally to over 200 countries and territories with Western Union® Money Transfers™ via Interac e-Transfer® through BMO Online Banking
  • No-fee travellers cheques (traditional style single signature)
  • Offers point of sale debit transactions on the Maestro® network globally 25
  • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

AIR MILES® Plan

Earn AIR MILES® Reward Miles with unlimited everyday banking transactions.

Unlimited transactions across all BMO® channels 20

Earn 1 AIR MILES® Reward Mile for every $30 you spend on your BMO Debit Card 21

Benefits

  • Cheque image return18
  • Assisted service bill payments
  • Earn 100 Bonus AIR MILES Reward Miles with a direct deposit set-up within the first 90 days 27
  • Earn 20 Bonus AIR MILES Reward Miles with a Pre-Authorized Payment set-up within the first 90 days 28
  • Earn 25 Bonus AIR MILES Reward Miles each month when you also have a BMO AIR MILES World MasterCard®

Travel Features

  • Unlimited point of sale debit transactions on the Maestro® network globally 25
  • No-fee travellers cheques (traditional style single signature)
  • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

Practical Plan

Our lowest monthly Bank Plan fee.

12 everyday banking transactions per month across all BMO® channels 20

FREE for Seniors30 under the BMO Discounted Banking Program and for beneficiaries of a Registered Disability Savings Plan 31

Benefits

  • Assisted service bill payments
  • Send money globally to over 200 countries and territories with Western Union® Money Transfers™ via Interac e-Transfer® through BMO Online Banking
  • No-fee travellers cheques (traditional style single signature)
  • Offers point of sale debit transactions on the Maestro® network globally 25
  • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

Pay-As-You-Go Plan

You can choose to pay on a "per transaction" basis for the accounts you select. This option may be suitable if you complete fewer than four transactions per month.


Benefits

  • You only pay for the transactions and services you use.

Services With Your Bank Account

24/7 Banking 24/7 Banking

Pay bills, transfer funds, view transactions online - all from your desktop, tablet or smartphone.

Managing Money Managing Money

Setup direct deposits or Pre-Authorized Payments, order cheques, and transfer money easily.

Account Services Account Services

Budgeting tools and account alerts to keep you informed.

Travel Services Travel Services

Important services for travellers including insurance, foreign currency and travellers cheques.