An easy solution for frequent travellers to the U.S.

U.S. Dollar Primary Chequing Account

A day-to-day account that allows you to manage your transactions in U.S. dollars for easy currency exchanges - including payments in U.S. dollars.

With this account

Free Banking

When you maintain a minimum monthly balance with qualifying Bank Plan4.

Overdraft Services

We have simple protection options to cover unexpected shortfalls in your account with our Overdraft Services.

Cheque Services

Write cheques and view cheque images online for easy record keeping and balance details.

Your Personal Banking

Whether you want a daily chequing account or a high-interest savings account, we have a convenient option (for one low monthly fee).

Did you know we offer discounts for special groups? If you qualify, choose one of the following (if not, move to the next step):

You're almost there. Pick your plan.

Discounted Plans
Other Plans

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
  • View cheques online

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
  • View cheques online
  • 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 low cost/no cost option.

Compare low cost bank accounts.

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
  • View cheques online
  • 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.

Summary

Accounts
Discount
  • Kids
  • Kids
  • Kids
  • None
  • None
  • None
  • Teens
  • Teens
  • Teens
  • None
  • None
  • None
  • Students and recent post-secondary school graduates29
  • Students and recent post-secondary school graduates29
  • Students and recent post-secondary school graduates29
  • None
  • None
  • None
  • Seniors
  • Seniors
  • Seniors
  • Seniors
  • Seniors
  • None
  • None
  • Newcomers to Canada – free banking for first 12 months32
  • None
  • None
  • None
  • None
  • RDSP beneficiaries
  • RDSP beneficiaries
  • RDSP beneficiaries
  • RDSP beneficiaries
  • RDSP beneficiaries
  • None
  • None
  • None
  • None
  • None
  • None
  • None
Plan
  • Premium
  • Performance
  • Plus
  • AIR MILES®
  • Practical
  • Pay-As-You-Go

Total

$30.00/mo Open now $14.95/mo Open now $10.95/mo Open now $14.95/mo Open now $4.00/mo Open now Fees Vary Open now $19.05/mo Open now $4.00/mo Open now $0.00/mo Open now $14.95/mo Open now $4.00/mo Open now Fees Vary Open now $19.05/mo Open now $4.00/mo Open now $0.00/mo Open now $14.95/mo Open now $4.00/mo Open now Fees Vary Open now $19.05/mo Open now $4.00/mo Open now $0.00/mo Open now $14.95/mo Open now $4.00/mo Open now Fees Vary Open now $26.00/mo Open now $10.95/mo Open now $6.95/mo Open now $10.95/mo Open now $0.00/mo Open now Fees Vary Open now $30.00/mo Open now $0.00/mo Open now $10.95/mo Open now $14.95/mo Open now $4.00/mo Open now Fees Vary Open now $26.00/mo Open now $10.95/mo Open now $6.95/mo Open now $10.95/mo Open now $0.00/mo Open now Fees Vary Open now

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.