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Make everyday debit purchases, withdrawals, deposits and automicatically pay bills.

TapClick the drop-down menu to view discounted rates for Kids, Teens, Students & Recent Grads, Seniors, New Canadians, Beneficiaries of an RDSP, and Canadian Forces, Veterans & RCMP.

Bank Plans
Features & Benefits
Monthly fee
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Features & Benefits
Monthly fee
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Minimum balance to waive feeYou must keep your account above the minimum balance outlined below to avoid fees.
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More Features & Benefits

More about Premium Rate Savings Account


Travel Features

Added Protection


Introducing shareable banking from BMO.

Save up to $360 a year in fees with BMO PlanShare*. It’s worth the move.

Learn more

Savings accounts

Savings accounts

Earn a higher interest rate for your longer-term savings goals.

High Interest Savings

Everyday Savings


Transfer your Pre-Authorized Payments and set up new Pre-Authorized Payments from your new BMO bank accounts and credit cards all at once with our free service.

New to BMO? Open a chequing account with a Bank Plan today to get started.

Already a customer? Once you are logged into BMO Online Banking, click on the “Payments & Transfers” tab and select “Add a Pre-Authorized Payment” to get started.

With every chequing plan



24/7 Banking

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

Managing Money

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

Account Services

Budgeting tools and account alerts to keep you informed.

Travel Services

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

*For illustration purposes only. The savings of $360 assumes the following: (i) one monthly Premium Plan fee of $30.00 per month ($360.00 per year) is shared between you and your spouse or partner, rather than each person paying a separate monthly Plan fee of $30.00, (ii) no other per-item or over-limit transaction fees apply, and (iii) the account is not eligible for the monthly balance Plan fee waiver during the twelve-month period.

Are you an existing customer?