Just want the basics?
Earn a * bonus when you open a Plus Plan Chequing Account online!
Get a promotional interest rate with our Savings Amplifier Account
You’ll get a interest rate** guaranteed for up to 120 days† when you add it to a new Performance or Premium Chequing Account.
Unlimited no-fee transfersMake no-fee transfers to your other BMO accounts any time, including mobile and online transfer, and ATM.*99
Earn money when you save Benefit from a competitive interest rate every time you save money.*12
No monthly fee or minimum depositSave money when you bank with no monthly fee and no minimum balance required.

Get exclusive savings when you fuel up at Shell
AIR MILES collectors can enjoy savings of up to 7¢ per litre when fuelling up at a Shell station with a BMO debit card. Plus, save even more with a CAA® footnote star membership!
*Terms and conditions apply.
More reasons to bank with BMO
Bank account FAQs
If you meet the eligibility criteria, the chequing and family bundle cash bonus will be credited to your account by December 30, 2025, and the savings cash bonus will be credited by February 27, 2026.
Yes, this offer is available both in branch and online.
Yes! As long as neither of you have an existing chequing account with BMO or have closed an account between June 6, 2024 – September 30, 2025.
Yes, if you’re part of the following programs: Senior, BMO NewStartTM, Registered Disability Savings Plan, Indigenous Banking, Bank at Work – Group Banking and PwC Bank at Work. All other discounted plans are excluded from this offer.
No, unfortunately if you already have a chequing account with us you are not eligible for this promotion. Please refer to the Terms and Conditions for more details.
If you closed your account between June 6, 2024 – September 30, 2025, you aren’t eligible for this promotion.
No, you’ll only earn a bonus on the first account that you open, assuming you meet the eligibility criteria.
Bill payments need to be done through online or mobile banking in order to be eligible for the bonus.
Bill payments must be of minimum $50 each in order to qualify for the offer.
No, each bill payment is required to be paid to a different biller account number. For example, if you are paying a cell phone bill it has to be paid to different accounts numbers to be counted as 2 different bill payments.
Bill payments to BMO Credit Cards through Online/Mobile Banking will be considered as an eligible payment as per campaign criteria. Transfers to BMO Credit Cards through Online/Mobile Banking will not qualify as a bill payment.
No, you can only get a Family Bundle, and the cash bonus, with either a Performance or Premium Plan.
No, the maximum bonus for adding a family member is even if you add more than one family member.
Pre-Authorized Payments must be of minimum $50 each in order to qualify for the offer.
No, the pre-authorized payments are required to be made to different billers to qualify for the cash bonus.
Get up to $1,400 in benefits which includes a $700 cash bonus when you open a new chequing and Savings Amplifier Account plus the following savings: save on annual account fees when you maintain a minimum balance, get identity protection for free, and a 4.75% bonus interest rate with a new Savings Amplifier Account. Please refer to the Terms and Conditions for more information.
Yes, the $700 cash bonus is a part of the total $1,400 value. Please refer to Terms and Conditions.
The $1,400 total value is calculated based on opening a Performance or Premium Chequing Account and a Savings Amplifier Account. Please refer to Terms and Conditions. However, you can qualify for the $700 cash bonus when you open only a new Performance or Premium Chequing Account.
When opening a new Performance or Premium Chequing Account, add a Savings Amplifier Account to earn the promotional interest rate on the new savings account. Please refer to Terms and Conditions.
Yes, you need to open both a new Performance or Premium Chequing Account and a Savings Amplifier Account to earn the bonus promo rate on the savings account. Please refer to Terms and Conditions.
Yes, to qualify for the savings offer you also need to qualify for all the requirements of the chequing offer as well. Please refer to Terms and Conditions.
†We guarantee up to a 4.75% promotional interest rate on balances deposited to a Savings Amplifier Account for up to 120 days from the account opening start date. This is an estimated value of $156.16 in total interest. If the Savings Amplifier Account is not funded, no interest will be earned. Promotional interest will be earned on the total balance within the Savings Amplifier Account. To qualify for the Promotional Rate, you must 1. Open a new Primary Chequing Account with the AIR MILES Plan, Performance Plan, Premium Plan, Practical Plan, or Plus Plan 2. Open a new Savings Amplifier Account 3. Make a deposit(s) into the Savings Amplifier Account. Interest is calculated on the daily account closing balance, up to a balance limit of $1,000,000, and paid monthly on the last business day of the month. For additional details please refer to Terms and Conditions.®†OnGuard is a registered trademark of Sigma Loyalty Group Inc.®†Identity Guard is a registered trademark of Intersections Inc.
®§ INTERAC e-Transfer is a registered trademark of Interac Inc. Used under license.