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Senior bank accounts

We’ve got great deals for anyone aged 60 or older

  • No monthly Plan fee*83 with a Practical Plan chequing account that comes with 12 monthly transactions*52
  • Add a savings account at no cost*1,*3
  • Get seniors’ discounts on all our chequing accounts*66,*83
  • Maintain a minimum daily balance and get your monthly Plan fee waived for the Plus, Performance or Premium Plan*4

Limited time offer!

Get up to $1400§ in value with us. This includes up to a $700* cash bonus and 4.75% promo interest rate** when you open a chequing and a Savings Amplifier Account.

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Let's find you the right bank account

Featured chequing account

Practical

$4.00 No cost$ 4.00 reduced to no cost> </ac><span role=*66,*83

Monthly fee

No cost for seniors*66,*83

  • 12 transactions*52 every month
  • No-cost Premium Rate savings account*3
Learn more

$ 11.95 reduced to $7.95> </ac><span role=$11.95 $7.95*66,*83

Monthly fee

or $0

with a minimum balance of $3,000*4

Flexible banking at a low monthly fee

  • 25 transactions*52 every month
  • Unlimited INTERAC e-Transfer® footnote section transactions*39
  • No-cost Premium Rate savings account*3

$17.95 reduced to $13.95 $17.95 $13.95*66,*83

Monthly fee

or $0 

With a minimum balance of $4,000*4

Our most popular way to manage multiple financial goals

  • Get up to $700* when you open a new chequing and Savings Amplifier Account online.
  • New: Up to $40 rebate on the annual fee for B M O Credit Cards*15
  • Unlimited transactions*52
  • No-cost Premium Rate savings account*3
  • OnGuard® footnote dagger Identity Theft Protection*74

$30.95 reduced to $26.95 $30.95 $26.95*66,*83

Monthly fee

or $0 

With a minimum balance of $6,000*4

Truly unlimited banking

  • Get up to $700* when you open a new chequing and Savings Amplifier Account online.
  • Unlimited worldwide non-B M O A T M withdrawals*53
  • Unlimited transactions*52 including unlimited INTERAC e-Transfer® footnote section transactions*39
  • Up to $150 annual rebate for any B M O World Elite® footnote star Mastercard® footnote star*10
  • OnGuard® footnote dagger Identity Theft Protection*74
  • Preferred U.S. exchange rate*35

$17.95reduced to $13.95 $17.95 $13.95*66,*83

Monthly fee

50 Bonus Miles 

with min. $4,000 balance*106

Effortlessly earn miles on everyday purchases

  • Get 1 Mile per $30 spent on debit purchases*9
  • Unlimited transactions*52
  • Unlimited INTERAC e-Transfer® footnote section transactions*39

Mobile

Easy, secure digital banking

Click to download on the Apple StoreClick to download on Google Play

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    • ® Footnote dagger detailsOnGuard is a registered trademark of Sigma Loyalty Group Inc.
    • ®Identity Guard is a registered trademark of Intersections Inc.
    • ® Footnote dagger details/™ Footnote dagger details Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Bank of Montreal.
    • ® Footnote star details Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
    • ® Footnote section details INTERAC e-Transfer is a registered trademark of INTERAC Inc. Used under license.
    • ± Trademark of Visa International Service Association and used under license.