Explore our chequing accounts
Save more every month! All chequing accounts are eligible for a $4/month discount, helping you save $48 annually.*109
Most Popular
No monthly plan fee for a year*93- Unlimited transactions per month*52
- Unlimited Interac e-Transfer®‡ transactions per month*39
- BMO Family Bundle*86 - no-fee daily banking*90 for your family
- Up to $40 rebate on annual fee for eligible credit cards*15
- OnGuard® footnote dagger Identity Theft Protection*74 at no cost
Most benefits
For the rewards collector
- Unlimited transactions*52 including Interac e-Transferregistered sign section sign transactions*39
- 2x the Blue Points for every $2.00 spent in eligible gas, grocery, wholesale club and EV charging purchases*9
1 Point for every $2.00 in purchases everywhere else*9
- Get 500 Bonus Points each month you maintain a daily balance of $4,000 or more in your chequing account*106
Get 500 Bonus Points each month when you also have a BMO Blue Rewards World Elite®* Mastercard®**109
- OnGuard® Identity Theft Protection at no cost*74
Still not sure? Let us help you decide
Answer a few quick questions and we’ll recommend the best chequing account for you.
Helping you make real financial progress
3,300 + no fee ATMs
Bank at BMO ATMs for no fee and visit us for personalized support at a branch.
Award-winning digital banking
Explore features like BMO Credit Coach, BMO Savings Goals, and BMO QuickPay.
Interactive financial tools like BMO SmartProgress™
Learn more about everyday banking, saving, investing, budgeting, home buying, and more on our interactive learning platform.
Mobile
Easy, secure digital banking
Award-winning mobile banking
Recognized for Excellence in Digital Banking for a third year in a row.
Honoured for digital money management features and account alerts.
Awarded for BMO CashTrack, an artificial intelligence (AI) driven capability.
Resources
What is a chequing account? Learn how the account works
We examine the ubiquitous chequing account – its versatility, benefits, types and more – and why it’s so popular.
How to find the best chequing account for your lifestyle
Why settle for a generic chequing account when you can find one that fits your lifestyle?
What’s the difference between a chequing and savings account?
Compare chequing vs. savings accounts and learn how you can use them both to your advantage.
Ready to get started?
Come in and talk to us
Drop by your nearest branch to chat about your financial future.
Open an account online
Apply for an account online in as little as 7 minutes.
Let’s get in touch
Get in touch with a Virtual Banker for personalized support.
® Footnote dagge details OnGuard is a registered trademark of Sigma Loyalty Group Inc.
® Identity Guard is a registered trademark of Intersections Inc.
®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
®‡ Interac e-Transfer is a registered trademark of Interac Corp. Used under license.
± Trademark of Visa International Service Association and used under license.
Credit Coach is a service provided to you by TransUnion. Using this service does not impact your credit score. This service is being made available to you as a customer of BMO (“Bank of Montreal”) at no additional charge.
Credit Coach is a trademark of TransUnion LLC.