BMO Relationship Checking

Definitions of Capitalized Terms

 ^{Footnote 1 details 1}Except for Bank of Montreal branded Participating ATMs and Allpoint^® Participating ATMs, the ATM owner or operator may charge you a surcharge fee for a withdrawal, transfer, or balance inquiry. Foreign Transaction Fees will apply to all ATMs outside the United States (i.e. Non-BMO ATMs, Bank of Montreal branded Participating ATMs and Allpoint® Participating ATMs).

 ^{Footnote 2 details 2}Message and data rates may apply. Contact your wireless carrier for details.

 ^{Footnote 3 details 3}Visit the BMO Security Center for details.

 ^{Footnote 4 details 4}To access the benefits in a particular Relationship Package, you must have a BMO Relationship Checking account. See the Deposit Account Disclosure for details.

 ^{Footnote 5 details 5}Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.

 ^{Footnote 6 details 6}See the Full Benefits Table for details.

 ^{Footnote 7 details 7}Auto Pay means periodic scheduled payments automatically deducted from your BMO personal checking account, as applicable, to pay the loan. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including any late fees and any other charges. To receive a 0.125% rate discount, you must authorize BMO at origination to withdraw your loan payment each month from your BMO consumer checking account. Housing Finance Agency, FHA, VA, and State Bond Program loans are not eligible for the interest rate discount but will receive a $500 closing cost discount if eligible.

 ^{Footnote 8 details 8}Auto Pay means periodic scheduled payments automatically deducted from your BMO personal checking account, as applicable, to pay the loan. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including any late fees and any other charges. To receive a 0.25% rate discount, you must authorize BMO at origination to withdraw your Home Equity Line of Credit or Home Equity Loan payment each month from a BMO personal checking account using Auto Pay. The discount can only be applied to a new Home Equity Loan or a new Home Equity Line of Credit.

 ^{Footnote 9 details 9}Relationship Plus Money Market is no longer for sale as of May 4, 2025. The terms below will still apply for customers who have a BMO Relationship Checking Account and already have an existing Relationship Plus Money Market Account. We may offer higher variable interest rates based on a Relationship Package. For current interest rates, ask your BMO Banker for a current Interest Rate Sheet or call 1-888-340-2265Call us at 1 8 8 8 7 7 9 2 2 6 5​. Interest rates earned on the Relationship Plus Money Market are based on Relationship Package placement. If the Account Owners’ BMO Relationship Checking Accounts are placed in different Relationship Packages, the best Relationship Package will determine the interest rates earned on the Relationship Plus Money Market Account. Initially, the Relationship Plus Money Market Account earns standard interest rates. The Relationship Plus Money Market Account earns Relationship Package interest rates beginning on the first Business Day of the month after the Account opening (or the Account type change) occurs through the end of the calendar quarter. At each Quarterly Placement, the Relationship Plus Money Market Account earns Relationship Package interest rates beginning on the first Business Day of the calendar quarter through the end of the calendar quarter.

 ^{Footnote 10 details 10}All Interest Rates and Annual Percentage Yields (APY) are accurate as of ERROR API VALUE NOT FOUND. For variable rate accounts interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid on the entire collected balance. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. Fees or withdrawals will reduce earnings. These rates apply to our Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois.

 ^{Footnote 11 details 11}Must have a bank account in the U.S. to use Zelle^®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. For details, see the BMO Digital Banking Agreement found at bmo.com/en-us/legal.

 ^{Footnote 12 details 12}Certain conditions and limitations apply. The Digital Banking Guarantee apply to personal accounts only. Please see the BMO Digital Banking Agreement found at bmo.com/en-us/legal for details.

Mastercard, Mastercard ID Theft Protection^® and the circles design are registered trademarks of Mastercard International Incorporated.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.