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BMO Relationship Checking

Make the most of your money and get more rewards as your relationship grows with us. Open a Relationship Checking account and make real financial progress.

Enjoy our Relationship Checking benefits

The more you bank, the more you get with BMO Relationship Checking–Relationship Packages footnote 1. The Relationship Silver package provides all the great benefits of the Relationship Checking account and a Relationship Package benefit.

Silver

Rewards for anyone with a Quarterly Combined Balance less than $25,000

  • Standard account benefits

    • We’ll rebate ATM surcharge fees charged by other banks, up to $25 per monthly statement period

    • Unlimited transactions at Non-BMO ATMs footnote 2

    • Enjoy peace of mind with access to Mastercard ID Theft Protection™ on your BMO Debit Mastercard® footnote 3

    • Earn interest on your checking balance

    • Relationship Package benefits: $10 quarterly credit card spend bonus eligibility when Relationship Package benefit criteria are met footnote 4

  • Lending benefits for checking customers

    • Get a 0.125% rate discount with Auto Pay footnote 5 from a BMO Relationship Checking account

    • Get a home equity 0.50% interest rate discount with Auto Pay6 from a BMO checking account

    • Explore additional lending benefits

    Want to see all the benefits of Silver?

    Build your balances to get even more benefits

    Get more benefits the more you save across all your Eligible Deposit Accounts & Eligible Investment Balances. We’ll automatically place you in one of our four Relationship Packages based on your total balances. footnote 1 And when you reach a new level, we’ll adjust your rewards automatically, too.

    $25,000 - $99,999.99

    Quarterly Combined Balance across all your Eligible Deposit Accounts and Eligible Investment Balances

    • Relationship Package benefits

      Enjoy all the standard account benefits, plus:

      • Get a rebate of up to $30 per month on all wire transfer fees (domestic and international) footnote 4
      • You may get higher interest rates for your Relationship Plus Money Market accounts footnote 4
      • $25 quarterly credit card spend bonus eligibility when Relationship Package benefit criteria are met footnote 4
    • Lending benefits for checking customers

      • Get a 0.125% rate discount with Auto Pay footnote 5 from a BMO Relationship Checking account

      • Get a home equity 0.50% interest rate discount with Auto Pay6 from a BMO checking account

      • Explore additional lending benefits

      Want to see all the benefits of Relationship Checking?

      Reward yourself – Open an account online in minutes

      Earn interest on your Relationship Checking account

      Check out your rate!

      Your ZIP code:6 0 6 0 3
      A table showing the interest rate and A P Y as a percentage, based on the account balance.
      Minimum balance to get Annual Percentage Yield (APY)footnote 7Interest rate (%)APY (%)footnote 7
      $0.01 to $4,999.99X.X%X.X%
      $5,000.00 to $9,999.99X.X%X.X%
      $10,000.00 or moreX.X%X.X%
      Your rates are effective as of

      BMO Relationship CheckingFrequently Asked Questions

      • We automatically place your account in the silver, gold, platinum or premier Relationship Package based on your Quarterly Combined Balance across all your Eligible Deposit Accounts and Eligible Investment Balances. The tiers start with silver and move up to premier.

      • You can open a Relationship Checking account with as little as $25.

      • The monthly maintenance fee for the Relationship Checking account is $25. But we’ll waive the fee if you meet any of the following requirements:

        • The minimum daily Ledger Balance in your account is $10,000 or more for the previous calendar month.
        • You have a Monthly Combined Balance of $25,000 for the previous calendar month.
        • You’re a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Banker.
      • To get the benefits of our tiered Relationship Packages, you just need a BMO Relationship Checking account footnote 1. We’ll automatically place you in a package based on your Quarterly Combined Balance across your Eligible Deposit Accounts and Eligible Investment Balances.

      • You’ll have the opportunity to move to a different tier every calendar quarter. Your Relationship Package may change on the first day of each calendar quarter (January 1, April 1, July 1, and October 1) when the Quarterly Combined Balance is recalculated for quarterly placement footnote 1.

      • If you change your account type or close your account, your fee rebates and interest rate increases may be affected. Here’s what you need to know:

        For Relationship Checking account fee rebates:

        • Account type changes: If you change your account type and a fee was assessed while the account was a Relationship Checking account, you’ll still get a rebate.
        • Closed accounts: If you close your account and a fee was assessed while the account was a Relationship Checking account, you will not get a rebate.

        For Relationship Plus Money Market account rate increases:

        If you close your Relationship Checking account or change the account type, the Relationship Package interest rate paid on the Relationship Plus Money Market account(s) will continue through the end of the calendar quarter.

      Terms and Agreements

      Here's everything you need to know about your Relationship Checking account.

      All the details about your Relationship Checking account, including Relationship Package information, account fees and more.

      Understand your right and responsibilities related to you account and learn some important terms to know.

      We make banking easy

      Manage all your banking needs, whenever and wherever you like. Bank from anywhere with our simple online and mobile8 tools or find a no-fee ATM close to you.

      • Over fourty thousandfee-free ATMs across the U.S.

        Unlimited fee-free transactions at over 40,000 BMO and Allpoint®ATMs nationwide.9

      • Transfer money from anywhere, the fast way

        Send, request and receive money from friends and family with Zelle®10 -- all with no user fees from us.

      • Account protection for added peace of mind

        Bank with confidence knowing your deposits are FDIC insured and you’re protected by our Digital Banking Guarantee.11

      Ready to get started?

      Open an account online in less than 5 minutes or get in touch if you have any questions

      • Open an account online

        Apply for an account online in less than 5 minutes. This application is safe and secure.12

      • Call us

        Give us a call if you have any questions or you're ready to open an account.

      • Visit us

        Come in to one of our branches to open your account in person.

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      • Definitions of Capitalized Terms

      • Mastercard and 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.

      • Footnote 1 detailsTo access the benefits in a particular Relationship Package, you must have a BMO Relationship Checking account. See the Deposit Account Disclosure for details.

      • Footnote 2 detailsNo BMO fee; however, the ATM operator or network may charge you a surcharge fee for a transaction or balance inquiry.</