Navigation skipped

BMO Smart Advantage Checking

Make your money go further with our most popular checking account, with no monthly maintenance fee. Plus, get the flexibility to bank from anywhere with our digital tools and enjoy personalized service in-branch - whenever you need it.

Open an online account in 5 minutes!

  • $0

    Monthly maintenance fee

  • Unlimited

    Transactions at 40,000+ fee-free ATMs nationwide

Get the perks you need to make real financial progress

Access to 40,000+ fee-free ATMs across the U.S., nearly as many as the three largest banks combined

Banking at your fingertips with BMO Digital Banking – pay bills, transfer money and more

Personalized support through online chat, phone and in branch

Let’s take a closer look at fees and how to avoid them

You’ll pay no monthly maintenance fee and there’s no minimum monthly balance footnote 2. But there are some less-common fees we want you to know about.

Column one shows the feature offered with a smart advantage account, Column two shows the fee associated with that feature



Monthly maintenance fee$0
BMO and Allpoint® ATM transactions in the U.S. footnote 3$0
Non-BMO ATM transactions footnote 4$3
Paper statements footnote 5$3 (fee is waived if any individual associated with your account is 65 years or older; you can also go paperless for free statements)
Check images footnote 5$3 (you can opt out of check images; or go paperless statements for free check images)
Overdraft fee footnote 6$15 each (or get overdraft services to avoid fees)
Minimum opening deposit$25

Get a full breakdown of fees and the account terms and agreements.

Interested in exploring other checking accounts?

We’ve got one that meets your unique needs.

Compare all accounts

BMO Smart Advantage Checking Frequently Asked Questions

  • Opening a new account online is quick and easy. All you need is:

    • Your phone number, email address and U.S. residential address
    • Your date of birth and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
    • U.S. citizenship or status as U.S. Resident Alien
      • If neither applies to you, don't worry - you can still apply for an account by visiting a branch or calling us at 1-888-340-2265
    • Information to help you deposit money from your other bank, including one of the following:
      • The other bank's login credentials
      • Their routing and account numbers
  • You can open an account online in less than five minutes! You can register for online banking right away, and your debit card will arrive in the mail within a few business days.

  • Avoiding fees is easy – there’s no monthly maintenance fee for our Smart Advantage account as long as you opt for paperless statements footnote 5.

We make digital banking simple and safe⁷

Bank safely from anywhere with our simple online and mobile banking tools. footnote 1

  • Transfer money on the go with Zelle® footnote 8

    Send, request and receive money from friends and family quickly and easily with Zelle® – all with no user fees from us.

  • Bank from anywhere with mobile check deposit footnote 9

    Skip the trip to the bank and deposit checks directly from your smartphone with mobile deposits.

  • Manage all your accounts securely footnote 7

    Simplify your banking with BMO Total Look. Manage all your accounts in one place (even if they’re not with us), create budgets and track expenses.

Screenshot of the B M O digital app on an iphone

Choose the right debit card for you

Select the debit card you want when you start your online application.

An image of B M O Debit Mastercard

BMO Debit Mastercard®

Access money in your checking, savings or money market accounts.

BMO Bulls, Blackhawks & Bucks Debit Mastercard®

Show your pride with a Bulls, Blackhawks or Bucks card and get exclusive team perks!

Ready to get started?

Open an account online in minutes or get in touch if you have any questions.

  • Call us

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

  • Apply online

    Open an account online in 5 minutes or less!

  • Mastercard 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.

  • Card design and availability is subject to change without notice. The Chicago Bulls identifications are the exclusive property of NBA Properties, Inc. and the Chicago Bulls. © 2023 NBA Properties, Inc. All rights reserved. The Chicago Blackhawks is a trademark of the Chicago Blackhawk Hockey Team, Inc. The Milwaukee Bucks identifications are the exclusive property of NBA Properties, Inc. and the Milwaukee Bucks. © 2023 NBA Properties, Inc. All rights reserved.

  • Footnote 1 detailsMessage and data rates may apply. Contact your wireless carrier for details.

  • Footnote 2 detailsAccounts with zero balance may be closed.

  • Footnote 3 detailsForeign Transaction Fees will apply at  BMO and Allpoint® ATMs located outside of the United States.

  • Footnote 4 detailsThe ATM Operator or network may also charge you a fee for a transaction or balance inquiry. Footnote 5 detailsThe monthly fee for paper statements is automatically waived if you opt to go paperless through your BMO Digital Banking preferences or if any individual associated with your account is 65 years or older. The monthly fee for check images is automatically waived if you opt to go paperless through your BMO Digital Banking preferences.

  • Footnote 6 detailsThere are instances we will not charge an Overdraft Fee; please review the Deposit Account Disclosure for details. Footnote 7 details Visit for details.8Must 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 Deposit is available using the BMO Digital Banking Mobile App. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, please see the BMO Digital Banking Agreement found at