A lower fee plan that is ideal for those with only moderate transaction needs. Additionally, this account provides free banking for kids, teens and students.
See special rates for kids, teens, seniors and more
Get free banking for children under 13 years old.
Get free banking if you're between 13 and 18 years old.
Get free banking and a FREE SPC®†† Card®†† if you are in college, university, or a recent graduate.
Receive Performance Plan free for 12 months if you have moved to Canada within the last 5 years. Visit a BMO branch to add this discount.
Beneficiaries of a Registered Disabilities Savings Plan receive special rates. Visit a BMO branch to add this discount.
Enjoy free banking if you’re 60 or older.
|Minimum balance to waive fee 4|
|30||Transactions per month included 20|
|NEW||Send FREE** Unlimited Interac e-Transfer®§ transactions|
Non-BMO ATM withdrawals
|$2.00 for each Non-BMO ATM withdrawal|
|Unlimited Interac e-Transfer®§ transactions|
Transactions in excess of monthly plan limit
|$1.25 each for transactions in excess of monthly plan limit|
|Includes eStatement; $2 per paper statement, 1 paper or eStatement for kids|
Included with monthly fee
Number of accounts you can add
Premium Rate Savings Account
|Comes with a Premium Rate Savings Account with unlimited transfers to your other BMO accounts|
Recognized for Excellence in Digital Banking for third year in a row
Live Agent & Automated Telephone Banking (Big Five Banks) award winner
BMO Named to the Global 100 Most Sustainable Corporations in the World for Third Straight Year
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Open an account online
Add a Savings Account at no additional cost
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Earn daily interest, access your funds whenever you need them
<span data-spiff-edb-accounts='premium-rate-savings'></span>Interest rate3
Family is everything
We know you keep your family at the centre of everything you do, and we want to help you do just that.
The Plus Plan is a perfect lower cost option for those with only moderate transaction needs. It also makes a great first bank account for kids, teens or students, offering 30 transactions per month and no monthly fee for these groups.
The BMO difference
Learn more about switching to BMO