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Plus Plan

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.


Monthly fee

$ 3,000

Minimum balance to waive feeLink will open in new window4


Transactions per month includedLink will open in new window20
Send FREE** Unlimited
Interac®* e-transfer transactions



Everyday banking

  • Non-BMO ATM withdrawals

    • $2.00 for each Non-BMO ATM withdrawal
  • Interac e-Transfers®§

    • Unlimited Interac®* e-Transfer transactions
  • Transactions in excess of monthly plan limit

    • $1.25 each for transactions in excess of monthly plan limit
  • Statements

    • Includes eStatement; $2 per paper statement, 1 paper or eStatement for kids

Additional benefits

Additional accounts

  • Number of accounts you can add

    • Add up to 20 additional accounts
    • Use additional accounts to help you manage your money
    • Or, share them with your partner/spouse as either joint accounts or separate/confidential, all for one monthly fee with PlanShare
    • See how>
  • Premium Rate Savings Account

Not the right one for you? Take a look at our other Chequing Plans


Recognized for Excellence in Digital Banking for third year in a row

- Celent

Live Agent & Automated Telephone Banking (Big Five Banks) award winner

- Ipsos Best Banking Awards

BMO Named to the Global 100 Most Sustainable Corporations in the World for Third Straight Year

- World Economic Forum



Ready to bank with us?

Did you know? You can now use your mobile device to open an account in a few moments!

Open an account online

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





Open multiple bank accounts for you and your spouse/partner for one monthly feeLink will open in new window1 with PlanShare





You can open a new BMO chequing account on your smartphone from wherever you are. As long as we’re able to verify your ID with the info you provide, there’s no need to visit a branch!





Switch over all of your automatic bill payments in one quick step





Enjoy tailored banking advice that fits your unique life needs









Not sure which bank account is right for you?




See all bank accounts







*You may be asked to visit a branch to verify your identity. Link will open in new windowView full Terms and Conditions.


** The $1.00 service fee that may have applied when you use Interac e-Transfer has been eliminated for customers with an Everyday Bank Plan. The monthly Plan fee may still apply. Other transaction fees may apply if you have a Bank Plan that does not include unlimited everyday banking transactions. A cancellation fee may still apply when you cancel the transaction.