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Bank at work with BMO

Our dynamic group banking program brings together sound financial advice, customized support and great banking products to strengthen your employees’ financial health and peace of mind.

  • Special banking offers and lower fees to boost your employees’ benefits

  • Customized financial wellness program to engage and empower employees

  • Personalized approach to banking with onsite support for a unique end-to-end service

Why you’ll like our program

Best-in-class banking footnote 1

Your employees can enjoy no-fee banking on our most popular chequing plan, plus lower mortgage and lending rates and lower online investing fees.

Employee empowerment

We’ll curate a financial health curriculum for your employees that covers a variety of financial topics, from budgeting and planning to debt management – plus open access to helpful tools and resources.

Convenient support

A financial relationship manager is your direct line to financial support and services, from onsite account sign-ups and seminars to ad hoc expertise whenever your team may need it.

Enjoy special banking rates and offers

With discounts on everyday banking, mortgage rates, lending rates and investment fees, employees can save hundreds of dollars every year.

  • Bank accounts

    Bank better with lower fees

    • No-fee footnote 1banking with the Performance Plan chequing account – a potential savings of $215.40 per year!

  • Mortgages footnote 3

    Get special deals for home buyers

    • Preferred rates on a wide range of mortgage footnote 3 options

  • Lending footnote 5

    Pay less interest for more peace of mind

    • Preferred rates on Personal Loan and Lines of Credit products footnote 5

    • Reach your retirement goals faster while enjoying preferred rates on RRSP Loan and Line of Credit products footnote 5

  • Credit cards footnote 2

    Enjoy great rates with top cards

    • Get offers on BMO eclipse rise Visa footnote star card, BMO eclipse Visa Infinite footnote star footnote star footnote 2acard and BMO Ascend World Elite®* Mastercard®* footnote 2b

  • Guaranteed Investment Certificates footnote 4

    Kickstart your savings

  • Online Investing

    Take charge of your investing

    • Get a $6.95 flat-fee on online equity trades with BMO InvestorLine Self-Directed footnote 6
    • Save 20% off your advisory fees and up to unlimited free trades with BMO InvestorLine adviceDirect footnote 7
    • Save 20% off your advisory fees with BMO SmartFolio footnote 8

Why focus on financial wellness?

86% of Canadians agree that it’s extremely important to have an experienced financial educator providing financial education. footnote 9 When you deliver that service to your employees, you can enjoy:

  • Improved productivity: More engaged employees are happier, and happier employees are more productive.
  • Reduced absenteeism: Financial stress leads to more sick days – reducing that stress can reduce the number of off-work days.
  • Increased retention: Top-notch employee benefits help attract top talent and ongoing financial education helps you keep top performers.

The bottom line: A comprehensive financial health education for your employees can have a measurable impact on your business.

Bank at Work F A Qs

  • The Bank at Work program not only provides excellent banking offers and discounts – we go above and beyond when it comes to tailoring financial education to your employees’ needs.

    Your relationship manager will deliver a wealth of knowledge and guidance, and with a 24/7 contact centre and the best mobile banking app footnote star, BMO makes managing everyday finances easier for your employees.

  • Financial stress can impact your employees’ productivity, which can hurt your company’s performance. Our Bank at Work program is focused on improving the financial confidence and literacy of each employee to relieve that stress, improve performance and raise employee retention rates.

  • We craft our financial education program to suit the needs of your employees, helping to identify the focus areas for financial education. We share knowledge through lunch-and-learn seminars, staff meetings and other events. We’ll also arrange follow-up sessions to ensure you’re progressing toward your goals.

Ready to get started?

Talk to an expert

Reach out and we’ll have a relationship manager contact you.

Footnote 1. detailsSubject to terms and conditions agreed upon between BMO and participating organizations. The savings of $215.40 is based on plan fee of $17.95 per month for 12 consecutive months.

Footnote 2. detailsApplications and the amount you can borrow are subject to meeting BMO’s usual credit criteria.

Footnote 2.a. detailsApplications and the amount you can borrow are subject to meeting BMO’s usual credit criteria. Subject to income requirements. Minimum $60,000 (individual) or $100,000 (household) annual income.

Footnote 2.b. details Applications and the amount you can borrow are subject to meeting BMO’s usual credit criteria. Subject to income requirements. Minimum $80,000 (individual) or $150,000 (household) annual income.

Footnote 3. detailsApplications and the amount you can borrow are subject to meeting BMO’s standard lending criteria. Some conditions may apply. Transfer fees from your existing lender may apply. Rates are subject to change without notice.

Footnote 4. details The bonus interest rate is applied to the posted rate at the time of purchase of a non-redeemable 1- year up to a 5-year BMO Guaranteed Investment Certificate (GIC) and is not applicable to any other term or product, and cannot be combined with any other special rate offer. Posted and bonus interest rates may be changed at any time. The GIC must be purchased at a BMO branch or with an associate at the Customer Contact Centre. Offers may be changed, withdrawn or extended at any notice.

Footnote 5. detailsApplications and the amount you can borrow are subject to meeting BMO’s standard lending criteria. For lines of credit, your interest rate is a variable interest rate and will change without advance notice whenever BMO's Prime Rate changes or otherwise with notice in accordance with the terms of your Personal Line of Credit agreement.

Footnote 6. details BMO InvestorLine Inc. is a wholly owned subsidiary of Bank of Montreal. BMO InvestorLine is a Member of the Canadian Investor Protection Fund and Member of the Canadian Investment Regulatory Organization.

Footnote 7. details adviceDirect is a product of BMO InvestorLine Inc. adviceDirect does not provide portfolio management by a portfolio manager. The client makes their own investment decisions and manages their own investment portfolio. adviceDirect does not offer discretionary, managed accounts. An adviceDirect account is a non-discretionary, fee-based account which offers investment recommendations.

Footnote 8. details “Nesbitt Burns” and “SmartFolio” are registered trademarks of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly owned subsidiary of Bank of Montreal. BMO Nesbitt Burns Inc. is a Member of the Canadian Investor Protection Fund and Member of the Canadian Investment Regulatory Organization.

Footnote 9. details https://mcauleyfinancial.com/wp-content/uploads/2016/06/Financial-Education-in-the-Workplace.pdf

Footnote star details The Forrester Banking Sales Wave™: Canadian Mobile Sites, Q4 2018 report.

Footnote star details Trademark of Visa International Service Association and used under license

®  Footnote star detailsMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.