Growth Money Market Account

Definitions of Capitalized Terms

^{1Footnote 1 details}The Annual Percentage Yield (APY) is accurate as shown. Growth Money Market is a variable rate account. Interest rates and APYs may change daily after the account is open. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid on the entire collected balance. At any time, interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding standard APYs are effective as of the date shown and are subject to change at our discretion at any time:  0.05% for balances less than $5,000, 0.55% for balances between $5,000 and $24,999.99, 0.95% for balances between $25,000 and $99,999.99, 1.97% for balances between $100,000 and $249,999.99, and 2.68% for balances of $250,000 or more. We may offer higher interest rates when you are an Account Owner of both a BMO Relationship Checking account that has qualifying activities and a Growth Money Market account. Explore the Growth Money Market account disclosure for details. The following collected balance tiers and corresponding APYs for Account Owners with a BMO Relationship Checking account that has qualifying activities are effective as of the date shown and are subject to change at our discretion at any time: 0.30% for balances less than $5,000, 0.80% for balances between $5,000 and $24,999.99, 1.20% for balances between $25,000 and $99,999.99, 2.22% for balances between $100,000 and $249,999.99, and 2.94% for balances of $250,000 or more. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmo.com or call 1-800-546-6101.

^{2Footnote 2 details}Explore transaction limitations.

^{3Footnote 3 details}Please visit the FDIC website for current deposit insurance limits.

^{4Footnote 4 details}If your daily Ledger Balance is $5,000 or more for the statement period, we'll waive the $10 monthly maintenance fee.


^{5Footnote 5 details}Foreign Transaction Fees will apply at BMO and Allpoint^® ATMs located outside of the United States.


^{6Footnote 1 details}A Non-BMO ATM Transaction is any transaction conducted at a Non-BMO ATM, including, for example, a withdrawal, transfer, or balance inquiry. We charge this fee for each Non-BMO ATM Transaction, except for a balance inquiry. The ATM owner or operator may also charge you a surcharge fee for a withdrawal, transfer, or balance inquiry.


^{7Footnote 7 details}Visit the BMO Security Center for details.

^{8Footnote 8 details}Message and data rates may apply. Contact your wireless carrier for details. Mobile Deposit is available using the BMO Digital Banking 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, explore the BMO Digital Banking Agreement found at bmo.com/en-us/legal