BMO Elite Business Checking Account

^{Footnote 1 details1} All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. 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. 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. Fees or withdrawals will reduce earnings.

^{Footnote 2 details2} Each additional transaction is $.40. Transactions means non-ATM deposits, checks deposited, checks paid, and ACH credits and debits.

^{Footnote 3 details3} Foreign Transaction Fees will apply at Allpoint^® ATMs located outside of the United States.

^{Footnote 4 details4} Message and data rates may apply. Contact your wireless carrier for details.

^{Footnote 5 details5} Mobile 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 bmo.com/uslegal

^{Footnote 6 details6} To send or receive money with a small business, both parties must be enrolled with Zelle^® directly through their financial institution’s online or mobile banking experience

^{Footnote 7 details7} To access the benefits in a particular Relationship Package, you must have a BMO Elite Business Checking Account. Each BMO Elite Business Checking Account is placed in its own Relationship Package based on the Quarterly Combined Business Balance. Benefits begin when the BMO Elite Business Checking Account is placed in a Relationship Package and continue through the calendar quarter, regardless of any change in Account balances.

A BMO Elite Business Checking Account is placed in a Relationship Package on the first calendar day of the month after the Account opening (or the account type change) occurs. Your Relationship Package may change on the first day of each subsequent calendar quarter (January 1, April 1, July 1, and October 1) when the Quarterly Combined Business Balance is recalculated for quarterly placement (“Quarterly Placement”). You will receive a welcome communication with the first Relationship Package placement and a quarterly communication with each subsequent Quarterly Placement.

^{Footnote 8 details8} 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 in excess of two per statement period. We do not charge a fee for a balance inquiry. The ATM owner or operator may also charge you a surcharge fee for a withdrawal, transfer, or balance inquiry.

^{Footnote 9 details9} BMO Elite Business Checking Account paper statement fee will be waived for the calendar quarter following Quarterly Placement. If you change your Account type during the calendar quarter, the fee will only be waived when the Account is a BMO Elite Business Checking Account.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.