We’re making changes to some of our Banking Fees and Programs effective May 1, 2025. Learn more
Bank Accounts
- Get limited-time cash bonuses when you open a Performance or Premium Chequing Account online.
- Only one monthly fee for all your household member accounts with the B M O Family Bundle. footnote *86
- Special offers for students, seniors, newcomers to Canada and more.
Banking that's made for you
Most Popular
- Unlimited transactions per monthfootnote *52
- BMO Family Bundle - no-fee daily banking footnote *90 for your family
- Up to $40 rebate on annual fee for eligible credit cardsfootnote *15
- OnGuard® Identity Theft Protection at no costfootnote *74
Most Benefits
New- Unlimited no fee self-serve transfers to your other BMO accounts footnote *99 including mobile and online transfers, and ATM
- No monthly fee or minimum balance
- Benefit from a competitive interest rate and earn money back when you save
- Start using the BMO Savings Goals Feature
Get multiple accounts for one monthly fee with the B M O Family Bundlefootnote *86
Help Me Choose
Let's find the bank account that's right for you. Just answer a few short questions.
Thanks! Here are some options we think you'll like
It's a great fit because it includes:
- Unlimited transactions, including Interac e-Transfer® transactions
- Credit card rebates on annual fees
- Monthly fees waived with a minimum balance
- No-fee daily banking for your loved ones with BMO Family Bundle
Monthly fee
with min. $6,000 balanace
with min. $6,000 balanace
It's a great fit because it includes:
- Unlimited transactions, including Interac e-Transfer® transactions
- Partial credit card rebates on annual fees
- Monthly fees waived with a minimum balance
- No-fee daily banking for your loved ones with BMO Family Bundle
with min. $4,000 balanace
Check out our special rates for students, seniors and more
- StudentsStudents and recent grads can get $0 Monthly Plan Fee.footnote *73
- Canadian Defence CommunityExclusive savings for members of the Canadian Defence Community.
- SeniorsCan get $0 Monthly Plan Fee if you’re 60 or older.footnote *83
- Newcomers to CanadaThe B M O NewStart Program can help make your arrival easier.
- Kids & TeensAnyone 18 or under can get $0 Monthly Plan Fee.footnote *71,footnote *72
- IndigenousWe offer personalized support and special pricing for Indigenous communities.
“Making a good thing better”
“The app has been actively updated and continutes to improve. It does everything I need it to and does it well. If you have a B M O account this app is a must have!”
Robifouche, Oct. 16, 2018
App Store review
Reviews have been edited for spelling and punctuation
I'm using the B M O app and I'm super happy.
“It's just simple. Two clicks and I can do an eTransfer, transfer money between my accounts, I can deposit a cheque… I think B M O's done a great job giving clients what they want.”
“Fast, easy cheque deposits”
“I absolutely love the new app; it's beautiful, intuitive, and extremely fast. With the addition of photo deposit, this deserves 6 stars”
Element Eight,May 12, 2018
App Store review
Reviews have been edited for spelling and punctuation
“Secure banking on the go”
“Love the fingerprint open option.. It's fast and more secure than a pin!”
Intuitveminds, Sep 29, 2018
App Store review
Reviews have been edited for spelling and punctuation
“Bill payment made simple”
“Love the new app and mobile check deposit feature!! Bill payment are nice and simple!”
B Assen,May 23 2018
App Store review
Reviews have been edited for spelling and punctuation
Overall leader in digital banking
Our Online Banking mobile app was recognized as the overall leader in "The Forrester Digital Experience Review™: Canadian Mobile Banking Apps, Q4 2022".
Check out these useful articles
A chequing account is a type of bank account for daily transactions – it keeps your money at your fingertips, ready to withdraw whenever you need it.
Find out how you can make the most of both
A savings account is a great place to store your money for the future and earn interest on your balance. Learn more about benefits, types of accounts and more.
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- ®* The Western Union name, logo and related Trademarks and Service Marks are owned by Western Union Holdings Inc., and are used with permission.
- ®§ Interac e-Transfer is a registered trademark of Interac Inc. Used under license.
- ®†/™† Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. and Bank of Montreal.
- ®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
- ®§ Interac e-Transfer is a registered trademark of Interac Inc. Used under license.
- ± Trademark of Visa International Service Association and used under license..
