Skip navigation
    Canada
    Canada
    Support
    Branches
    Appointment
      Canada
      Canada

      An easy solution for frequent travellers to the U.S.

      U.S. Dollar Primary Chequing Account

      A day-to-day account that allows you to manage your transactions in U.S. dollars for easy currency exchanges - including payments in U.S. dollars.

      Already a customer?

      to your existing plan

      With this account

      Free Banking

      When you maintain a minimum monthly balance with qualifying Bank Plan *4.

      Overdraft Services

      We have simple protection options to cover unexpected shortfalls in your account with our Overdraft Services.

      Cheque Services

      Write cheques and view cheque images online for easy record keeping and balance details.

      Terms & Conditions View Banking Agreements

      Did you know we offer discounts for special groups? If you qualify, choose one of the following (if not, move to the next step):

      Reset Discount
      Have questions?
      Make an appointment Call 1-877-225-5266 Call 1-877-225-5266

      Premium Plan

      Get unlimited everyday banking transactions plus premium features and benefits.

      Unlimited transactions across all BMO® channels 20

      Unlimited non-BMO ATM withdrawals on the Interac® network22

      Benefits

      • Unlimited Interac e-Transfer® transactions per month
      • No monthly or per item fees for Overdraft Protection with coverage available from $500 to $2,50023
      • Cheque image return18
      • Assisted service bill payments
      • Personalized cheques at no extra charge (cheque style limited)
      • Money orders and drafts (in available currencies), certified cheques and stop payments at no extra charge 24
      • Annual safety deposit box rental discount
      • View cheques online

      Travel Features

      • Unlimited international debit transactions using non-BMO ATMs on the Cirrus® network each month 22
      • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona
      • Preferred exchange rate when buying or selling U.S. cash (up to $5,000 U.S. per transaction)
      • Unlimited point of sale debit transactions on the Maestro® network globally 25
      • U.S. dollar bill payments or transfers to U.S. banks by telephone banking service 26

      Added Protection

      • No additional fee for overdraft protection 11,12
      • Overdraft Transfer Service between personal bank accounts in the Bank Plan 13

      Performance Plan

      Our most popular Bank Plan offers unlimited everyday banking transactions for a competitive price.

      Unlimited transactions across all BMO® channels 20

      1 non-BMO ATM withdrawal on the Interac® network / month 22

      Benefits

      • Cheque image return 18
      • Assisted service bill payments
      • View cheques online

      Travel Features

      • Unlimited point of sale transactions on the Maestro® network globally 25
      • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

      Plus Plan

      Includes about 1 everyday banking transaction per day for a low monthly fee.

      25 transactions per month across all BMO® channels 20

      FREE for Kids, Teens, Students and Recent Grads under BMO Discounted Banking Programs 29

      Benefits

      • Cheque image return 18
      • Assisted service bill payments
      • View cheques online
      • Offers point of sale debit transactions on the Maestro® network globally 25
      • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

      AIR MILES® Plan

      Earn AIR MILES® Reward Miles with unlimited everyday banking transactions.

      Unlimited transactions across all BMO® channels 20

      Earn 1 AIR MILES® Reward Mile for every $30 you spend on your BMO Debit Card 21

      Benefits

      • Cheque image return18
      • Assisted service bill payments
      • Earn 25 Bonus AIR MILES Reward Miles each month when you also have a BMO AIR MILES World MasterCard®

      Travel Features

      • Unlimited point of sale debit transactions on the Maestro® network globally 25
      • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

      Practical Plan

      Our low cost/no cost option.

      Compare low cost bank accounts.

      12 everyday banking transactions per month across all BMO® channels 20

      FREE for Seniors30 under the BMO Discounted Banking Program and for beneficiaries of a Registered Disability Savings Plan 31

      Benefits

      • Assisted service bill payments
      • View cheques online
      • Offers point of sale debit transactions on the Maestro® network globally 25
      • No-fee cash withdrawals using your BMO Debit Card at our network of over 1,350 BMO Harris ATMs in nine U.S. states, including Florida and Arizona

      Pay-As-You-Go Plan

      You can choose to pay on a "per transaction" basis for the accounts you select. This option may be suitable if you complete fewer than four transactions per month.


      Benefits

      • You only pay for the transactions and services you use.

      Summary

      Accounts
      Discount
      • Kids
      • Kids
      • Kids
      • None
      • None
      • None
      • Teens
      • Teens
      • Teens
      • None
      • None
      • None
      • Students and recent post-secondary school graduates29
      • Students and recent post-secondary school graduates29
      • Students and recent post-secondary school graduates29
      • None
      • None
      • None
      • Seniors
      • Seniors
      • Seniors
      • Seniors
      • Seniors
      • None
      • None
      • Newcomers to Canada – free banking for first 12 months32
      • None
      • None
      • None
      • None
      • RDSP beneficiaries
      • RDSP beneficiaries
      • RDSP beneficiaries
      • RDSP beneficiaries
      • RDSP beneficiaries
      • None
      • None
      • None
      • None
      • None
      • None
      • None
      Plan
      • Premium
      • Performance
      • Plus
      • AIR MILES®
      • Practical
      • Pay-As-You-Go

      Total

      $30.00/mo Open now $15.95/mo Open now $10.95/mo Open now $15.95/mo Open now $4.00/mo Open now Fees Vary Open now $19.05/mo Open now $5.00/mo Open now $0.00/mo Open now $15.95/mo Open now $4.00/mo Open now Fees Vary Open now $19.05/mo Open now $5.00/mo Open now $0.00/mo Open now $15.95/mo Open now $4.00/mo Open now Fees Vary Open now $19.05/mo Open now $5.00/mo Open now $0.00/mo Open now $15.95/mo Open now $4.00/mo Open now Fees Vary Open now $26.00/mo Open now $11.95/mo Open now $6.95/mo Open now $11.95/mo Open now $0.00/mo Open now Fees Vary Open now $30.00/mo Open now $0.00/mo Open now $10.95/mo Open now $15.95/mo Open now $4.00/mo Open now Fees Vary Open now $26.00/mo Open now $11.95/mo Open now $6.95/mo Open now $11.95/mo Open now $0.00/mo Open now Fees Vary Open now

      Have questions?

      Book an appointment Call 1-877-225-5266 Call 1-877-225-5266 View Banking Agreements

      Have Questions?

      Book an appointment Call 877-225-5266

      Services With Your Bank Account


      24/7 Banking 24/7 Banking

      Pay bills, transfer funds, view transactions online - all from your desktop, tablet or smartphone.

      Managing Money Managing Money

      Setup direct deposits or Pre-Authorized Payments, order cheques, and transfer money easily.

      Account Services Account Services

      Budgeting tools and account alerts to keep you informed.

      Travel Services Travel Services

      Important services for travellers including insurance and foreign currency.

      Back

      Digital Banking

      BMO Online Banking

      Secure, around-the-clock access to your account to pay bills, transfer money and more. Get started in just a few
      simple steps.

       BMO Mobile Banking

      Our BMO Mobile Banking app lets you manage your money just about anywhere you go, whenever you want. *32

      BMO Branch Banking

      With over 900 branches across Canada, we offer a full range of financial services.

       BMO Telephone Banking

      Access a wide range of financial services and products from anywhere you have access to a telephone
      by calling
       1-800-363-9992. *36

      Back

      Managing Money

      Direct Deposit

      Save yourself a trip to the branch or ATM and get immediate access to your money.
      Bill Payments

      Set up your bills to be automatically paid from your personal bank accounts on their due dates. You’ll never miss a payment.

       Overdraft Services

      We have simple protection options to cover unexpected shortfalls in your account with our Overdraft Services.

      eStatements

      Securely view and store your personal banking, credit card, line of credit, and mutual fund account statements online.
      PlanShare

      For one monthly Plan fee, share up to 20 joint and individual accounts with your partner or spouse.
      Back

      Account Services

      Transfer Money

      Whether you're sending money locally or internationally, our technology provides a quick, convenient and secure option so you can transfer money confidently almost anywhere.

       BMO Alerts

      Keep yourself informed and up-to-date on your personal banking transactions with BMO Alerts, which are sent directly to you by email or text message.16
      BMO MoneyLogic™

      This free online resource helps you track spending, set smart financial goals and is easily accessed through
      BMO Online Banking.

      Ordering Cheques

      For chequing accounts only: Ordering cheques is easy and you can choose from a variety of designs and features to customize your cheques.
      Back

      Travel Services

      Travel Insurance

      Protects you, your family, your vacation plans and your luggage while travelling.

       Prepaid Credit Cards

      Get the convenience of cash, without carrying cash.
      Foreign Currency

      Buy before you go and save on fees and surcharges.