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https://www.bmoharris.com/main/personal/checking-accounts/smart-advantage/?COID=BMOP-06772Q-89QT8P3
Submission: On October 17 via api from US — Scanned from DE
Submission: On October 17 via api from US — Scanned from DE
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3 forms found in the DOM/main/personal/search
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/main/personal/search
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Text Content
Skip navigation Personal * Personal * Wealth * Business * Commercial * Capital Markets * Global Asset Management * Search Go * Locations * EN Select Region / Language * US * English * Canada * English * Français * China * 中文 * LocationsFind * Contact Us * Sign-in * Personal Personal * Online Banking * BMO Digital Banking * Credit Card * Diners Club * Mortgage Application * Advisory / Brokerage * Account View (LPL) * Express Loan Pay -------------------------------------------------------------------------------- * Business Business * BMO Digital Banking * Credit Card * Diners Club * Business Online Payroll * iQ from Worldpay * BMO Harris Rewards -------------------------------------------------------------------------------- * Wealth Wealth * BMO Wealth Connection * BMO Digital Banking * Advisory / Brokerage (Pershing) * Account View (LPL) * Investment Online * BMO Family Office Online Services * Credit Card * Total Look * BMO Harris Rewards -------------------------------------------------------------------------------- * Commercial Commercial * Online Banking for Business * Auto Dealer Access System * Equipment Finance * Transportation Finance MyAccounts * Transportation Finance Business Pro 2.0 -------------------------------------------------------------------------------- * Mobile Banking GO * Personal * Checking Accounts Checking Accounts Checking Accounts * BMO Harris Smart AdvantageTM Account * BMO Harris Smart MoneyTM Account * BMO Harris PremierTM Account Tools and features * BMO Digital Banking * Switching to BMO Harris * Overdraft Services * Order checks Interest rates * Premier account rates Open an account * Apply online * Call 1-888-340-2265 * Visit a branch * Savings accounts, Money Markets & CDs Savings accounts, Money Markets & CDs Savings accounts, Money Markets & CDs * Savings Builder * Money Market * Certificates of Deposit * Health Savings Account (HSA) * HSA For Employers Rates * Savings Builder Rate * Money Market Rates * Certificate of Deposit Rates Ways to Apply * Open now * Call 1-888-340-2265 * Find a Branch * Retirement Accounts (IRAs) & Investments Retirement Accounts (IRAs) & Investments Retirement Accounts (IRAs) & Investments * IRA Certificates of Deposit (CDs) * IRA Premium Savers Investment Advice * Wealth Planning * Investment Management * Retirement Planning * Insurance & Risk Management * BMO Smart Portfolio Retirement Accounts Contact * Locate a branch * Call us at 1-888-340-2265 * Investment Advice Contact * Let us contact you * Call us at 1-888-360-6394 * Credit Cards Credit Cards Credit Cards * BMO Harris Bank Platinum Rewards Mastercard® * BMO Harris Bank Premium Rewards Mastercard® * BMO Harris Bank Cash Back Mastercard® * BMO Harris Bank Platinum Mastercard® Learn more * BMO Harris Rewards * Use My Card creditcard-icon-48x48 New card? Let’s get started. Activate your Platinum, Platinum Rewards and Cash Back card: 1-855-825-9237 Activate your Premium Rewards or Premier Services Premium Rewards card: 1-855-825-9238 * Mortgages Mortgages Mortgages * Fixed Rate Mortgage * Adjustable Rate Mortgage * Low Down Payment Mortgages * Jumbo Mortgages * Cross-Border Mortgage Program * Rates * Special offers * Bank Owned Properties Calculators * Fixed Rate Mortgage Payments * Adjustable Rate Mortgage (ARM) Payments * Extra Payments * My Budget * Down Payment calculators * Rent or Own * Closing Costs * Compare Loans * Refinancing Savings * Refinancing Costs Ready to explore? * Apply now * Request a pre-qualification * Call us 1-888-482-3781 * Mon - Thu 8 a.m. - 7 p.m. (CT) Fri 8 a.m. - 6 p.m. (CT) Sat 8 a.m. - 1 p.m. (CT) * Loans and Lines of Credit Loans and Lines of Credit Loans and Lines of Credit * Home Equity Line of Credit * Home Equity Loans * Personal Line of Credit * Personal Loans Loans and Lines of Credit * Auto Loans * Savings Secured Loans * Credit Builder Loan Program * Private Student Loans * Refinancing Student Loans Tools * Calculators * Home Equity rates * Make an Auto Payment Ready to explore? * Apply online for Home Equity * Branch locator * Call 1-888-340-2265 * Premier Services * Ways to Bank Ways to Bank Ways to Bank Banking with BMO Harris * BMO Harris Digital Banking * BMO Harris Bank by PhoneSM * BMO Harris Bank at Work * BMO Harris Security Center Other Banking Services * Overdraft Services * Payment and Deposit Services * Cross-Border Banking for Canadians * Branches and ATMs * Switch Kit Ready to explore? * Branch locator * Call 1-866-329-0417 * Find financial wellness * Wealth * Business * Checking Checking Checking * BMO Simple Business Checking * BMO Digital Business Checking * BMO Elite Business Checking * BMO Premium Business Checking Checking * Business Checking Analyzed * Non-Profit Small Business Checking Checking * Switch to BMO * Debit Card READY TO EXPLORE? * Call 1-888-340-2265 * Let Us Contact You * Find a Branch * Credit Cards Credit Cards Credit Cards * BMO Harris Platinum Rewards Credit Card * BMO Harris Platinum Credit Card Credit Cards * Card Monitor * Manage Your Credit Card READY TO EXPLORE? * Call 1-888-340-2265 * Let Us Contact You * Find a Branch * Lending Lending Lending * Government Loans * Business Leasing Lending * Practice Financing for Dentists * Transportation Finance * Business Loan Calculator READY TO EXPLORE? * Call 1-888-340-2265 * Let Us Contact You * Find a Branch * Savings * Business Services Business Services Business Services * Payroll Processing * Accept Card Payments Business Services * Cash Management * Remote Deposit Business Services * Bank at Work * Health Savings Account READY TO EXPLORE? * Call 1-888-340-2265 * Let Us Contact You * Find a Branch * Business Insights * Specialty Programs Specialty Programs Specialty Program * Women in Business * BMO for Black and Latinx Businesses * BMO for Native-Owned Businesses READY TO EXPLORE? * Call 1-888-340-2265 * Let Us Contact You * Find a Branch * Special Offers * Commercial * Capital Markets Select Region / Language * US * English * Canada * English * Français * China * 中文 Contact Us * Phone * Locations Toggle navigation menu Navigation skipped * Personal * Checking Accounts * Smart Advantage BMO HARRIS SMART ADVANTAGE™ ACCOUNT Make your money go further with our most popular checking account, with no monthly maintenance fee. Plus, get the flexibility to bank from anywhere with our digital tools and enjoy personalized service in-branch - whenever you need it. open an accountOpen an account in 5 minutes! $0Monthly maintenance fee UnlimitedTransactions at 40,000+ fee-free ATMs nationwide GET THE PERKS YOU NEED TO MAKE REAL FINANCIAL PROGRESS * Created with Sketch. Access to 40,000+ fee-free ATMs across the U.S., nearly as many as the three largest banks combined * Created with Sketch. Banking at your fingertips with BMO Digital Banking – pay billsfootnote 1 , transfer money and more * Personalized support through online chat, phone and in branch LET’S TAKE A CLOSER LOOK AT FEES AND HOW TO AVOID THEM You’ll pay no monthly maintenance fee and there’s no minimum monthly balancefootnote 2. But there are some less-common fees we want you to know about. Monthly maintenance fee $0 BMO Harris and Allpoint® ATM transactionsfootnote 3 $0 Non-BMO Harris ATM transactionsfootnote 4 $3 Paper statements $2 (you can go paperless for free statements) Check images $3 (you can opt out and go paperless for free) Overdraft fee $15 each (or get overdraft services to avoid fees) Minimum opening deposit $25 GET A FULL BREAKDOWN OF FEES AND THE ACCOUNT TERMS AND AGREEMENTS. Product Disclosure (PDF, 402 KB)Deposit Account Agreement (PDF, 439 KB) open an account INTERESTED IN EXPLORING OTHER CHECKING ACCOUNTS? We’ve got one that meets your unique needs. Compare all accounts BMO HARRIS SMART ADVANTAGE™ ACCOUNT FAQS * WHAT DO I NEED TO OPEN A NEW CHECKING ACCOUNT? Opening a new account online is quick and easy. All you need is: * Your phone number, email address and U.S. residential address * Your date of birth and Social Security Number (SSN) * U.S. citizenship (if you aren’t a U.S. citizen, don’t worry – you can apply by phone or in person at a BMO Harris branch) * A routing and account number so that you can start adding money to your checking account * HOW LONG DOES IT TAKE TO OPEN AN ACCOUNT ONLINE? You can open an account online in less than five minutes! You can register for online banking right away, and your debit card will arrive in the mail within a few business days. * HOW CAN I ENJOY FEE-FREE BANKING? Avoiding fees is easy – there’s no monthly maintenance fee for our Smart Advantage account as long as you opt for paperless statements. open a smart advantage account WE MAKE DIGITAL BANKING SIMPLE AND SAFE Bank safely from anywhere with our simple online and mobile banking tools.footnote 5 * Transfer money on the go with Zellefootnote 6 Send, request and receive money from friends and family quickly and easily with Zelle – all with no user fees from us. * Bank from anywhere with mobile check depositfootnote 7 Skip the trip to the bank and deposit checks directly from your smartphone with mobile deposits. * Leave your debit card at home with Mobile Cashfootnote 8 Get cash from the ATM using just your smartphone with BMO Harris Mobile Cash – no need to bring your wallet. * Manage all your accounts securelyfootnote 9 Simplify your banking with BMOB M O Total Look. Manage all your accounts in one place (even if they’re not with us), create budgets and track expenses. CHOOSE THE RIGHT DEBIT CARD FOR YOU Select the debit card you want when you start your online application. BMO HARRIS BANK DEBIT MASTERCARD® Access money in your checking, savings or money market accounts. Learn more BMO HARRIS BULLS, BLACKHAWKS & BUCKS DEBIT MASTERCARD® Show your pride with a Bulls, Blackhawks or Bucks card and get exclusive team perks! Learn more READY TO GET STARTED? Open an account online in minutes or get in touch if you have any questions. CALL US Give us a call if you have any questions or you’re ready to open an account. 1-888-340-2265 APPLY ONLINE Open an account online in 5 minutes or less! open an account VISIT US Come in to one of our branches to open your account in person. Book an appointment * LEGAL * Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. * Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. * Card design and availability is subject to change without notice. The Chicago Bulls identifications are the exclusive property of NBA Properties, Inc. and the Chicago Bulls. © 2021 NBA Properties, Inc. All rights reserved. The Chicago Blackhawks is a trademark of the Chicago Blackhawk Hockey Team, Inc. The Milwaukee Bucks identifications are the exclusive property of NBA Properties, Inc. and the Milwaukee Bucks. © 2021 NBA Properties, Inc. All rights reserved. * footnote 1 details Available to BMO Harris Bill Pay®registered customers only. Add bill payment to your online banking account by signing on to BMO Digital Banking and clicking the Payments tab, then the Enroll button. * footnote 2 details Accounts with zero balance may be closed. * footnote 3 details Foreign Transaction Fees will apply at Allpoint®registered ATMs located outside of the United States. * footnote 4 details The ATM Operator or network may also charge you a fee for a transaction or balance inquiry. * footnote 5 details Message and data rates may apply. Contact your wireless carrier for details. * footnote 6 details Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. For details see the BMO Digital Banking Agreement found at bmoharris.com/legal. * footnote 7 details 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 Harris 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 bmoharris.com/legal. * footnote 9 details Visit bmoharris.com/security for details. × BUNDLE IT WITH A SAVINGS ACCOUNT AND KICKSTART YOUR SAVINGS! Open a Savings Builder account with your new checking account and enjoy the benefit of earning $5 every month you save $200 or more, for the first year.* With a minimum opening deposit of $25, the Savings Builder account gives you: * No monthly maintenance fee! * Unlimited Withdrawals * An Annual percentage yield (APY) of 0.01% These rates are effective as of October 17, 2022. *Conditions apply. See the Savings Builder product disclosure. Would you like to bundle a Savings Builder account with your Checking Account? Yes, add a Savings Builder accountNo, open a checking account only Continue CONTACT US * * * * * * * Phone * Find a branch -------------------------------------------------------------------------------- * Privacy * Legal * Security * Sitemap * Careers * About our ads * Accessibility * Cookie usage * About us -------------------------------------------------------------------------------- Banking products and services are subject to bank and credit approval. BMO Harris Bank N.A. Member FDIC. NMLS 401052 NMLS 401052 NOTICE TO CUSTOMERS To help the government fight the funding of terrorism and money laundering activities, federal law (USA Patriot Act (Title III of Pub. L. 107 56 signed into law October 26, 2001)) requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide a copy of your driver's license or other identifying documents. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. If the requested information is not provided within 30 calendar days, the account will be subject to closure. Third party web sites may have privacy and security policies different from BMO. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO web sites. This information is not intended to be tax or legal advice. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. BMO Harris Bank N.A. and its affiliates do not provide legal or tax advice to clients. You should review your particular circumstances with your independent legal and tax advisors. ANALYTICS ERRORS ×