www.bmoharris.com Open in urlscan Pro
96.16.152.174  Public Scan

URL: 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

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 * 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

 * 
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 * Phone
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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.



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