This account has no overdraft fees because transactions that would overdraw your account are declined.

$2 paper statement fee or $0 if over the age of 65.

The Smart Money Checking account charges a $5 monthly maintenance fee for account holders ages 25 or older.

$15 overdraft fee or $0 with a Smart Money Checking account or Overdraft Protection Line of Credit.

$3 fee to receive paper statements, or $0 if over the age of 65.

However, other fees you might pay with this account include:

The Smart Advantage Checking account has no monthly maintenance fees.

Free BMO and Allpoint ATM transactions in the U.S.

$25 minimum opening deposit requirements.

Account Features and FeesĪll BMO personal checking accounts come with: Qualifying direct deposits include salary, paycheck, pension, Social Security or government benefits payments. Keep in mind you can only qualify for one checking account bonus, and whichever checking account you open first will be the only eligible account. All bonuses are subject to being reported to the IRS for tax purposes. Your bonus will be deposited into your checking account 100 days after account opening if you’ve met all requirements. Your account must be in good standing to receive the bonus.

Earn a $400 bonus when you open a new Relationship Checking account and receive at least $7,500 in qualifying direct deposits within 90 days of account opening.

Earn a $250 bonus when you open a Smart Advantage or Smart Money checking account using the promo code and receive at least $4,000 in qualifying direct deposits within the first 90 days.

Begin an account application online and scroll to the bottom to find your promo code, which you’ll need at account opening. If you apply for a checking account by phone or at a branch, you’ll need to grab a promo code from BMO’s bonus landing page first.

When opening an account online from the bonus landing page, a unique promo code will automatically be applied to your application. Personal checking accounts require a $25 minimum opening deposit. All three bonuses have similar requirements, and accounts must be opened by May 3, 2024.

Slotastic no deposit bonus codes 2024