Bank Accounts
BMO: accounts and charges
8 accounts captured from BMO's own published pages and fee schedules, captured 2026-11-15. Charges are printed exactly as published.
BMO Practical Chequing Account
Type: chequing
| Monthly fee | $4 per month |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 12 |
| Excess transaction fee | $1.25 for each debit transaction over the limit |
| Interac e-Transfer fee | Included at no additional charge, but counts toward the 12 monthly debit transactions |
| NSF fee | $10.00 |
| Overdraft | Optional Overdraft Protection (subject to credit approval): Standard, $5.00 a month (does not apply to Quebec residents), or Occasional, $5.00 per use (not available to Quebec residents); interest charged at BMO's prevailing overdraft interest rate |
| ATM fees | BMO ATM withdrawals: $0; Non-BMO ATM withdrawals: $2 each in Canada, $5 each outside of Canada |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
No minimum-balance waiver published for Practical ($4/month; $0 for seniors 60+ and certain other groups per BMO plans agreement summary). NSF, excess and overdraft figures are from BMO's Agreements, Bank Plans and Fees for Everyday Banking, effective June 2, 2026, as summarised from that agreement; the direct BMO fee-schedule PDF fetch returned 429 in this pass, see gaps.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/chequing-accounts/practical/ | Captured 2026-11-15
BMO Plus Chequing Account
Type: chequing
| Monthly fee | $12.95 per month |
|---|---|
| Fee waiver minimum balance | $3,000 |
| Included transactions | 25 |
| Excess transaction fee | $1.25 for each debit transaction over the limit |
| Interac e-Transfer fee | Included at no additional charge, but counts toward the 25 monthly debit transactions |
| NSF fee | $10.00 |
| Overdraft | Optional Overdraft Protection (subject to credit approval): Standard, $5.00 a month (does not apply to Quebec residents), or Occasional, $5.00 per use (not available to Quebec residents); interest charged at BMO's prevailing overdraft interest rate |
| ATM fees | BMO ATM withdrawals: $0; Non-BMO ATM withdrawals: $2 each in Canada, $5 each outside of Canada |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Monthly plan fee $12.95 OR $0/month with min. $3,000 balance, per BMO chequing comparison tables on BMO product pages. Note: one BMO dev/staging page indexed showed $11.95 for Plus; the live BMO comparison tables consistently showed $12.95, which is recorded. NSF/overdraft from BMO plans agreement effective June 2, 2026, see Practical note.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/chequing-accounts/practical/ | Captured 2026-11-15
BMO Performance Chequing Account
Type: chequing
| Monthly fee | $17.95 per month |
|---|---|
| Fee waiver minimum balance | $4,000 |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Included at no additional charge |
| NSF fee | $10.00 |
| Overdraft | Optional Overdraft Protection (subject to credit approval): Standard, $5.00 a month (does not apply to Quebec residents), or Occasional, $5.00 per use (not available to Quebec residents); interest charged at BMO's prevailing overdraft interest rate |
| ATM fees | BMO ATM withdrawals: $0; Non-BMO ATM withdrawals: 1 Canadian withdrawal included per month, then $2 each in Canada, $5 each outside Canada |
| Published welcome bonus | $700 opening bonus (BMO bank accounts FAQ: 'Performance: Get a $700 opening bonus'); combined BMO offer ends March 1, 2027 |
| Interest rate as published | Not in the published capture |
Monthly plan fee $17.95 OR $0/month with min. $4,000 balance. Unlimited transactions, so no excess fee is published, excess_transaction_fee is null.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/chequing-accounts/performance/ | Captured 2026-11-15
BMO Premium Chequing Account
Type: chequing
| Monthly fee | $30.95 per month |
|---|---|
| Fee waiver minimum balance | $6,000 |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Included at no additional charge |
| NSF fee | $10.00 |
| Overdraft | Optional Overdraft Protection (subject to credit approval): Standard, $5.00 a month (does not apply to Quebec residents), or Occasional, $5.00 per use (not available to Quebec residents); interest charged at BMO's prevailing overdraft interest rate |
| ATM fees | BMO ATM withdrawals: $0; Non-BMO ATM withdrawals: Unlimited worldwide, no BMO fees |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Monthly plan fee $30.95 OR $0/month with min. $6,000 balance. BMO product page mentions a welcome cash bonus but the amount was not in the text captured, so welcome_bonus is null. Unlimited transactions, so no excess fee is published.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/chequing-accounts/premium/ | Captured 2026-11-15
BMO Blue Rewards Bank Plan / Primary Chequing Account with Blue Rewards Plan
Type: chequing
| Monthly fee | $17.95 per month |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Included at no additional charge |
| NSF fee | $10.00 |
| Overdraft | Optional Overdraft Protection (subject to credit approval): Standard, $5.00 a month (does not apply to Quebec residents), or Occasional, $5.00 per use (not available to Quebec residents); interest charged at BMO's prevailing overdraft interest rate |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Blue Rewards plan appears in BMO's current plan line-up (referenced on BMO Savings Amplifier page as an eligible chequing account) at $17.95/month with no balance waiver and unlimited debit transactions, per BMO plans agreement effective June 2, 2026 summary. ATM fees for this plan were not published on the pages reached, so null.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/chequing-accounts/performance/ | Captured 2026-11-15
BMO Savings Amplifier Account
Type: hisa
| Monthly fee | $0 |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited no-fee self-serve transfers to other BMO accounts |
| Excess transaction fee | $5 (Withdrawal $5; Funds transfer (Branch and Virtual Connect associate) $5; Pre-Authorized Debit $5; Funds transfer (Digital and ATM) $0) |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Earn a 5.00% promotional interest rate for 4 months when you also open a Performance, Premium, Blue Rewards, Plus or Practical Chequing Account (BMO product page) |
| Interest rate as published | 0.45% (regular); promotional rate of 5.00% |
Rates and fees table from BMO product page: Monthly fee $0, Withdrawal $5, Interest rate 0.45%. e-Transfer, NSF, overdraft and ATM fees for this savings account were not published on the BMO page captured (a third-party FCAC listing gave different e-Transfer/ATM figures and was not used), so those fields are null.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/savings-accounts/savings-amplifier/?icid=tl-FEAT2953BRND4-AJBMOH375 | Captured 2026-11-15
BMO Savings Builder Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 1 free transfer a month |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | 0.500% when you increase your balance by $200.00 or more per month (up to $250,000.00); 0.050% on $250,000.01 and over |
From BMO Bank Account Interest Rates page and BMO bank accounts FAQ ('Savings Builder: base interest rate of 0.500%... one free transfer a month... up to 2.500% when you increase your monthly balance by at least $200' - the 2.500% figure in the FAQ could not be reconciled with the 0.500% rate on the rates page, so only the rates-page figures are recorded). Monthly fee, excess, e-Transfer, NSF, overdraft and ATM fees were not published on the pages reached, so null.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/interest-rates/?pChannelId=0 | Captured 2026-11-15
BMO Premium Rate Savings Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Account is listed on BMO's interest rates page and FAQ ('Open this account together with a BMO chequing account under the same plan. Earn daily interest on every dollar. Transaction fees vary depending on the plan you choose'), but the rate values and fees rendered blank / were not captured in text fetch, so all fee and rate fields are null - see gaps. A U.S. Dollar Premium Rate Savings variant is also listed by BMO and was not captured as a separate row.
Source: https://www.bmo.com/en-ca/main/personal/bank-accounts/interest-rates/?pChannelId=0 | Captured 2026-11-15