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BMO Harris Bank Smart Money Checking

in Checking Accounts from BMO Harris Bank · fdic

Unaffiliated

BMO Harris Bank Smart Money Checking

Unaffiliated

in Checking Accounts from BMO Harris Bank · Member FDIC

Net Recommendation Score -50

1 user recommends

0 users are unsure

3 users don't recommend

Browse Reviews: 1 Recommendations | 3 Complaints

Highlights
Community Rating	Rating not yet determined
Monthly Fee	$0 - $5
ATM Fee: Out-of-Network	$3
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0%

BMO Harris Bank Smart Money Checking Review

BMO Harris Bank Smart Money Checking is offered by BMO Harris Bank, a bank founded in 1882 and based in Chicago, IL. BMO Harris Bank Smart Money Checking is available in 50 states (and Washington, DC).

Key Takeaways

0% APY. As with most checking accounts, BMO Harris Bank Smart Money Checking does not pay interest.
Charges a monthly fee. This account charges a monthly service fee of up to $5.
No ATM fees. BMO Harris Bank Smart Money Checking does not charge fees on ATM transactions within its network but there is a fee of up to $3 for out-of-network ATM transactions.
Bill pay. Pay your bills to practically anyone in the United States through BMO Harris Bank.

BMO Harris Bank checking account Pros & Cons

Pros	Cons
Available in all 50 states. Free debit card No charge on incoming domestic or international wire transfers.	No signup bonus. Does not earn interest Higher than average wire transfer fees. Monthly service charge. Charges a higher than average fee on out-of-network ATM transactions.

BMO Harris Bank checking account FAQ

Are checking accounts from BMO Harris Bank federally insured?

Yes, your BMO Harris Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does BMO Harris Bank checking account offer?

BMO Harris Bank checking account is not an interest-bearing account.

What are the account minimums for BMO Harris Bank checking account?

BMO Harris Bank checking account requires a minimum initial deposit of $25 to open an account.

BMO Harris Bank Smart Money Checking Minimums
Description
APY Minimum Balance	$0
Minimum Opening Deposit	Starting at $25

What fees does BMO Harris Bank checking account charge?

This account charges a monthly service fee of up to $5.

BMO Harris Bank Smart Money Checking Fees
Description
ATM Fee: In-Network	$0
Check Cashing Fee	$10
Check Image Service	$3
Debit Card Replacement Fee	$5
Early Account Closure	$50
Foreign Transaction Fee (Debit Card)	2.8%
Monthly Fee	$0 - $5
NSF Fee	$0
Online Bill Pay Fee	$0
Overdraft Item Fee	$0
Overdraft Protection Fee (per transfer)	$10
Paper Statement Fee	$2
Returned Deposit Fee (Domestic)	$12
Returned Deposit Fee (International)	$12
Stop Payment Fee	$35
Wire Transfer Fee - Domestic (Incoming)	$0
Wire Transfer Fee - Domestic (Outgoing)	$30
Wire Transfer Fee - International (Incoming)	$0
Wire Transfer Fee - International (Outgoing)	$50
ATM Fee: Out-of-Network	$3

Does BMO Harris Bank checking account charge overdraft fees?

No, BMO Harris Bank checking account does not charge overdraft fees.

BMO Harris Bank checking account offers overdraft protection at a cost of $10 per transaction.

What features and perks does BMO Harris Bank checking account offer?

This account includes the following features:

Fraud monitoring - BMO Harris Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - BMO Harris Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for BMO Harris Bank checking account?

The customer support email for BMO Harris Bank checking account is servicemembers@bmo.com.

How do people rate the customer service and user experience of BMO Harris Bank checking account?

Overall, BMO Harris Bank checking account is mostly not recommended based on community reviews that rate customer service and user experience.

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Message From BMO Harris Bank Smart Money Checking

North America's eighth largest bank by assets, BMO serves more than 12 million customers through three integrated operating groups providing personal and commercial banking, wealth management and investment services. Building on 203 years of experience (and counting), we're globally minded and socially conscious, with a strong brand, distinctive capabilities and a clear, well-defined strategy. We're proud of our bank's highly engaged workforce and award-winning collaborative culture. BMO employees are dedicated to transparency, sound governance and the highest standards of ethical conduct – values that form the foundation of trust and cement the lasting connections we create with our customers, our communities and each other.

BMO Harris Smart Money™ Account BMO Smart Money Account is a low monthly fee checking option with no overdraft or NSF fees.