SuperMoney
  BMO Harris Bank Smart Money Checking

BMO Harris Bank Smart Money Checking

in Checking Accounts from BMO Harris Bank · Member fdic

Unaffiliated

BMO Harris Bank Smart Money Checking

Unaffiliated

in Checking Accounts from BMO Harris Bank · Member FDIC

Net Recommendation Score -50

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
3 users don't recommend
Cast your vote

Would you recommend BMO Harris Bank Smart Money Checking to your friends?

Thanks for your vote!

You voted: May or may not recommend

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, but there are ways to waive the fee.
  • 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 checking account Account Minimums
Description Amount
Minimum Opening Deposit $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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From BMO Harris Bank

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $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
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 (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $3
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • FDIC Member

BMO Harris Bank Smart Money Checking Community Reviews

 

Would you recommend BMO Harris Bank Smart Money Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Checking Accounts