BMO Harris Smart Money Account
Explore a similar product
Try this top product in Checking Accounts.
Upgrade Rewards Checking
15 reviews
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0% (Verified 07/06/2022)
|
| Monthly Fee | $0 - $5 |
| Minimum Balance to Avoid Monthly Fee | N/A |
BMO Harris Smart Money Account Review
BMO Harris Smart Money Account is offered by BMO Harris Bank, a bank founded in 1882 and based in Chicago, IL. BMO Harris Smart Money Account is available in 50 states (and Washington, DC).
Key Takeaways
- Get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
- 0% APY. As with most checking accounts, BMO Harris Smart Money Account does not pay interest.
- Charges a monthly fee. This account charges a monthly service fee of up to $5.
- No ATM fees. BMO Harris Smart Money Account 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 Smart Money Account Pros & Cons
| Pros | Cons |
|---|---|
|
|
BMO Harris Smart Money Account FAQ
Are checking accounts from BMO Harris Bank federally insured?
Yes, this account is 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 Smart Money Account offer?
BMO Harris Smart Money Account is not an interest-bearing account.
What are the account minimums for BMO Harris Smart Money Account?
BMO Harris Smart Money Account requires a minimum initial deposit of $25 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Earn APY | $0 |
What fees does BMO Harris Smart Money Account charge?
This account charges a monthly service fee of up to $5.
| Description | |
|---|---|
| Monthly Fee | $0 - $5 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $3 |
| Foreign Transaction Fee (Debit Card) | 2.8% |
| NSF Fee | $0 |
| Overdraft Item Fee | $0 |
| Overdraft Protection Fee (per transfer) | $10 |
| 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 |
| Paper Statement Fee | $2 |
| Online Bill Pay Fee | $0 |
| Check Image Service | $3 |
| Check Cashing Fee | $10 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $50 |
Does BMO Harris Smart Money Account charge overdraft fees?
No, BMO Harris Smart Money Account does not charge overdraft fees.BMO Harris Smart Money Account offers overdraft protection at a cost of $10 per transaction.
What features and perks does BMO Harris Smart Money Account offer?
This account includes the following features:
- Get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
- Fraud monitoring - BMO Harris Smart Money 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 Smart Money 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 Smart Money Account?
The customer support email for BMO Harris Smart Money Account is servicemembers@bmo.com.
How do people rate the customer service and user experience of BMO Harris Smart Money Account?
Overall, BMO Harris Smart Money Account is mostly not recommended based on community reviews that rate customer service and user experience.
BMO Harris Smart Money Account Disclosure:
The monthly fee is $0 for consumers under 25 and $5 for those that are over 25. View BMO Harris Smart Money Account's published terms & conditions.
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
Contact
- Headquarters
-
320 S Canal St
Chicago, IL 60606 USA - (888) 340-2265
- Visit Site
- Email Support
Other Services by BMO Harris Bank
View all checking accounts offered by BMO Harris Bank
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
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Earn APY | $0 |
BMO Harris Smart Money Account Community Reviews
Would you recommend BMO Harris Smart Money Account to your friends?
sorted by
Other Checking Accounts
BMO Harris Bank Checking Accounts
Loading...
Browse Checking Accounts
- Blue Federal CU Extreme Checking
- Bridge City Bank e-Connection
- Century Bank-Business Select
- Citizens Bank Student Equip Account
- City Bank Simple Checking
- Community 1st Bank Wisconsin Business Checking
- Emprise Bank High Interest Checking
- Exchange Bank Basic Checking
- F&M Bank Silver Checking
- First Bank First Choice Checking
- First Exchange Bank First Plus Checking
- Spectrum FCU Member Checking Account
