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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| 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).
- 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.
| Pros | Cons |
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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 | |
|---|---|
| APY Minimum Balance | $0 |
| Minimum Opening Deposit | Starting at $25 |
What fees does BMO Harris Smart Money™ Account charge?
This account charges a monthly service fee of up to $5.
| 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 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:
- 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.
Message From BMO Harris Smart Money™ Account
Contact
- Headquarters
-
111 West Monroe Street
Chicago, IL 60603 - Visit Site
- Email Support
Other Services by BMO Harris Bank
Availability
- 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
BMO Harris Smart Money™ Account Community Reviews
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