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  BMO Harris Premier Gold Account
BMO Harris Premier Gold Account
in Checking Accounts from BMO Harris Bank · Member FDIC
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BMO Harris Premier Gold Account

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in Checking Accounts from BMO Harris Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
(Verified 08/05/2022)
Monthly Fee Up to $0
Minimum Balance to Avoid Monthly Fee N/A

BMO Harris Premier Gold Account Review

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

Key Takeaways

  • Up to $500 bonus offer. Get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • No ATM fees. BMO Harris Premier Gold Account does not charge fees on ATM transactions.

BMO Harris Premier Gold Account Pros & Cons

Pros Cons
  • Generous signup bonus.
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • Does not offer mobile check deposits.
  • Higher than average wire transfer fees.

BMO Harris Premier Gold 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 Premier Gold Account offer?

BMO Harris Premier Gold Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

BMO Harris Premier Gold Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for BMO Harris Premier Gold Account?

BMO Harris Premier Gold Account requires a minimum initial deposit of $25 to open an account.

BMO Harris Premier Gold Account Minimums
Description
Minimum Opening Deposit $25

What fees does BMO Harris Premier Gold Account charge?

This account charges a monthly service fee of up to $0.

BMO Harris Premier Gold Account Fees
Description
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Overdraft Item Fee $36
Check Stop Payment (Individual) $35
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $25

Does BMO Harris Premier Gold Account charge overdraft fees?

Yes, BMO Harris Premier Gold Account charges a $36 fee for every overdraft.

What features and perks does BMO Harris Premier Gold Account offer?

This account includes the following features:

  • Up to $500 bonus offer. Get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for BMO Harris Premier Gold Account?

The customer support email for BMO Harris Premier Gold Account is servicemembers@bmo.com.

View BMO Harris Premier Gold Account's published terms & conditions.
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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.

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 $25
Monthly Fee Up to $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Overdraft Item Fee $36
Check Stop Payment (Individual) $35
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $25
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Account Features
  • No ATM Fees
  • Nationwide ATM Network
  • Debit Card
  • Automatic Transfers
Bonus Offer Up to $500 bonus offer. Get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
Signup Bonus $500
Signup Deposit Requirement $7,500
APY (Annual Percentage Yield) 0.01%
(Verified 08/05/2022)

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