Everyone uses bank accounts in different ways. You might be opening your first bank account, saving for something special, making payments on a regular basis or investing for the future.

We offer the following personal accounts: Primary Chequing, Premium Rate Savings and Smart Saver Account. Each one comes with several helpful features. And we’re the only bank that offers multiple accounts under one Banking Plan¹. BMO also offers a TFSA Savings Account that allows you to earn a competitive rate of interest tax-free.

• Maintain any of your accounts in U.S. dollars^{2 3}.
• Receive one monthly statement for all your accounts.
• Optional cheque image return with your statement (free with some Banking Plans).
• Set up a Continuous Savings Plan.
• Use PowerSwitch^® to transfer your banking from another bank to BMO Bank of Montreal for FREE!³
• Start turning your banking into AIR MILES^®† reward miles. Find out how fast your reward miles can add up.

Premium Rate Savings

Primary Chequing

Smart Saver Account

Select All / Deselect All

Get Started
Find out how to setup and switch your banking or open an account online.

¹Up to 20 Primary Chequing, Interest Chequing (for existing customers only) or Premium Rate Savings accounts are eligible to be opened under the Banking Plan of your choice for one monthly fee, subject to the Banking Plan’s monthly transaction limits. The Smart Saver Account is not eligible to be under a Banking Plan.
²USD deposits are not eligible for CDIC deposit insurance.
³The Smart Saver Account is not eligible.

• Available in a Banking Plan
• Multi-channel banking
• Able to write cheques
• Monthly interest on balance
• Available in U.S. dollars
eligible for a monthly
plan fee waiver
Offers in-branch, ABM and online transactions

• Primary Chequing
• 

• Premium Rate Savings
• 

• Smart Saver Account
• 
The Smart Saver Account is currently only available to
existing BMO customers
through Online Banking.