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BMO Bank Review 2024BMO does have other checking accounts with more perks, but Smart Advantage is the most popular � and the only one with no monthly fee. You can. BMO Bank's Savings Builder requires a $25 deposit to open. There is no monthly service fee. Interest rates for this account are low. Get a $5 reward for each. BMO (formerly BMO Harris) is a U.S. subsidiary of Canada's Bank of Montreal with headquarters in Chicago. The bank has good checking options.
