BMO Smart Advantage Checking
Access 40,000+ fee-free ATMs
4.9
4.9
MoneyAtlas
Rating
No monthly fee or balance requirement³
Open with just $25
BMO Bank N.A. Member FDIC
Pros
$0 maintenance fee: Waived automatically when you opt for e-statements
$400 sign-up bonus: Earn it with $4k in direct deposits within 90 days
40k fee-free ATMs: Free access via Allpoint and BMO machines nationwide
Cons
Paper statement fee: Mailed statements cost $3 per month
Overdraft cost: $15 per paid item, max three daily after a $50 cushion
Out-of-network ATM hit: $3 per withdrawal, no reimbursement