*9. Get: (i) one (1) Blue Point (“Point”) for every $2.00 in purchases, up to a maximum of 2,500 Points ($5,000 net eligible purchases) per calendar month; and (ii) one (1) Bonus Point (“Bonus Point”) for every $2.00 in purchases at merchants classified by Mastercard’s “Merchant Category Code” (MCC) as “grocery stores and supermarkets” (MCC 5411) and “Wholesale Clubs” (MCC 5300), “Gas” (MCC 5541 and 5542), and “EV Charging Stations” (MCC 5552) for a total of two (2) Points (including the base earn rate). Bonus Points will be earned on eligible grocery store, wholesale club, gas, and EV charging purchases up to a maximum combined spend of all five (5) MCC categories of $1,000 in net purchases per calendar month. Points are calculated on the total eligible cumulative purchases (less refunds) made with your BMO Debit Card that occur on your Lead Account over a calendar month. The “Lead Account” is defined as a Canadian dollar Primary Chequing Account or Interest Chequing Account (for existing customers) and is the one you designate to pay any fees required by the Blue Rewards Bank Plan, for example, your monthly Plan fees and transaction fees. Any debit card purchases on any additional accounts under the Blue Rewards Bank Plan, are not eligible for Points. BMO cannot guarantee that any merchant operating in whole or in part as a grocery store, wholesale club, gas station or EV charging station is classified by MCC 5411, MCC 5300, MCC 5541, MCC 5542, or MCC 5552 and in no event will BMO be liable or responsible for any claims with respect to a purchase made at a merchant that is not classified by MCC 5411, MCC 5300, MCC 5541, MCC 5542, or MCC 5552. Points will be credited to your Blue Rewards Member Number within 90 days after the end of the applicable statement period. The number of Points awarded will be rounded down to the nearest whole number. Fractions of Points will not be awarded. 

^*39. Interac e-Transfer transactions are subject to maximum send and receive dollar amounts. For Bank Plans that do not include unlimited transactions, excess transaction fees may apply if you perform an Interac  e-Transfer transaction over and above the number of transactions allowed for the Plan. A cancellation fee may still apply when you cancel the transaction. 

^*52. Includes everyday banking transactions at a BMO branch, BMO ATM, BMO Telephone Banking, BMO Online Banking, BMO Mobile Banking, debit card purchases, cheques drawn on your account and Pre-Authorized Debits. 

^*74. Terms and conditions can be found at www.bmo.com/onguard/SLGconditions. Plan, transaction, service and product fees may still apply. You’re eligible for OnGuard if you are a BMO customer who has a lead account* with one of the following Bank Plans: Performance Plan, Premium Plan, Blue Rewards Plan, Platinum Plan or Employee Plan. In addition, to qualify for OnGuard, you must be a Canadian resident who has reached the age of majority for your province or territory, and you must be registered for BMO Online Banking and/or Mobile Banking and you must have a valid email address on your BMO profile and your lead account must be in good standing. Customers with an eligible Bank Plan with the Kids or Teens discounted banking program do not qualify for OnGuard. All accountholders of a lead account with an eligible Bank Plan qualify for OnGuard provided they meet the above eligibility requirements. If you switch your lead account to an ineligible Bank Plan, then you will no longer qualify for the OnGuard service. OnGuard retail value is $155.88 annually (charged at $12.99 per month). OnGuard is provided by Sigma Loyalty Group. Plan, transaction, service and product fees may still apply. *The lead account is the one you designate to pay any fees required by your Bank Plan, for example, your monthly Plan fees and transaction fees. 

^*90. No-fee daily banking with our Family Bundle offers an unlimited number of transactions. Transactions include everyday banking transactions at a BMO branch, BMO ATM, BMO Telephone Banking, BMO Online Banking, BMO Mobile Banking, debit card purchases, cheques drawn on your account and Pre-Authorized Payments. Other service and product fees may still apply. 

*106. Bonus Points are awarded when you maintain the minimum daily balance at all times throughout the calendar month in a Primary Chequing Account or Interest Chequing Account (for existing customers) that has been designated as the Lead Account (defined) for the Blue Rewards Bank Plan. The “Lead Account” is defined as a Canadian dollar Primary Chequing Account or Interest Chequing Account (for existing customers) and is the one you designate to pay any fees required by the Blue Rewards Bank Plan, for example, your monthly Plan fees and transaction fees. 

*107. If you are the Lead Account holder with the Blue Rewards Bank Plan, your family members that reside at the same household as you can open accounts under your Bank Plan (a “Member Account”) with no additional monthly Plan fee. Member Accounts are any additional accounts that are opened under the Bank Plan, held either by you, or held by your family members or jointly with your family members. Member Accounts do not qualify to earn Blue Points or Bonus Points. For full terms and conditions please visit bmo.com/familybundle.