Existing Customers are not eligible for the Everyday Banking Offer. An “Existing Customer” is anyone who currently has a BMO Canadian or U.S. Dollar Primary Chequing Account, Canadian or U.S. Dollar Interest Chequing Account, Canadian or U.S. Dollar Premium Rate Savings Account, Smart Saver Account, Savings Builder Account, or Savings Amplifier Account (each an “Existing Account”) or anyone who closes their Existing Account between May 21, 2025 to August 6, 2026 and subsequently opens a new Chequing Account or Savings Account.

If a Chequing Account or Savings Account is opened as a joint account, and any one of the accountholders is an Existing Customer or if an Existing Customer closes an Existing Account between May 21, 2025 to August 6, 2026, then none of the accountholders are eligible for the Everyday Banking Offer. 

Employees of Bank of Montreal and those with whom such employees are domiciled are not eligible for the Everyday Banking Offer. 

Limit of one (1) Chequing Account Offer, one (1) My Financial Progress offer, and one (1) Savings Account Offer per customer or account if there is more than one (1) account holder on the Chequing and/or Savings Account. To be clear, no more than $900.00 in total cash can be earned regardless of how many account holders are associated with the Chequing Account or Savings Account. 

For the Chequing Account Offer, and My Financial Progress Offer, the cash bonuses will be paid by October 31, 2026, and deposited to the Chequing Account. You have until January 30, 2027, to notify us if you believe you qualify for a cash offer and have not received a cash bonus, so that we verify for your eligibility.

Your Chequing Account must be open, in an Eligible Plan, and be in good standing at the time the cash bonuses are paid. For example, to be considered in good standing, your Chequing Account must not be in an unauthorized overdraft or in delinquent status. If you change between Eligible Plans before a cash bonus(es) are paid, the cash bonus for the Chequing Account Offer will be determined by the Eligible Plan with the lower cash bonus, and you will no longer be eligible for the Chequing Account Direct Deposit Offer, My Financial Progress Offer, the Savings Account Offer, or the Walmart Delivery Pass Offer from BMO. If you change to a Plan other than the Eligible Plans, you will no longer qualify for the Everyday Banking Offer. 

Your Chequing Account must remain open and in an Eligible Plan until August 6, 2027. If you close your Chequing Account or change to a Plan other than an Eligible Plan before August 6, 2027, you may no longer qualify for any or all offers included in the Everyday Banking Offer. If a cash bonus has been paid, we reserve the right, in our sole discretion, to debit the Chequing Account or the Savings Account the full value of the cash bonus(es) paid to the respective accounts or send you an invoice for any amount outstanding if you no longer qualify. 

We may change, shorten, extend, or withdraw the Everyday Banking Offer at any time without notice. We reserve the right, at our sole discretion, to suspend, disqualify, limit or revoke the Everyday Banking Offer for any customer we suspect of manipulating or abusing the any of the offers included in the Everyday Banking Offer, or its fairness, integrity or operation 

1 Your email will become part of your contact information and will be used in accordance with our Privacy Code which is available online at bmo.com/privacy. We may use your email to provide you with future offers tailored to your banking needs. You can unsubscribe from receiving promotional emails at any time by updating your email preferences at bmo.com/subscription-centre, by visiting your BMO branch, or by clicking the unsubscribe link contained in promotional emails. Trademarks of Walmart Canada are the property of Walmart Apollo, LLC and are used by Bank of Montreal with permission. 

20. Subject to credit approval. Interest will be calculated on the daily overdraft balance at prevailing overdraft interest rates and charged to the account on the last business day of the month. The Overdraft Protection Standard monthly fee does not apply to residents of Quebec. The Overdraft Protection Standard monthly fee is waived if you have selected the Premium Plan. Overdraft Protection fees apply individually to each account with an authorized limit within the Plan. Overdraft per item charge (OPIC) is applied for any business day in which an item is paid and exceeds the overdraft protection limit on your account. The OPIC fee does not apply to residents of Quebec. 

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. 

53. A network and/or convenience fee may apply when you withdraw cash at a BMO ATM or co-branded BMO and Allpoint ATMs in the United States. Non-BMO ATMs in Canada and ATMs outside of Canada may charge a convenience fee. The convenience fee is not a BMO fee and is added to the total amount of your withdrawal. You are responsible for the convenience fee that may be applied to your transaction. Per-item fees will apply when you exceed the number of transactions included in your Plan. 

104. Debit transactions (i.e., transit fares and passes) completed at Canadian transit agencies do not count towards your monthly transaction count.