Deposit Account Disclosures – Online Account

BMO Harris Everyday Checking®
Deposit Account Disclosure and Bank Fee Schedule
This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts
(“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should read them. Capitalized terms
not defined in this disclosure are defined in the Glossary of the Agreement.
Account opening and usage
Minimum deposit
needed to open Account
$100
Monthly
maintenance fee
and waivers
$12
We charge this fee on the last day of the statement period if you do not meet any one of the waiver
requirements listed below during the statement period:
• This Account has Incoming External Deposits totaling $500 or more.
• The minimum daily Ledger Balance in this Account is $1,000 or more.
• A college student is an Account Owner, requests a student fee waiver and presents current student
identification. This fee waiver will apply for four years from the date of the request. One college student
fee waiver per customer.
• Your BMO Harris Select Checking® account meets its $10,000 minimum Combined Balance requirement
and you have requested we link this Account to your BMO Harris Select Checking account to receive
benefits under Relationship Waiver. Monthly maintenance fee waiver is limited to one BMO Harris
Everyday Checking account.
• Your BMO Harris Portfolio Checking® account meets its $25,000 minimum Combined Balance requirement
and you have requested we link this Account to your BMO Harris Portfolio Checking account to receive
benefits under Relationship Waiver. Monthly maintenance fee waiver is limited to a total of two BMO
Harris Everyday Checking accounts.
• Your Wealth Checking account meets its $25,000 minimum Average Daily Balance requirement and
you have requested we link this Account to your Wealth Checking account to receive benefits under
Relationship Waiver. Monthly maintenance fee waiver is limited to a total of two BMO Harris Everyday
Checking accounts.
Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link
your Accounts. We do not automatically link your Accounts. Additional information on Relationship Waiver can
be found in Section 7.L of the Agreement.
Pays interest
No
BMO Harris ATMs
Free
For deposits, withdrawals, transfers or balance inquiries.
Non-BMO Harris
ATM Transactions
$2.50
We charge this fee for each Non-BMO Harris ATM Transaction. This fee will be waived for Accounts with
a college student monthly maintenance fee waiver.
The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.
Stop payment fee
$35
Per request or renewal.
Account closing fee
$50
If closed within 90 days of Account opening.
BMO Harris Everyday Checking • PAGE 1 of 4 • (5/16)
Account opening and usage (continued)
Statements
We will send you statements monthly. If you link this Account to receive benefits under Relationship Waiver, the statement
period date will change to be the same statement period as the BMO Harris Select Checking, BMO Harris Portfolio Checking
or Wealth Checking account to which this Account is linked.
We will send you Check Images with your statement if you request them. We will charge you a $3 fee each statement
period your Account is enrolled in this service even if there are no Check Images for your Account for a particular statement
period. This fee will appear as “IMAGE STMT SURCHARGE” on your statement. The fee will be waived if you select to only
receive online statements through BMO Harris Online Banking® and not paper statements. To receive the waiver, you must
1) be enrolled in BMO Harris Online Banking and 2) change your “Statement Preferences” in BMO Harris Online Banking to
“Electronic Only” for this Account.
Check orders
• One free welcome package of checks.
• The price for other check orders varies by check style.
Processing policies and dispute resolution
Posting order
(the order in which Items
are credited or debited)
We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):
1. Deposits and other credits received prior to the cutoff times.
2. ATM withdrawals and non-returnable debits.
3. POS transactions using your Card.
4. ACH transactions.
5. Checks.
6. Bank-generated transactions, including fees, interest and surcharge rebates.
For more details and to read an example, see Section 2.C of the Agreement.
Funds availability
summary
Immediate availability
Cash deposited into this Account.
Same day availability
Wire transfers and Direct Deposits into this Account.
Next day availability
Checks deposited into this Account.
This represents our general policy but longer delays may apply. For specific details, including when Items are considered
received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. Read the BMO Harris Mobile
Banking End User Terms for information on funds availability for Mobile Deposits.
Dispute resolution
This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.
BMO Harris Everyday Checking • PAGE 2 of 4 • (5/16)
Insufficient Funds and Overdrafts
Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for
payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are
posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when
Items post to your Account.
At our discretion, we may pay or return the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this
Account number. We will decline ATM and everyday debit Card transactions that may overdraw this Account unless you select the Overdraft Program for ATM
and Everyday Debit Card Transactions described below. The following are fees that may be charged if you do not have sufficient available funds in your Account.
Overdraft Fee
$35 per Item
(Maximum four per
Business Day)
You will be charged an Overdraft Fee for each Item we pay (regardless of the amount of the
Item) when your Account is overdrawn more than $5 after all Items are posted to the Account.
An Overdraft Fee is not charged if your Account is overdrawn by $5 or less after all the Items
are posted to the Account. This fee does not apply to ATM and everyday debit Card transactions
unless you have authorized us to pay these types of transactions. We do not charge an
Overdraft Fee for bank fees and service charges that overdraw your Account.
Consecutive Day
Overdraft Fee
$5 per Business Day
(Maximum 10 for each
occasion your Account
remains overdrawn)
You will be charged a Consecutive Day Overdraft Fee for each Business Day your Account is
overdrawn in any amount after your Account is overdrawn for three consecutive Business Days.
You will be charged this fee even if your Account is only overdrawn due to bank fees and
service charges.
Item Returned Fee (NSF)
$35 per Item
(Maximum four per
Business Day)
You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid because
your Account does not have sufficient available funds to pay the Item. This fee does not apply
to declined ATM and everyday debit Card transactions.
Optional Overdraft Protection Services
These are optional services that may be less expensive than overdraft and item returned fees.
Overdraft Funding
Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers
are subject to funds availability and transaction limits. You must speak with your BMO Harris Banker to enroll in this service.
For details and fee information, visit bmoharris.com/overdraft.
Overdraft Protection
Line of Credit
In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must
apply and qualify for the Overdraft Protection Line of Credit, which is subject to bank and credit approval. For details and
fee information, visit bmoharris.com/overdraft.
Overdrafts for ATM and Everyday Debit Card Transactions
You’re able to select how you would like BMO Harris to handle everyday transactions involving your ATM or debit Card — including point-of-sale and ATM transactions
— when you don’t have sufficient available funds in your Account. Regardless of the option you choose for BMO Harris to handle ATM and everyday debit Card
transactions, you may still want to sign up for Overdraft Funding or apply for an Overdraft Protection Line of Credit. Learn more at bmoharris.com/overdraft.
No overdraft coverage
(Default)
$0
If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card
transaction that would overdraw this Account. Because these transactions will be declined,
no Overdraft Fee, Consecutive Day Overdraft Fee or Item Returned Fee (NSF) will apply to
these transactions.
Opt-in (Overdraft Program
for ATM and Everyday
Debit Card Transactions)
$35 Overdraft Fee per
Item; maximum four
per Business Day
By opting into this program, you authorize us to use our discretion to pay ATM and everyday
debit Card transactions that would overdraw this Account.
$5 Consecutive
Day Overdraft Fee
per Business Day;
maximum 10 for each
occasion your Account
remains overdrawn
If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and
Consecutive Day Overdraft Fee, described above, will apply to the transactions.
You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions — or
revoke your election — by speaking with your BMO Harris Banker or by logging in to BMO Harris
Online Banking® and modifying the Overdraft Program preferences on your Account.
BMO Harris Everyday Checking • PAGE 3 of 4 • (5/16)
Bank Fee Schedule
Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account.
Some services are not available at all locations.
Account Benefits
Collection Items (Bond, Note, Sight Draft, Check)
BMO Harris ATM and Debit Card
Free
Coupon Collection
$10.00 per envelope
BMO Harris ATM Transactions
Free
Domestic Collection
$15.00 + cost4
BMO Harris Bank by Phone®
Free
Foreign Collection
$45.00 + cost4
BMO Harris Bill Pay®
Free (excludes expedited
payments)
Statement and Account Servicing
BMO Harris Mobile Banking®
Free1
BMO Harris Online Banking®
Free
BMO Harris Total Look®
Combined Statement
Customer Coin Counting
Free
Debit or ATM Card Point-of-Sale (POS)
Transactions
Free
Wire Transfer – Incoming
Free
Account Activity Printout
$5.00
Account Balancing / Research
$40.00 per hour,
$15.00 minimum
Free
Duplicate Statement
$5.00
Free
Photocopies of Canceled Checks
First three Checks are free;
$5.00 for each additional
Miscellaneous
Payments and Transfers
BMO Harris Bill Pay® – Expedited Payment
Up to $15.00
Overdraft Funding Transfer Fee2
$10.00 per transfer;
maximum one transfer
fee per Business Day
Deposited Item Returned5
$12.00
Special Letter
(Immigration, Verification of Deposit, etc.)
$10.00
Verification of Deposit Form from Third Party
$5.00
Legal Document Processing
Citations, Garnishments, Levies and Other
Court Orders
Up to $100.00
Up to $50.00
Wire Transfer – Outgoing Domestic
$25.00
Retrieval Fee for Legal Documents in Storage
Wire Transfer – Outgoing International
$45.00
Non-Customer Check Cashing
BMO Harris ATM Mini-Statement Purchase
$1.00
Cashing a Check of $50 or more Drawn
on BMO Harris
Debit or ATM Card Expedited Delivery
$30.00
Debit or ATM Card Replacement
$5.00
Foreign Transaction Fee3
3% of the transaction
amount
ATM and Debit Card
Message and data rates may apply. Contact your wireless carrier for details.
1
Only applicable to checking and money market checking accounts.
2
This fee will apply to any transaction initiated in a foreign country whether
initiated by the Cardholder while traveling or by a foreign merchant for a
purchase a Cardholder makes remotely from the United States, whether or
not a currency conversion is required.
3
Checks, Money Orders and Gift Cards
Cost may include additional correspondent bank fees, collecting bank fees,
communication fees, messenger fees and any other costs incurred.
4
BMO Harris Gift Card
$4.00
Cashier’s Check
$10.00
Deluxe® Check Orders
Varies by account type
and style
Money Order ($1,000 maximum)
$5.00
Temporary Checks (only sold in sets of three)
$3.00 per set
Travelers Cheques
2% of total
© 2016 BMO Harris Bank N.A. Member FDIC (5/16)
$10.00 per Check
Includes Items deposited by any method, including with a BMO Harris Teller
or Customer Service Representative, by mail, depository or BMO Harris ATM.
5
bmoharris.com
BMO Harris Everyday Checking • PAGE 4 of 4 • (5/16)
BMO Harris Select Checking®
Deposit Account Disclosure and Bank Fee Schedule
This Deposit Account Disclosure and Bank Fee Schedule, the separate Interest Rate Sheet and the Deposit Account Agreement for
Personal and Business Accounts (“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should
read them. Capitalized terms not defined in this disclosure are defined in the Glossary of the Agreement.
Account opening and usage
Minimum deposit
needed to open Account
$100
Monthly
maintenance fee
and waivers
$15
We charge this fee on the last day of the statement period if you do not meet any one of the waiver
requirements listed below during the statement period:
•The minimum daily Ledger Balance in this Account is $5,000 or more.
•You have requested we link this Account to receive benefits under Relationship Waiver1 and you have
met the $10,000 Combined Balance requirement for this Account.
•You are timely paying a BMO Harris consumer or small business loan or line of credit (both subject to bank
and credit approval) in accordance with the terms of your agreement and you have requested this fee
waiver from us.2
Relationship
Waiver offers
Relationship Waiver1 is a special feature of this Account. In addition to waiving the monthly maintenance fee on this
Account, we will also waive the monthly maintenance fee on the following Accounts if this Account meets the $10,000
Combined Balance requirement and you have requested we link these Accounts to this Account to receive this benefit:
• One BMO Harris Everyday Checking® account AND
• Two accounts in total that can be either Statement Savings and/or BMO Harris Select Money Market® accounts
Pays interest
Yes3
This is a variable rate Account where interest rates and annual percentage yields may change. At our discretion,
we may change the interest rate on this Account daily. The interest rate corresponding to the highest tier into
which your Collected Balance falls will be paid on the entire Collected Balance. Interest will be compounded
daily on the Collected Balance and credited to this Account monthly on the statement period date.
The tiers are as follows: $0.01 – $2,499.99, $2,500 – $9,999.99, $10,000 or more.
For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet, call 1-888-340-2265
or visit bmoharris.com.
BMO Harris ATMs
Free
For deposits, withdrawals, transfers or balance inquiries.
Non-BMO Harris
ATM Transactions
$2.50
We charge this fee for each Non-BMO Harris ATM Transaction in excess of two per statement period.
Stop payment fee
$35
Per request or renewal.
Account closing fee
$50
If closed within 90 days of Account opening.
Statements
We will send you statements with Check Images monthly. Contact us to request Check Images if you are not currently
receiving them.
The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.
BMO Harris Select Checking • PAGE 1 of 4 • (5/16)
Account opening and usage (continued)
Check orders
• One free welcome package of checks OR a 50% discount on printing charges for the first box of certain check styles
ordered through us.
• The price for other check orders varies by check style.
Other fee waivers
Purchase fees are waived for money orders and Travelers Cheques.
Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts.
Additional information on Relationship Waiver can be found in Section 7.L of the Agreement.
1
A BMO Harris small business loan must be made to an Account Owner’s for-profit sole proprietorship or partnership (as stated on the assumed name certificate or
partnership agreement). Mortgage loans, overdraft protection lines of credit and loans to non-profit organizations do not qualify.
2
We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Collected Balance in this Account each day. Interest
begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For cash and electronic
deposits, interest begins to accrue on the Business Day of the deposit. We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.
3
Processing policies and dispute resolution
Posting order
(the order in which Items
are credited or debited)
We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):
1. Deposits and other credits received prior to the cutoff times.
2. ATM withdrawals and non-returnable debits.
3. POS transactions using your Card.
4. ACH transactions.
5. Checks.
6. Bank-generated transactions, including fees, interest and surcharge rebates.
For more details and to read an example, see Section 2.C of the Agreement.
Funds availability
summary
Immediate availability
Cash deposited into this Account.
Same day availability
Wire transfers and Direct Deposits into this Account.
Next day availability
Checks deposited into this Account.
This represents our general policy but longer delays may apply. For specific details, including when Items are considered
received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. Read the BMO Harris Mobile
Banking End User Terms for information on funds availability for Mobile Deposits.
Dispute resolution
This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.
BMO Harris Select Checking • PAGE 2 of 4 • (5/16)
Insufficient Funds and Overdrafts
Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for
payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are
posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when
Items post to your Account.
At our discretion, we may pay or return the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this
Account number. We will decline ATM and everyday debit Card transactions that may overdraw this Account unless you select the Overdraft Program for ATM
and Everyday Debit Card Transactions described below. The following are fees that may be charged if you do not have sufficient available funds in your Account.
Overdraft Fee
$35 per Item
(Maximum four per
Business Day)
You will be charged an Overdraft Fee for each Item we pay (regardless of the amount of the
Item) when your Account is overdrawn more than $5 after all Items are posted to the Account.
An Overdraft Fee is not charged if your Account is overdrawn by $5 or less after all the Items
are posted to the Account. This fee does not apply to ATM and everyday debit Card transactions
unless you have authorized us to pay these types of transactions. We do not charge an
Overdraft Fee for bank fees and service charges that overdraw your Account.
Consecutive Day
Overdraft Fee
$5 per Business Day
(Maximum 10 for each
occasion your Account
remains overdrawn)
You will be charged a Consecutive Day Overdraft Fee for each Business Day your Account is
overdrawn in any amount after your Account is overdrawn for three consecutive Business Days.
You will be charged this fee even if your Account is only overdrawn due to bank fees and
service charges.
Item Returned Fee (NSF)
$35 per Item
(Maximum four per
Business Day)
You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid
because your Account does not have sufficient available funds to pay the Item. This fee does
not apply to declined ATM and everyday debit Card transactions.
Optional Overdraft Protection Services
These are optional services that may be less expensive than overdraft and item returned fees.
Overdraft Funding
Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers
are subject to funds availability and transaction limits. You must speak with your BMO Harris Banker to enroll in this service.
For details and fee information, visit bmoharris.com/overdraft.
Overdraft Protection
Line of Credit
In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must
apply and qualify for the Overdraft Protection Line of Credit, which is subject to bank and credit approval. For details and
fee information, visit bmoharris.com/overdraft.
Overdrafts for ATM and Everyday Debit Card Transactions
You’re able to select how you would like BMO Harris to handle everyday transactions involving your ATM or debit Card — including point-of-sale and ATM transactions
— when you don’t have sufficient available funds in your Account. Regardless of the option you choose for BMO Harris to handle ATM and everyday debit Card
transactions, you may still want to sign up for Overdraft Funding or apply for an Overdraft Protection Line of Credit. Learn more at bmoharris.com/overdraft.
No overdraft coverage
(Default)
$0
If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card
transaction that would overdraw this Account. Because these transactions will be declined,
no Overdraft Fee, Consecutive Day Overdraft Fee or Item Returned Fee (NSF) will apply to
these transactions.
Opt-in (Overdraft Program
for ATM and Everyday
Debit Card Transactions)
$35 Overdraft Fee per
Item; maximum four
per Business Day
By opting into this program, you authorize us to use our discretion to pay ATM and everyday
debit Card transactions that would overdraw this Account.
$5 Consecutive
Day Overdraft Fee
per Business Day;
maximum 10 for each
occasion your Account
remains overdrawn
If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and
Consecutive Day Overdraft Fee, described above, will apply to the transactions.
You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions — or
revoke your election — by speaking with your BMO Harris Banker or by logging in to BMO Harris
Online Banking® and modifying the Overdraft Program preferences on your Account.
BMO Harris Select Checking • PAGE 3 of 4 • (5/16)
Bank Fee Schedule
Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account.
Some services are not available at all locations.
Account Benefits
Collection Items (Bond, Note, Sight Draft, Check)
BMO Harris ATM and Debit Card
Free
Coupon Collection
$10.00 per envelope
BMO Harris ATM Transactions
Free
Domestic Collection
$15.00 + cost7
BMO Harris Bank by Phone®
Free
Foreign Collection
$45.00 + cost7
BMO Harris Bill Pay®
Free (excludes expedited
payments)
Statement and Account Servicing
BMO Harris Mobile Banking®
Free4
BMO Harris Online Banking®
Free
BMO Harris Total Look®
Combined Statement
Customer Coin Counting
Free
Debit or ATM Card Point-of-Sale (POS)
Transactions
Free
Wire Transfer – Incoming
Free
Account Activity Printout
$5.00
Account Balancing / Research
$40.00 per hour,
$15.00 minimum
Free
Duplicate Statement
$5.00
Free
Photocopies of Canceled Checks
First three Checks are free;
$5.00 for each additional
Miscellaneous
Payments and Transfers
BMO Harris Bill Pay® – Expedited Payment
Up to $15.00
Overdraft Funding Transfer Fee5
$10.00 per transfer;
maximum one transfer
fee per Business Day
Deposited Item Returned8
$12.00
Special Letter
(Immigration, Verification of Deposit, etc.)
$10.00
Verification of Deposit Form from Third Party
$5.00
Legal Document Processing
Citations, Garnishments, Levies and Other
Court Orders
Up to $100.00
Up to $50.00
Wire Transfer – Outgoing Domestic
$25.00
Retrieval Fee for Legal Documents in Storage
Wire Transfer – Outgoing International
$45.00
Non-Customer Check Cashing
BMO Harris ATM Mini-Statement Purchase
$1.00
Cashing a Check of $50 or more Drawn
on BMO Harris
Debit or ATM Card Expedited Delivery
$30.00
Debit or ATM Card Replacement
$5.00
Foreign Transaction Fee
3% of the transaction
amount
ATM and Debit Card
6
Message and data rates may apply. Contact your wireless carrier for details.
4
Only applicable to checking and money market checking accounts.
5
This fee will apply to any transaction initiated in a foreign country whether
initiated by the Cardholder while traveling or by a foreign merchant for a
purchase a Cardholder makes remotely from the United States, whether or
not a currency conversion is required.
6
Checks, Money Orders and Gift Cards
Cost may include additional correspondent bank fees, collecting bank fees,
communication fees, messenger fees and any other costs incurred.
7
BMO Harris Gift Card
$4.00
Cashier’s Check
$10.00
Deluxe® Check Orders
Varies by account type
and style
Money Order ($1,000 maximum)
$5.00
Temporary Checks (only sold in sets of three)
$3.00 per set
Travelers Cheques
2% of total
© 2016 BMO Harris Bank N.A. Member FDIC (5/16)
$10.00 per Check
Includes Items deposited by any method, including with a BMO Harris Teller
or Customer Service Representative, by mail, depository or BMO Harris ATM.
8
bmoharris.com
BMO Harris Select Checking • PAGE 4 of 4 • (5/16)
BMO Harris Portfolio Checking®
Deposit Account Disclosure and Bank Fee Schedule
This Deposit Account Disclosure and Bank Fee Schedule, the separate Interest Rate Sheet and the Deposit Account Agreement
for Personal and Business Accounts (“Agreement”) are part of the Deposit Account Agreement that governs your Account and
you should read them. Capitalized terms not defined in this disclosure are defined in the Glossary of the Agreement.
Account opening and usage
Minimum deposit
needed to open Account
$100
Monthly
maintenance fee
and waivers
$25
Relationship
Waiver offers
Relationship Waiver1 is a special feature of this Account. In addition to waiving the monthly maintenance fee on this
Account, we will also waive the monthly maintenance fee on the following Accounts if this Account meets the $25,000
Combined Balance requirement and you have requested we link these Accounts to this Account to receive this benefit:
• Two BMO Harris Everyday Checking® accounts AND
• Four accounts in total that can be either Statement Savings and/or BMO Harris Select Money Market® accounts
Pays interest
Yes5
This is a variable rate Account where interest rates and annual percentage yields may change. At our discretion,
we may change the interest rate on this Account daily. The interest rate corresponding to the highest tier into
which your Collected Balance falls will be paid on the entire Collected Balance. Interest will be compounded daily
on the Collected Balance and credited to this Account monthly on the statement period date.
The tiers are as follows: $0.01 – $9,999.99, $10,000 – $24,999.99, $25,000 – $49,999.99, $50,000 or more
Effective May 10, 2016, the tiers will be $0.01 – $4,999.99, $5,000 – $9,999.99, $10,000 – $24,999.99,
$25,000 – $49,999.99, $50,000 – $99,999.99, $100,000 – $249,999.99, $250,000 – $499,999.99,
$500,000 – $999,999.99, $1,000,000 or more.
For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet, call 1-888-340-2265 or
visit bmoharris.com.
BMO Harris ATMs
Free
For deposits, withdrawals, transfers or balance inquiries.
Non-BMO Harris
ATM Transactions
$2.50
We charge this fee for each Non-BMO Harris ATM Transaction in excess of five per statement period.
The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.
Non-BMO Harris ATM
surcharge fee rebate
We will rebate up to $25 in ATM surcharge fees assessed by the ATM operator or network each statement period.
Stop payment fee
$35
Per request or renewal.
Account closing fee
$50
If closed within 90 days of Account opening.
We charge this fee on the last day of the statement period if you do not meet any one of the waiver
requirements listed below:
When the minimum daily Ledger Balance in this Account is $25,000 or more for the statement period.
When you meet ANY ONE of the following requirements for the statement period and have requested
that waiver from your BMO Harris Banker:
• You have requested we link this Account to receive benefits under Relationship Waiver1 and you
have met the $25,000 Combined Balance requirement for this Account.
• You are timely paying a BMO Harris consumer mortgage loan in accordance with the terms of your
agreement using Auto Pay from this Account.2 (FHA mortgage loans do not qualify for this fee waiver.)
• You are timely paying a BMO Harris consumer or small business loan or line of credit in accordance
with the terms of your agreement.2,3
• You maintain a BMO Harris Financial Advisors, Inc. investment account in accordance with the terms
of the investment account agreement.4
• You are a client of our employee benefits program, Best of BMO U.S.
BMO Harris Portfolio Checking • PAGE 1 of 4 • (4/16)
Account opening and usage (continued)
Statements
We will send you statements with Check Images monthly. Contact us to request Check Images if you are not
currently receiving them.
Check orders
• One free welcome package of checks AND
• Free wallet/duplicate safety paper, free Hubert-style checks and 50% discount on printing charges for certain
check styles ordered through BMO Harris.
Other fee waivers
• Purchase fees are waived for money orders and Travelers Cheques.
• Overdraft Funding Transfer Fees are waived for transfers into this Account.
Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts.
Additional information on Relationship Waiver can be found in Section 7.L of the Agreement.
1
Loans and lines of credit are subject to bank and credit approval.
2
A BMO Harris small business loan must be made to an Account Owner’s for-profit sole proprietorship or partnership (as stated on the assumed name certificate or
partnership agreement). Mortgage loans, overdraft protection lines of credit and loans to non-profit organizations do not qualify.
3
The Account Owner must also be an owner of the BMO Harris Financial Advisors, Inc. investment account. Securities, investment advisory services and insurance products
are offered through BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. SEC-registered investment adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank
N.A. are affiliated companies. Securities and insurance products offered are: NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE.
4
We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Collected Balance in this Account each day. Interest
begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For cash and electronic
deposits, interest begins to accrue on the Business Day of the deposit. We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.
5
Processing policies and dispute resolution
Posting order
(the order in which Items
are credited or debited)
We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):
1. Deposits and other credits received prior to the cutoff times.
2. ATM withdrawals and non-returnable debits.
3. POS transactions using your Card.
4. ACH transactions.
5. Checks.
6. Bank-generated transactions, including fees, interest and surcharge rebates.
For more details and to read an example, see Section 2.C of the Agreement.
Funds availability
summary
Immediate availability
Cash deposited into this Account.
Same day availability
Wire transfers and Direct Deposits into this Account.
Next day availability
Checks deposited into this Account.
This represents our general policy but longer delays may apply. For specific details, including when Items
are considered received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement.
Read the BMO Harris Mobile Banking End User Terms for information on funds availability for Mobile Deposits.
Dispute resolution
This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.
BMO Harris Portfolio Checking • PAGE 2 of 4 • (4/16)
Insufficient Funds and Overdrafts
Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for
payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are
posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when
Items post to your Account.
At our discretion, we may pay or return the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this
Account number. We will decline ATM and everyday debit Card transactions that may overdraw this Account unless you select the Overdraft Program for ATM
and Everyday Debit Card Transactions described below. The following are fees that may be charged if you do not have sufficient available funds in your Account.
Overdraft Fee
$35 per Item
(Maximum four per
Business Day)
You will be charged an Overdraft Fee for each Item we pay (regardless of the amount of the
Item) when your Account is overdrawn more than $5 after all Items are posted to the Account.
An Overdraft Fee is not charged if your Account is overdrawn by $5 or less after all the Items
are posted to the Account. This fee does not apply to ATM and everyday debit Card transactions
unless you have authorized us to pay these types of transactions. We do not charge an
Overdraft Fee for bank fees and service charges that overdraw your Account.
Consecutive Day
Overdraft Fee
$5 per Business Day
(Maximum 10 for each
occasion your Account
remains overdrawn)
You will be charged a Consecutive Day Overdraft Fee for each Business Day your Account is
overdrawn in any amount after your Account is overdrawn for three consecutive Business Days.
You will be charged this fee even if your Account is only overdrawn due to bank fees and
service charges.
Item Returned Fee (NSF)
$35 per Item
(Maximum four per
Business Day)
You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid
because your Account does not have sufficient available funds to pay the Item. This fee does
not apply to declined ATM and everyday debit Card transactions.
Optional Overdraft Protection Services
These are optional services that may be less expensive than overdraft and item returned fees.
Overdraft Funding
Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers
are subject to funds availability and transaction limits. The Overdraft Funding Transfer Fee is waived for this Account, but the
insufficient funds and overdraft fees may still apply. You must speak with your BMO Harris Banker to enroll in this service.
For details and fee information, visit bmoharris.com/overdraft.
Overdraft Protection
Line of Credit
In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must
apply and qualify for the Overdraft Protection Line of Credit, which is subject to bank and credit approval. For details and
fee information, visit bmoharris.com/overdraft.
Overdrafts for ATM and Everyday Debit Card Transactions
You’re able to select how you would like BMO Harris to handle everyday transactions involving your ATM or debit Card — including point-of-sale and ATM transactions
— when you don’t have sufficient available funds in your Account. Regardless of the option you choose for BMO Harris to handle ATM and everyday debit Card
transactions, you may still want to sign up for Overdraft Funding or apply for an Overdraft Protection Line of Credit. Learn more at bmoharris.com/overdraft.
No overdraft coverage
(Default)
$0
If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card
transaction that would overdraw this Account. Because these transactions will be declined,
no Overdraft Fee, Consecutive Day Overdraft Fee or Item Returned Fee (NSF) will apply to
these transactions.
Opt-in (Overdraft Program
for ATM and Everyday
Debit Card Transactions)
$35 Overdraft Fee per
Item; maximum four
per Business Day
By opting into this program, you authorize us to use our discretion to pay ATM and everyday
debit Card transactions that would overdraw this Account.
$5 Consecutive
Day Overdraft Fee
per Business Day;
maximum 10 for each
occasion your Account
remains overdrawn
If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and
Consecutive Day Overdraft Fee, described above, will apply to the transactions.
You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions — or
revoke your election — by speaking with your BMO Harris Banker or by logging in to BMO Harris
Online Banking® and modifying the Overdraft Program preferences on your Account.
BMO Harris Portfolio Checking • PAGE 3 of 4 • (4/16)
Bank Fee Schedule
Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account.
Some services are not available at all locations.
Account Benefits
Collection Items (Bond, Note, Sight Draft, Check)
BMO Harris ATM and Debit Card
Free
Coupon Collection
$10.00 per envelope
BMO Harris ATM Transactions
Free
Domestic Collection
$15.00 + cost9
BMO Harris Bank by Phone®
Free
Foreign Collection
$45.00 + cost9
BMO Harris Bill Pay®
Free (excludes expedited
payments)
Statement and Account Servicing
BMO Harris Mobile Banking®
Free6
BMO Harris Online Banking®
Free
BMO Harris Total Look®
Combined Statement
Debit or ATM Card Point-of-Sale (POS)
Transactions
Free
Wire Transfer – Incoming
Free
Account Activity Printout
$5.00
Account Balancing / Research
$40.00 per hour,
$15.00 minimum
Free
Duplicate Statement
$5.00
Free
Photocopies of Canceled Checks
First three Checks are free;
$5.00 for each additional
Miscellaneous
Customer Coin Counting of $100 or More
1% of total amount or
$5.00, whichever is greater
Deposited Item Returned10
$12.00
Special Letter
(Immigration, Verification of Deposit, etc.)
$10.00
Verification of Deposit Form from Third Party
$5.00
Payments and Transfers
BMO Harris Bill Pay® – Expedited Payment
Up to $15.00
Overdraft Funding Transfer Fee7
$10.00 per transfer;
maximum one transfer
fee per Business Day
Wire Transfer – Outgoing Domestic
$25.00
Legal Document Processing
Wire Transfer – Outgoing International
$45.00
Citations, Garnishments, Levies and Other
Court Orders
Up to $100.00
Retrieval Fee for Legal Documents in Storage
Up to $50.00
ATM and Debit Card
BMO Harris ATM Mini-Statement Purchase
$1.00
Debit or ATM Card Expedited Delivery
$30.00
Debit or ATM Card Replacement
$5.00
Foreign Transaction Fee8
3% of the transaction
amount
Non-Customer Check Cashing
Checks, Money Orders and Gift Cards
Message and data rates may apply. Contact your wireless carrier for details.
6
Only applicable to checking and money market checking accounts.
7
This fee will apply to any transaction initiated in a foreign country whether
initiated by the Cardholder while traveling or by a foreign merchant for a
purchase a Cardholder makes remotely from the United States, whether or
not a currency conversion is required.
$4.00
Cashier’s Check
$10.00
Deluxe Check Orders
Varies by account type
and style
Money Order ($1,000 maximum)
$5.00
Temporary Checks (only sold in sets of three)
$3.00 per set
Travelers Cheques
2% of total
© 2016 BMO Harris Bank N.A. Member FDIC (4/16)
$10.00 per Check
8
BMO Harris Gift Card
®
Cashing a Check of $50 or more Drawn
on BMO Harris
bmoharris.com
Cost may include additional correspondent bank fees, collecting bank fees,
communication fees, messenger fees and any other costs incurred.
9
Includes Items deposited by any method, including with a BMO Harris Teller
or Customer Service Representative, by mail, depository or BMO Harris ATM.
10
BMO Harris Portfolio Checking • PAGE 4 of 4 • (4/16)
BMO Harris Fresh Start Checking®
Deposit Account Disclosure and Bank Fee Schedule
This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts
(“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should read them. Capitalized terms
not defined in this disclosure are defined in the Glossary of the Agreement.
Account opening and usage
Minimum deposit
needed to open Account
$100
Monthly
maintenance fee
and waivers
$8 with Direct Deposit
Pays interest
No
BMO Harris ATMs
Free
For deposits, withdrawals, transfers or balance inquiries.
Non-BMO Harris
ATM Transactions
$2.50
We charge this fee for each Non-BMO Harris ATM Transaction.
Stop payment fee
$35
Per request or renewal.
Account closing fee
$50
If closed within 90 days of Account opening.
Statements
We will send you statements monthly.
or
We charge this fee on the last day of the statement period. To be charged the $8 fee,
the Direct Deposit must occur during the statement period.
$10 without Direct Deposit
The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.
We will send you Check Images with your statement if you request them. We will charge you a $3 fee each statement
period your Account is enrolled in this service even if there are no Check Images for your Account for a particular statement
period. This fee will appear as “IMAGE STMT SURCHARGE” on your statement. The fee will be waived if you select to only
receive online statements through BMO Harris Online Banking® and not paper statements. To receive the waiver, you must
1) be enrolled in BMO Harris Online Banking and 2) change your “Statement Preferences” in BMO Harris Online Banking to
“Electronic Only” for this Account.
Check orders
• One free welcome package of checks.
• The price for other check orders varies by check style.
BMO Harris Fresh Start Checking • PAGE 1 of 3 • (5/16)
Processing policies and dispute resolution
Posting order
(the order in which Items
are credited or debited)
We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):
1. Deposits and other credits received prior to the cutoff times.
2. ATM withdrawals and non-returnable debits.
3. POS transactions using your Card.
4. ACH transactions.
5. Checks.
6. Bank-generated transactions, including fees, interest and surcharge rebates.
For more details and to read an example, see Section 2.C of the Agreement.
Funds availability
summary
Immediate availability
Cash deposited into this Account.
Same day availability
Wire transfers and Direct Deposits into this Account.
Next day availability
Checks deposited into this Account.
This represents our general policy but longer delays may apply. For specific details, including when Items are considered
received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. Read the BMO Harris Mobile
Banking End User Terms for information on funds availability for Mobile Deposits.
Dispute resolution
This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.
Insufficient Funds and Overdrafts
Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for
payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are
posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when
Items post to your Account.
We will return as unpaid the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this Account
number. We will decline ATM and everyday debit Card transactions that may overdraw this Account. If we return an Item unpaid, you may be charged
the fee described below. There are some Items we are unable to return. If we are unable to return an Item that overdraws your Account, we will use our
discretion to pay it and you will not be charged a fee.
Item Returned Fee (NSF)
$35 per Item
(Maximum four per
Business Day)
You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid because
your Account does not have sufficient available funds to pay the Item. This fee does not apply
to declined ATM and everyday debit Card transactions.
Optional Overdraft Protection Service – Overdraft Funding
This optional service may be less expensive than Item Returned Fees. Money is transferred automatically from your linked BMO Harris savings, money
market or other checking Account. Transfers are subject to funds availability and transaction limits. You must speak with your BMO Harris Banker to enroll
in this service. For details and fee information, visit bmoharris.com/overdraft.
BMO Harris Fresh Start Checking • PAGE 2 of 3 • (5/16)
Bank Fee Schedule
Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account.
Some services are not available at all locations.
Account Benefits
Collection Items (Bond, Note, Sight Draft, Check)
BMO Harris ATM and Debit Card
Free
Coupon Collection
$10.00 per envelope
BMO Harris ATM Transactions
Free
Domestic Collection
$15.00 + cost4
BMO Harris Bank by Phone®
Free
Foreign Collection
$45.00 + cost4
BMO Harris Bill Pay®
Free (excludes expedited
payments)
Statement and Account Servicing
BMO Harris Mobile Banking®
Free1
BMO Harris Online Banking®
Free
BMO Harris Total Look®
Combined Statement
Customer Coin Counting
Free
Debit or ATM Card Point-of-Sale (POS)
Transactions
Free
Wire Transfer – Incoming
Free
Account Activity Printout
$5.00
Account Balancing / Research
$40.00 per hour,
$15.00 minimum
Free
Duplicate Statement
$5.00
Free
Photocopies of Canceled Checks
First three Checks are free;
$5.00 for each additional
Miscellaneous
Payments and Transfers
BMO Harris Bill Pay® – Expedited Payment
Up to $15.00
Overdraft Funding Transfer Fee2
$10.00 per transfer;
maximum one transfer
fee per Business Day
Deposited Item Returned5
$12.00
Special Letter
(Immigration, Verification of Deposit, etc.)
$10.00
Verification of Deposit Form from Third Party
$5.00
Legal Document Processing
Citations, Garnishments, Levies and Other
Court Orders
Up to $100.00
Up to $50.00
Wire Transfer – Outgoing Domestic
$25.00
Retrieval Fee for Legal Documents in Storage
Wire Transfer – Outgoing International
$45.00
Non-Customer Check Cashing
BMO Harris ATM Mini-Statement Purchase
$1.00
Cashing a Check of $50 or more Drawn
on BMO Harris
Debit or ATM Card Expedited Delivery
$30.00
Debit or ATM Card Replacement
$5.00
Foreign Transaction Fee3
3% of the transaction
amount
ATM and Debit Card
Message and data rates may apply. Contact your wireless carrier for details.
1
Only applicable to checking and money market checking accounts.
2
This fee will apply to any transaction initiated in a foreign country whether
initiated by the Cardholder while traveling or by a foreign merchant for a
purchase a Cardholder makes remotely from the United States, whether or
not a currency conversion is required.
3
Checks, Money Orders and Gift Cards
Cost may include additional correspondent bank fees, collecting bank fees,
communication fees, messenger fees and any other costs incurred.
4
BMO Harris Gift Card
$4.00
Cashier’s Check
$10.00
Deluxe® Check Orders
Varies by account type
and style
Money Order ($1,000 maximum)
$5.00
Temporary Checks (only sold in sets of three)
$3.00 per set
Travelers Cheques
2% of total
© 2016 BMO Harris Bank N.A. Member FDIC (5/16)
$10.00 per Check
Includes Items deposited by any method, including with a BMO Harris Teller
or Customer Service Representative, by mail, depository or BMO Harris ATM.
5
bmoharris.com
BMO Harris Fresh Start Checking • PAGE 3 of 3 • (5/16)
Statement Savings
Deposit Account Disclosure and Bank Fee Schedule
This Deposit Account Disclosure and Bank Fee Schedule, the separate Interest Rate Sheet and the Deposit Account Agreement for
Personal and Business Accounts (“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should
read them. Capitalized terms not defined in this disclosure are defined in the Glossary of the Agreement.
Account opening and usage
Minimum deposit
needed to open Account
$100
Monthly
maintenance fee
and waivers
$5
We charge this fee on the last calendar day of the month (or on the statement period date if this Account receives
benefits under Relationship Waiver1) if you do not meet any one of the waiver requirements listed below:
•The minimum daily Ledger Balance in this Account is $500 or more for the month.
•The Primary Account Owner is under 18 years of age on the day the fee is to be assessed.
•You have requested an Auto Save waiver from your BMO Harris Banker and are making a minimum $25
Auto Save transfer into this Account each month during the period below that applies to when Auto Save
is established. Waiver only applies for one of the periods listed below:
1. After November 1, 2013 we will waive the monthly maintenance fee on this Account for two years after
the Auto Save is established.
2.Prior to June 30, 2012 we will continue to waive the monthly maintenance fee until the Auto Save
transfers are canceled. This does not apply to you if you opened your Account before October 6, 2012
at a legacy Harris location in Florida or Arizona.
•Your BMO Harris Select Checking® account meets its $10,000 minimum Combined Balance requirement
and you have requested we link this Account to your BMO Harris Select Checking account to receive
benefits under Relationship Waiver1. Monthly maintenance fee waiver is limited to a total of two accounts
that can be either Statement Savings and/or BMO Harris Select Money Market® accounts.
•Your BMO Harris Portfolio Checking® account meets its $25,000 minimum Combined Balance requirement
and you have requested we link this Account to your BMO Harris Portfolio Checking account to receive
benefits under Relationship Waiver1. Monthly maintenance fee waiver is limited to a total of four accounts
that can be either Statement Savings and/or BMO Harris Select Money Market accounts.
•Your Wealth Checking account meets its $25,000 minimum Average Daily Balance requirement and
you have requested we link this Account to your Wealth Checking account to receive benefits under
Relationship Waiver1. Monthly maintenance fee waiver is limited to a total of four accounts that can be
either Statement Savings and/or BMO Harris Select Money Market accounts.
Pays interest
Yes2
This is a variable rate Account where interest rates and annual percentage yields may change. At our discretion,
we may change the interest rate on this Account daily. The interest rate corresponding to the highest tier into
which your Collected Balance falls will be paid on the entire Collected Balance. Interest will be compounded
daily on the Collected Balance and credited to this Account quarterly on the last calendar day of the quarter.
The tiers are as follows: $0.01 – $4,999.99, $5,000 – $9,999.99, $10,000 – $24,999.99, $25,000 – $49,999.99,
$50,000 – $99,999.99, $100,000 – $249,999.99, $250,000 – $499,999.99, $500,000 – $999,999.99, $1,000,000 or more.
For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet, call 1-888-340-2265 or
visit bmoharris.com.
Statement Savings • PAGE 1 of 3 • (6/16)
Account opening and usage (continued)
Transaction
limitations
Deposits of any amount are allowed at any time. Withdrawals or transfers from savings accounts are unlimited when
made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative
to have a check made payable to you.
We limit all other withdrawals or transfers, including those made by POS transactions, ACH, wire, automated telephone
banking and online banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or
monthly statement period. Transactions that exceed the limit will not be allowed.
BMO Harris ATMs
Free
For deposits, withdrawals, transfers or balance inquiries.
Non-BMO Harris
ATM Transactions
$2.50
We charge this fee for each Non-BMO Harris ATM Transaction.
Account closing fee
$50
Statements
We will send you statements quarterly. If you link this Account to receive benefits under Relationship Waiver1, the statement
period date and frequency for this Account will change to be the same statement period as the BMO Harris Select Checking,
BMO Harris Portfolio Checking or Wealth Checking account to which this Account is linked.
The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.
If closed within 90 days of Account opening.
If you link this Account to receive benefits under Relationship Waiver, all references to “month” mean “statement period”. Ask your BMO Harris Banker for additional
information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts. Additional information on Relationship Waiver
can be found in Section 7.L of the Agreement.
1
We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Collected Balance in this Account each day. Interest
begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For cash and electronic
deposits, interest begins to accrue on the Business Day of the deposit. We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.
2
Processing policies and dispute resolution
Posting order
(the order in which Items
are credited or debited)
We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):
1. Deposits and other credits received prior to the cutoff times.
2. ATM withdrawals and non-returnable debits.
3. POS transactions using your Card.
4. ACH transactions.
5. Checks.
6. Bank-generated transactions, including fees, interest and surcharge rebates.
For more details and to read an example, see Section 2.C of the Agreement.
Funds availability
summary
Immediate availability
Cash deposited into this Account.
Same day availability
Wire transfers and Direct Deposits into this Account.
Next day availability
Checks deposited into this Account.
This represents our general policy but longer delays may apply. For specific details, including when Items are considered
received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. Read the BMO Harris Mobile
Banking End User Terms for information on funds availability for Mobile Deposits.
Dispute resolution
This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.
Statement Savings • PAGE 2 of 3 • (6/16)
Bank Fee Schedule
Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account.
Some services are not available at all locations.
Account Benefits
Collection Items (Bond, Note, Sight Draft, Check)
BMO Harris ATM and Debit Card
Free
Coupon Collection
$10.00 per envelope
BMO Harris ATM Transactions
Free
Domestic Collection
$15.00 + cost6
BMO Harris Bank by Phone®
Free
Foreign Collection
$45.00 + cost6
BMO Harris Bill Pay®
Free (excludes expedited
payments)
Statement and Account Servicing
BMO Harris Mobile Banking®
Free3
BMO Harris Online Banking®
Free
BMO Harris Total Look®
Combined Statement
Customer Coin Counting
Free
Debit or ATM Card Point-of-Sale (POS)
Transactions
Free
Wire Transfer – Incoming
Free
Account Activity Printout
$5.00
Account Balancing / Research
$40.00 per hour,
$15.00 minimum
Free
Duplicate Statement
$5.00
Free
Photocopies of Canceled Checks
First three Checks are free;
$5.00 for each additional
Miscellaneous
Payments and Transfers
BMO Harris Bill Pay® – Expedited Payment
Up to $15.00
Overdraft Funding Transfer Fee4
$10.00 per transfer;
maximum one transfer
fee per Business Day
Deposited Item Returned7
$12.00
Special Letter
(Immigration, Verification of Deposit, etc.)
$10.00
Verification of Deposit Form from Third Party
$5.00
Legal Document Processing
Citations, Garnishments, Levies and Other
Court Orders
Up to $100.00
Up to $50.00
Wire Transfer – Outgoing Domestic
$25.00
Retrieval Fee for Legal Documents in Storage
Wire Transfer – Outgoing International
$45.00
Non-Customer Check Cashing
BMO Harris ATM Mini-Statement Purchase
$1.00
Cashing a Check of $50 or more Drawn
on BMO Harris
Debit or ATM Card Expedited Delivery
$30.00
Debit or ATM Card Replacement
$5.00
Foreign Transaction Fee5
3% of the transaction
amount
ATM and Debit Card
Message and data rates may apply. Contact your wireless carrier for details.
3
Only applicable to checking and money market checking accounts.
4
This fee will apply to any transaction initiated in a foreign country whether
initiated by the Cardholder while traveling or by a foreign merchant for a
purchase a Cardholder makes remotely from the United States, whether or
not a currency conversion is required.
5
Checks, Money Orders and Gift Cards
Cost may include additional correspondent bank fees, collecting bank fees,
communication fees, messenger fees and any other costs incurred.
6
BMO Harris Gift Card
$4.00
Cashier’s Check
$10.00
Deluxe® Check Orders
Varies by account type
and style
Money Order ($1,000 maximum)
$5.00
Temporary Checks (only sold in sets of three)
$3.00 per set
Travelers Cheques
2% of total
© 2016 BMO Harris Bank N.A. Member FDIC (6/16)
$10.00 per Check
Includes Items deposited by any method, including with a BMO Harris Teller
or Customer Service Representative, by mail, depository or BMO Harris ATM.
7
bmoharris.com
Statement Savings • PAGE 3 of 3 • (6/16)
BMO Harris Select Money Market®
Deposit Account Disclosure and Bank Fee Schedule
This Deposit Account Disclosure and Bank Fee Schedule, the separate Interest Rate Sheet and the Deposit Account Agreement for
Personal and Business Accounts (“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should
read them. Capitalized terms not defined in this disclosure are defined in the Glossary of the Agreement.
Account opening and usage
Minimum deposit
needed to open Account
$1,000
Monthly
maintenance fee
and waivers
$15
We charge this fee on the last day of the statement period if you do not meet any one of the waiver
requirements listed below:
•The minimum daily Ledger Balance in this Account is $2,500 or more for the statement period.
•You have requested an Auto Save waiver from your BMO Harris Banker and are making a minimum $100
Auto Save transfer into this Account each month during the period below that applies to when Auto Save
is established. Waiver only applies for one of the periods listed below:
1. After November 1, 2013 we will waive the monthly maintenance fee on this Account for two years after
the Auto Save is established.
2.Prior to June 30, 2012 we will continue to waive the monthly maintenance fee until the Auto Save
transfers are canceled. This does not apply to you if you opened your Account before October 6, 2012
at a legacy Harris location in Florida or Arizona.
•Your BMO Harris Select Checking® account meets its $10,000 minimum Combined Balance requirement
and you have requested we link this Account to your BMO Harris Select Checking account to receive
benefits under Relationship Waiver1. Monthly maintenance fee waiver is limited to a total of two accounts
that can be either Statement Savings and/or BMO Harris Select Money Market accounts.
•Your BMO Harris Portfolio Checking® account meets its $25,000 minimum Combined Balance requirement
and you have requested we link this Account to your BMO Harris Portfolio Checking account to receive
benefits under Relationship Waiver1. Monthly maintenance fee waiver is limited to a total of four accounts
that can be either Statement Savings and/or BMO Harris Select Money Market accounts.
•Your Wealth Checking account meets its $25,000 minimum Average Daily Balance requirement and
you have requested we link this Account to your Wealth Checking account to receive benefits under
Relationship Waiver1. Monthly maintenance fee waiver is limited to a total of four accounts that can be
either Statement Savings and/or BMO Harris Select Money Market accounts.
Pays interest
Yes2
This is a variable rate Account where interest rates and annual percentage yields may change. At our discretion,
we may change the interest rate on this Account daily. The interest rate corresponding to the highest tier into
which your Collected Balance falls will be paid on the entire Collected Balance. Interest will be compounded
daily on the Collected Balance and credited to this Account monthly on the statement period date.
The tiers are as follows: $0.01 – $4,999.99, $5,000 – $9,999.99, $10,000 – $24,999.99, $25,000 – $49,999.99,
$50,000 – $99,999.99, $100,000 – $249,999.99, $250,000 – $499,999.99, $500,000 – $999,999.99, $1,000,000 or more.
For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet, call 1-888-340-2265 or
visit bmoharris.com.
BMO Harris Select Money Market • PAGE 1 of 4 • (5/16)
Account opening and usage (continued)
Transaction
limitations
Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when
made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative
to have a check made payable to you.
We limit all other withdrawals or transfers, including those made by POS transactions, ACH, wire, automated telephone
banking and online banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or
monthly statement period.
Transaction
limitation fee
$10
Assessed for each transaction that exceeds transaction limitations described above.
BMO Harris ATMs
Free
For deposits, withdrawals, transfers or balance inquiries.
Non-BMO Harris
ATM Transactions
$2.50
We charge this fee for each Non-BMO Harris ATM Transaction.
Stop payment fee
$35
Per request or renewal.
Account closing fee
$50
If closed within 90 days of Account opening.
Statements
We will send you statements with Check Images monthly. Contact us to request Check Images if you are not currently
receiving them. If you link this Account to receive benefits under Relationship Waiver1, the statement period date will
change to be the same statement period as the BMO Harris Select Checking, BMO Harris Portfolio Checking, or Wealth
Checking account to which this Account is linked.
The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.
Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts.
Additional information on Relationship Waiver can be found in Section 7.L of the Agreement.
1
We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Collected Balance in this Account each day. Interest
begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For cash and electronic
deposits, interest begins to accrue on the Business Day of the deposit. We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.
2
Processing policies and dispute resolution
Posting order
(the order in which Items
are credited or debited)
We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):
1. Deposits and other credits received prior to the cutoff times.
2. ATM withdrawals and non-returnable debits.
3. POS transactions using your Card.
4. ACH transactions.
5. Checks.
6. Bank-generated transactions, including fees, interest and surcharge rebates.
For more details and to read an example, see Section 2.C of the Agreement.
Funds availability
summary
Immediate availability
Cash deposited into this Account.
Same day availability
Wire transfers and Direct Deposits into this Account.
Next day availability
Checks deposited into this Account.
This represents our general policy but longer delays may apply. For specific details, including when Items are considered
received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. Read the BMO Harris Mobile
Banking End User Terms for information on funds availability for Mobile Deposits.
Dispute resolution
This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.
BMO Harris Select Money Market • PAGE 2 of 4 • (5/16)
Insufficient Funds and Overdrafts
Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for
payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are
posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when
Items post to your Account.
At our discretion, we may pay or return the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this
Account number. We will decline ATM and everyday debit Card transactions that may overdraw this Account unless you select the Overdraft Program for ATM
and Everyday Debit Card Transactions described below. The following are fees that may be charged if you do not have sufficient available funds in your Account.
Overdraft Fee
$35 per Item
(Maximum four per
Business Day)
You will be charged an Overdraft Fee for each Item we pay (regardless of the amount of the
Item) when your Account is overdrawn more than $5 after all Items are posted to the Account.
An Overdraft Fee is not charged if your Account is overdrawn by $5 or less after all the Items
are posted to the Account. This fee does not apply to ATM and everyday debit Card transactions
unless you have authorized us to pay these types of transactions. We do not charge an
Overdraft Fee for bank fees and service charges that overdraw your Account.
Consecutive Day
Overdraft Fee
$5 per Business Day
(Maximum 10 for each
occasion your Account
remains overdrawn)
You will be charged a Consecutive Day Overdraft Fee for each Business Day your Account is
overdrawn in any amount after your Account is overdrawn for three consecutive Business Days.
You will be charged this fee even if your Account is only overdrawn due to bank fees and
service charges.
Item Returned Fee (NSF)
$35 per Item
(Maximum four per
Business Day)
You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid
because your Account does not have sufficient available funds to pay the Item. This fee does
not apply to declined ATM and everyday debit Card transactions.
Optional Overdraft Protection Services
These are optional services that may be less expensive than overdraft and item returned fees.
Overdraft Funding
Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers
are subject to funds availability and transaction limits. You must speak with your BMO Harris Banker to enroll in this service.
For details and fee information, visit bmoharris.com/overdraft.
Overdraft Protection
Line of Credit
In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must
apply and qualify for the Overdraft Protection Line of Credit, which is subject to bank and credit approval. For details and
fee information, visit bmoharris.com/overdraft.
Overdrafts for ATM and Everyday Debit Card Transactions
You’re able to select how you would like BMO Harris to handle everyday transactions involving your ATM or debit Card — including point-of-sale and ATM transactions
— when you don’t have sufficient available funds in your Account. Regardless of the option you choose for BMO Harris to handle ATM and everyday debit Card
transactions, you may still want to sign up for Overdraft Funding or apply for an Overdraft Protection Line of Credit. Learn more at bmoharris.com/overdraft.
No overdraft coverage
(Default)
$0
If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card
transaction that would overdraw this Account. Because these transactions will be declined,
no Overdraft Fee, Consecutive Day Overdraft Fee or Item Returned Fee (NSF) will apply to
these transactions.
Opt-in (Overdraft Program
for ATM and Everyday
Debit Card Transactions)
$35 Overdraft Fee per
Item; maximum four
per Business Day
By opting into this program, you authorize us to use our discretion to pay ATM and everyday
debit Card transactions that would overdraw this Account.
$5 Consecutive
Day Overdraft Fee
per Business Day;
maximum 10 for each
occasion your Account
remains overdrawn
If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and
Consecutive Day Overdraft Fee, described above, will apply to the transactions.
You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions — or
revoke your election — by speaking with your BMO Harris Banker or by logging in to BMO Harris
Online Banking® and modifying the Overdraft Program preferences on your Account.
BMO Harris Select Money Market • PAGE 3 of 4 • (5/16)
Bank Fee Schedule
Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account.
Some services are not available at all locations.
Account Benefits
Collection Items (Bond, Note, Sight Draft, Check)
BMO Harris ATM and Debit Card
Free
Coupon Collection
$10.00 per envelope
BMO Harris ATM Transactions
Free
Domestic Collection
$15.00 + cost6
BMO Harris Bank by Phone®
Free
Foreign Collection
$45.00 + cost6
BMO Harris Bill Pay®
Free (excludes expedited
payments)
Statement and Account Servicing
BMO Harris Mobile Banking®
Free3
BMO Harris Online Banking®
Free
BMO Harris Total Look®
Combined Statement
Customer Coin Counting
Free
Debit or ATM Card Point-of-Sale (POS)
Transactions
Free
Wire Transfer – Incoming
Free
Account Activity Printout
$5.00
Account Balancing / Research
$40.00 per hour,
$15.00 minimum
Free
Duplicate Statement
$5.00
Free
Photocopies of Canceled Checks
First three Checks are free;
$5.00 for each additional
Miscellaneous
Payments and Transfers
BMO Harris Bill Pay® – Expedited Payment
Up to $15.00
Overdraft Funding Transfer Fee4
$10.00 per transfer;
maximum one transfer
fee per Business Day
Deposited Item Returned7
$12.00
Special Letter
(Immigration, Verification of Deposit, etc.)
$10.00
Verification of Deposit Form from Third Party
$5.00
Legal Document Processing
Citations, Garnishments, Levies and Other
Court Orders
Up to $100.00
Up to $50.00
Wire Transfer – Outgoing Domestic
$25.00
Retrieval Fee for Legal Documents in Storage
Wire Transfer – Outgoing International
$45.00
Non-Customer Check Cashing
BMO Harris ATM Mini-Statement Purchase
$1.00
Cashing a Check of $50 or more Drawn
on BMO Harris
Debit or ATM Card Expedited Delivery
$30.00
Debit or ATM Card Replacement
$5.00
Foreign Transaction Fee5
3% of the transaction
amount
ATM and Debit Card
Message and data rates may apply. Contact your wireless carrier for details.
3
Only applicable to checking and money market checking accounts.
4
This fee will apply to any transaction initiated in a foreign country whether
initiated by the Cardholder while traveling or by a foreign merchant for a
purchase a Cardholder makes remotely from the United States, whether or
not a currency conversion is required.
5
Checks, Money Orders and Gift Cards
Cost may include additional correspondent bank fees, collecting bank fees,
communication fees, messenger fees and any other costs incurred.
6
BMO Harris Gift Card
$4.00
Cashier’s Check
$10.00
Deluxe® Check Orders
Varies by account type
and style
Money Order ($1,000 maximum)
$5.00
Temporary Checks (only sold in sets of three)
$3.00 per set
Travelers Cheques
2% of total
© 2016 BMO Harris Bank N.A. Member FDIC (5/16)
$10.00 per Check
Includes Items deposited by any method, including with a BMO Harris Teller
or Customer Service Representative, by mail, depository or BMO Harris ATM.
7
bmoharris.com
BMO Harris Select Money Market • PAGE 4 of 4 • (5/16)
Certificate of Deposit (CD)
Deposit Account Disclosure and Bank Fee Schedule
This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts
(“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should read them. Capitalized terms
not defined in this disclosure are defined in the Glossary of the Agreement.
Account opening and usage
Minimum deposit
needed to open Account
Varies
The minimum deposit to open this CD is based on the initial term of the CD you selected and was made
available to you before you submitted your application.
Pays interest
Yes1
We provide our interest rates and Annual Percentage Yields (APYs) for standard CDs and CD specials on our web
page and we made them available to you before you submitted your application.
You will be paid this rate until the maturity date of the term of your CD. The APY assumes interest and principal
remains on deposit until maturity. A withdrawal will reduce earnings.
For all CDs with maturities less than one year, interest for your Account will be compounded daily and will be
credited to your CD at maturity. For all CDs with maturities one year or greater, interest for your Account will be
compounded daily and will be credited to your CD quarterly.
Transaction
Limitations
Each CD is treated as a separate Account with its own interest rate and maturity. You cannot make additional deposits into
or withdrawals from this Account until the maturity date. Additional funds may be added and withdrawals may be made
during the grace period of 10 calendar days after the maturity date.
We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Ledger Balance in this Account each day. Interest begins
to accrue on the Business Day you deposit cash or any non-cash Item (for example checks). We reserve the right not to pay interest on any deposited Item that is returned
to us as unpaid.
1
Maturity, renewal and grace period
Automatic
renewal
At the maturity date, this Account will automatically renew to another CD of equal term at the then-current interest rate
and APY for that term and current balance. If the CD has a balance less than $1,000 it will automatically renew for the same
term with an interest rate and APY set by us as shown on the then current rate sheet.
Grace period
You will have a grace period of 10 calendar days after the maturity date to withdraw funds without being charged an early
withdrawal penalty. If you close your CD during the grace period, accrued and unpaid interest will not be paid. We will send
you a pre-maturity reminder and a confirmation of the renewal.
Certificate of Deposit (CD) • PAGE 1 of 3 • (10/16)
Early withdrawal penalty
When you make a deposit to any one of our CD products, you agree to keep the funds on deposit until the stated maturity date. The maturity date is the
first day you can change the term or rate or make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals
of principal upon maturity only. If we permit you to make an early withdrawal of principal before maturity, you will pay an early withdrawal penalty. The
penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your
accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty.
Early withdrawal
penalty
Penalty waivers
CD Term
Interest Penalty
1 month (7 – 59 days)
You will be charged all interest earned
2 months – 11 months
(60 days – up to and including 364 days)
You will be charged 90 days interest
12 – 23 months
You will be charged 180 days interest
24 – 35 months
You will be charged 270 days interest
36 – 47 months
You will be charged 365 days interest
48 months or longer
You will be charged 545 days interest
Short Term CD Special
(2 – 11 months)
You will be charged 180 days interest
Long Term CD Special
(12 months or longer)
You will be charged 365 days interest
The penalty will be waived in the following circumstances:
•Any Account Owner of the CD passes away.
•Any Account Owner of the CD is judicially declared legally incompetent.
•Any Account Owner of the CD has separate CDs with an FDIC-insured bank and that bank merges with BMO Harris
Bank, and within one year of the merger the Account Owner withdraws the amount of the combined CD balances
that exceed FDIC deposit insurance coverage. However, please note that the FDIC may only insure CDs separately
for six months after the date of the merger and any amount OF YOUR COMBINED DEPOSIT BALANCES in excess of the
FDIC deposit insurance coverage will not be insured after such date. Additional information regarding FDIC deposit
insurance coverage can be found at FDIC.gov.
•The CD has a feature where it will automatically renew at maturity and the withdrawal is made during the 10-day
calendar day grace period after the maturity date of the CD.
Certificate of Deposit (CD) • PAGE 2 of 3 • (10/16)
Bank Fee Schedule
Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account.
Some services are not available at all locations.
Account Benefits
Collection Items (Bond, Note, Sight Draft, Check)
BMO Harris ATM and Debit Card
Free
Coupon Collection
$10.00 per envelope
BMO Harris ATM Transactions
Free
Domestic Collection
$15.00 + cost5
BMO Harris Bank by Phone®
Free
Foreign Collection
$45.00 + cost5
BMO Harris Bill Pay®
Free (excludes expedited
payments)
Statement and Account Servicing
BMO Harris Mobile Banking®
Free2
BMO Harris Online Banking®
Free
BMO Harris Total Look®
Combined Statement
Customer Coin Counting
Free
Debit or ATM Card Point-of-Sale (POS)
Transactions
Free
Wire Transfer – Incoming
Free
Account Activity Printout
$5.00
Account Balancing / Research
$40.00 per hour,
$15.00 minimum
Free
Duplicate Statement
$5.00
Free
Photocopies of Canceled Checks
First three Checks are free;
$5.00 for each additional
Miscellaneous
Payments and Transfers
BMO Harris Bill Pay® – Expedited Payment
Up to $15.00
Overdraft Funding Transfer Fee3
$10.00 per transfer;
maximum one transfer
fee per Business Day
Deposited Item Returned6
$12.00
Special Letter
(Immigration, Verification of Deposit, etc.)
$10.00
Verification of Deposit Form from Third Party
$5.00
Legal Document Processing
Citations, Garnishments, Levies and Other
Court Orders
Up to $100.00
Up to $50.00
Wire Transfer – Outgoing Domestic
$25.00
Retrieval Fee for Legal Documents in Storage
Wire Transfer – Outgoing International
$45.00
Non-Customer Check Cashing
BMO Harris ATM Mini-Statement Purchase
$1.00
Cashing a Check of $50 or more Drawn
on BMO Harris
Debit or ATM Card Expedited Delivery
$30.00
Debit or ATM Card Replacement
$5.00
Foreign Transaction Fee
3% of the transaction
amount
ATM and Debit Card
4
Message and data rates may apply. Contact your wireless carrier for details.
2
Only applicable to checking and money market checking accounts.
3
This fee will apply to any transaction initiated in a foreign country whether
initiated by the Cardholder while traveling or by a foreign merchant for a
purchase a Cardholder makes remotely from the United States, whether or
not a currency conversion is required.
4
Checks, Money Orders and Gift Cards
Cost may include additional correspondent bank fees, collecting bank fees,
communication fees, messenger fees and any other costs incurred.
5
BMO Harris Gift Card
$4.00
Cashier’s Check
$10.00
Deluxe® Check Orders
Varies by account type
and style
Money Order ($1,000 maximum)
$5.00
Temporary Checks (only sold in sets of three)
$3.00 per set
Travelers Cheques
2% of total
© 2016 BMO Harris Bank N.A. Member FDIC (10/16)
$10.00 per Check
Includes Items deposited by any method, including with a BMO Harris Teller
or Customer Service Representative, by mail, depository or BMO Harris ATM.
6
bmoharris.com
Certificate of Deposit (CD) • PAGE 3 of 3 • (10/16)