BMO Chequing Account: Get up to $800 when you open a banking package and savings account

Q: What's the difference between a chequing account and a BMO Savings Account?

A BMO chequing account is a type of bank account that allows you to deposit money (such as your paycheque, a cheque or direct deposit) or make withdrawals for everyday expenses, such as groceries, meals, gas and other essentials. You can also pay bills, make Interac transfers, withdraw cash from ATMs and more. A BMO Savings Account is a good place to put money aside to earn interest and grow over the long term. You can use it to weave a safety net or save for big expenses, like a well-deserved vacation.

Q: How can I obtain a specimen cheque from the Bank of Montreal?

There are two ways to get a free BMO cheque sample:Write SPECIMEN across a cheque linked to your BMO account. If you do not have a paper cheque for your BMO personal account, you can download a digital copy in PDF format by following the steps below:- Click My Accounts.; - Select your bank account.; - Click Specimen Check.; Or simply complete the direct deposit form and send it to the payer.Be sure to include a void cheque or your BMO account number, financial institution number and branch direct debit number. To find this information:- Click My Accounts.; - Select your bank account. You will find this information in the blue section.;

Q: How do I contact the BMO?

You can reach BMO in a number of ways:- With secure messaging from your BMO Online Account; - By visiting any BMO branch; - By calling 1-877-225-5266;

BMO Chequing Account: Get up to $800 when you open a banking package and savings account

Apr 26, 2026

Updated May 8, 2026

Fact checked by

Bank Accounts BMO Chequing Account: Get up to $800 when you open a banking package and savings account

To the point Until June 1, 2026, enjoy a bonus of up to $800 with select BMO chequing accounts and banking packages!

Are you looking for information on a BMO chequing account and want to know if BMO is the bank for you? This guide will tell you all you need to know about BMO:

The Best BMO Bank Account Offers
Our review on BMO
BMO’s Online Services
Frequently asked questions about BMO

Best BMO Chequing Account Offers

BMO offers several levels of chequing accounts with fixed monthly fees ranging from $0 to $30:

Performance
Premium
Performance Students
Performance for Newcomers
Performance – Canadian Defence Community Banking
Easy
Plus
AIR MILES

In addition, BMO offers the BMO Family Bundle. This package allows your loved ones to enjoy free everyday banking services: one household, one monthly fee!

BMO Performance Chequing Account

BMO Premium Chequing Account

Here's Why This Card Is Perfect For AIR MILES Collectors! - BMO Credit Card

BMO Performance Chequing Account for Students

BMO Performance Chequing Account for Newcomers

BMO Bank of Montreal Canadian Defence Community Banking – Performance Chequing Account

BMO Practical Chequing Account

BMO Plus Chequing Account

BMO AIR MILES Chequing Account

BMO Family Bundle

The Bank of Montreal offers the BMO Family Package. Three steps to benefit from it:

Open an eligible account (Performance or Premium)
Invite a family member
Ask him to complete the account opening

With the BMO Family Bundle, you get benefits for the whole family:

Save on banking fees: Since family members won’t have to pay any monthly fees, the Family Package is an excellent way to save.
Unlimited No Fee Everyday Banking: You and your family can enjoy unlimited free transactions, including Interac e-Transfer transactions.
Private accounts: The accounts of each member remain confidential. You only have access to accounts registered in your name.

Our review on BMO

In Quebec and elsewhere in Canada, BMO offers a wide range of banking services for its customers. With a BMO debit card, you can access BMO banking services online.

Several online services are offered by the Bank of Montreal:

View your BMO chequing or savings accounts online
Manage your BMO loans and mortgages online
BMO Smartphone Online Application for Smartphone to manage your accounts from anywhere
Sending money from your BMO Online Account with Interac
And more!

BMO’s online banking offer is comprehensive, particularly in Quebec, thanks to the presence of numerous BMO branches. The Bank of Montreal is an excellent choice.

BMO Chequing Account: Get up to $800 by opening a banking package and a savings account - BMO Bank of Montreal BMO Online

BMO’s Online Services

As a BMO customer, you can enjoy many benefits:

24/7 access to BMO Online Banking services
Online payments of your transactions and bills
Send money quickly to the person of your choice with an Interac e-Transfer
Receive government assistance in the BMO account of your choice with CRA Direct Deposit
Deposit cheques anywhere with the BMO mobile app
Download a sample BMO cheque
In the event of loss or theft, block, unblock or replace your credit card in your BMO Online Banking.

BMO also has special offers for newcomers, students, members of the Canadian defence community, children and teenagers, seniors, and doctors and dentists.

Frequently asked questions about BMO

What’s the difference between a chequing account and a BMO Savings Account?

A BMO chequing account is a type of bank account that allows you to deposit money (such as your paycheque, a cheque or direct deposit) or make withdrawals for everyday expenses, such as groceries, meals, gas and other essentials. You can also pay bills, make Interac transfers, withdraw cash from ATMs and more.

A BMO Savings Account is a good place to put money aside to earn interest and grow over the long term. You can use it to weave a safety net or save for big expenses, like a well-deserved vacation.

How do I get my BMO debit card?

Your BMO Debit Card debit card is given to you when you open your chequing account. You can choose your personal identification number (PIN) on the spot, directly at the counter. If there is no ATM at your branch, a card and PIN will be mailed to you.

I lost my BMO Debit Card: What do I do?

If your card is lost, stolen, misused or retained by an ATM, contact BMO immediately at 1-800-361-3361.

You can also report a lost or stolen card with BMO Banking:

Sign in to Online Banking.
Go to My accounts and select the desired card from the left-hand menu.
In the left-hand menu, select Report a lost or stolen card.

Or with BMO mobile services:

Sign in to Mobile Services.
Select your credit card , then Manage credit card s on the credit card information page (gear icon).
Select Replace stolen or lost card .

How can I obtain a specimen cheque from the Bank of Montreal?

There are two ways to get a free BMO cheque sample:

Write SPECIMEN across a cheque linked to your BMO account. If you do not have a paper cheque for your BMO personal account, you can download a digital copy in PDF format by following the steps below:

Click My Accounts.
Select your bank account.
Click Specimen Check.

Or simply complete the direct deposit form and send it to the payer.

Be sure to include a void cheque or your BMO account number, financial institution number and branch direct debit number. To find this information:

Click My Accounts.
Select your bank account. You will find this information in the blue section.

How do I contact the BMO?

You can reach BMO in a number of ways:

With secure messaging from your BMO Online Account
By visiting any BMO branch
By calling 1-877-225-5266

What are BMO’s credit cards?

The Bank of Montreal offers a wide range of credit cards. See our page dedicated to the best BMO credit card offers.

Come to discuss that topic in our Facebook Group!

Jean-Maximilien Voisine

Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.

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