It only takes minutes to open a new BMO Harris account online and turn your phone into the trendiest wallet. | BMO U.S.

With the BMO Harris Mobile Banking app, you can pay bills with a few taps. Can a check do that? Only in its dreams. That feeling you get when your phone becomes your bank? That’s the BMO Effect. | BMO U.S.

Reduce bank fees with the BMO Harris Smart AdvantageTM Account. No monthly maintenance fees, no minimum balance and access to nearly as many fee-free ATMs in the U.S. as the three largest banks combined. Talk about a reason to celebrate. | BMO U.S.