BMO Bank National Association

Headquarters: Chicago, Illinois
Charter: Bank
Assets: $255.0B
Fed district: Chicago

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
BMO Smart Money Checking
BMO Bank National Association: $5
BMO Bank National Association: $5
U.S. median: no median
Non-Network ATM
BMO Bank National Association: $3
BMO Bank National Association: $3
U.S. median: no median
Wire Transfer (Domestic Out)
BMO Bank National Association: $30
BMO Bank National Association: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from BMO Bank National Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance$5
per month

ATM & Card

Non-BMO ATM$3
Debit or ATM Card Expedited Delivery$30

Wire Transfers

Wire Transfer – Outgoing Domestic (audience not stated, treated as personal)$30
Wire Transfer – IncomingNo charge
Wire Transfer – Outgoing International (audience not stated, treated as personal)$50

Check Services

Cashier’s CheckNo charge
Money Order ($1,000 maximum)$5
Stop payment fee$35
per item
Check Images$3
Photocopies of Canceled ChecksNo charge

Account Services

Verification of Deposit Form$12

Other Fees

Duplicate StatementNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance	$5	per month	None
ATM & Card
Non-BMO ATM	$3	Not stated	None
Debit or ATM Card Expedited Delivery	$30	Not stated	None
Wire Transfers
Wire Transfer – Outgoing Domestic (audience not stated, treated as personal)	$30	Not stated	None
Wire Transfer – Incoming	No charge	Not stated	None
Wire Transfer – Outgoing International (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Cashier’s Check	No charge	Not stated	None
Money Order ($1,000 maximum)	$5	Not stated	None
Stop payment fee	$35	per item	None
Check Images	$3	Not stated	None
Photocopies of Canceled Checks	No charge	Not stated	None
Account Services
Verification of Deposit Form	$12	Not stated	None
Other Fees
Duplicate Statement	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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