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16 BEST High Yield Savings Accounts (Highest APY!)You can use BMO Bank by Phone automated services for around-the-clock access to your accounts. Check your balance, transfer between accounts, review. healthcare plans, your Health Savings Account. (HSA) account balance can be carried over from year to year. Plus, an HSA may provide tax-advantaged savings. Contact a BMO Harris Banker at or visit any BMO Harris branch for details. � What happens if the money in my HSA is not used to pay for medical.