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Free $200 w/ BMO Harris Checking AccountThe BMO Harris Smart MoneyTM Account is a pretty straight-forward checking account. The monthly service fee is low at $5 unless you're under the. Protect yourself with no overdraft chargesfootnote 4 and a low monthly maintenance fee. Monthly maintenance fee. $0. $5. Or $0 if you're under Relationship. 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 a particular statement period.