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BMO Smart Money Checking has no overdraft fees because it declines ATM withdrawals and debit card purchases that would result in a negative balance for your account. Impact Link. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. If you open a Relationship Checking account, you might like the BMO Relationship Plus Money Market Account � then you'll earn a higher interest rate than you would with its regular savings account.
