BMO

BMO is a North American bank that offers personal, business, wealth and commercial banking. It serves clients in the United States and Canada. The bank says it is the eighth largest bank in North America by assets, with 1.5 trillion dollars in total assets. It says it has served clients for 208 years.

For personal customers, BMO offers checking and savings accounts, money market accounts and certificates of deposit. It also offers debit cards, credit cards, digital banking and overdraft services. Its credit cards include cash back, platinum, rewards and secured options.

BMO provides loans and lines of credit, including home equity lines of credit, home equity loans, private student loans, student loan refinancing and debt consolidation. Its mortgage range covers buying a home, refinancing, fixed rate, adjustable rate, low down payment, jumbo and cross-border mortgages. It also offers online calculators.

BMO has sections for investing and retirement, wealth management, capital markets and global asset management. Retirement options include IRA certificates of deposit and IRA premium savers. Business banking and commercial banking have their own sections.

BMO also offers a Health Savings Account, delivered with Lively. The account lets savers put money aside tax-free for medical costs. It comes with a debit card and a mobile app. The bank says there are no required monthly fees and no minimum balances.

BMO describes its purpose as helping business and life grow. It says it works for a thriving economy, a sustainable future and stronger communities. It has a Climate Ambition to be its clients' lead partner in energy and climate resilience. Its history goes back to 1817.

Services

• Personal banking
• Business banking
• Commercial banking
• Wealth management
• Capital markets
• Global asset management
• Mortgages
• Loans and lines of credit
• Credit cards
• Health savings accounts