Footnote 4 details 4 We may offer higher interest rates when you are an Account Owner of both a BMO Relationship Checking account and a Relationship Plus Money Market account.

You are not eligible to receive savings rewards if you have previously opened a Statement Savings account between Februand Octoand participated in the Statement Savings account – Savings Rewards offer. Only your first account opened is eligible for savings rewards. Savings rewards are limited to one Savings Builder account per customer as Primary Account Owner. An account switched into Savings Builder from a different product is not eligible for savings rewards.

Savings rewards are available for new accounts only. Savings rewards will be reported to the IRS for tax purposes and you are responsible for any applicable taxes. Your account must be open when the savings rewards are paid.If your initial deposit is not received until the month after account opening, the account will only be eligible for 11 savings rewards.

The first savings reward is based on your savings growth from the Business Day the account is opened through the last Business Day of that month.

Your account is eligible for 12 savings rewards beginning with the month your account is opened.

Interest and savings reward payments will not count towards your balance growth. To calculate if your balance has grown by $200, we will compare the Ledger Balance on the last Business Day of the previous month to the Ledger Balance on the last Business Day of the current month.

Footnote 3 details 3 For every month your Savings Builder account balance grows by at least $200, we will credit the account with a $5 savings reward within 5 calendar days after the end of the month.

Footnote 2 details 2 Transaction Limitations.

Footnote 1 details 1 Please visit for current FDIC insurance limits.

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