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?? BMO Checking Account Review: Weighing the Pros and ConsCustomers can use about 40, ATMs with no fee. � 24/7 customer service via phone. � Variety of CDs offered. � Low minimum opening deposit for savings � $ The minimum daily Ledger Balance in your account is $10, or more for the previous calendar month. You have a Monthly Combined Balance of $25, for the. Recognized as a low-cost checking account. This account is certified by With a minimum opening deposit of $25, the Savings Builder account gives you.