Associate Private Banker
BMO Private Wealth
100 King St W
Premium Banking and Payment Solutions
The BMO Private Wealth Premium Plan is exclusively available for BMO Nesbitt Burns clients. It is designed to help you manage your day to day finances easily and effectively and is ideal for busy people with multiple personal and financial goals. As a client, you will gain access to a superior banking experience with a dedicated banking professional who will advise you on your day to day personal banking and borrowing needs to help you reach your goals.
Day to Day Banking
The BMO Private Wealth Premium Plan2 provides several features and benefits to simplify and help you manage your
day to day banking. Your banking professional can assist you with personal deposits and savings needs.
Up to 20 accounts can be included in the Plan3
You can add up to a total of 20 accounts to your Premium Plan and pay only one monthly plan fee. This allows you to open multiple chequing and savings accounts for different purposes, so you can budget, track and transfer funds easily. You may not need all 20, but if you ever feel you need multiple accounts to help manage your finances, the option is there!
Includes unlimited Interac e-Transfer®§ transactions (up to $3,000 daily maximum)5
Unlimited transactions per month4
Unlimited worldwide non-BMO ATM withdrawals6
You won’t have to pay BMO a fee for using any ATM anywhere in the world. Save up to $5 per ATM withdrawal outside of Canada and the U.S.
Up to $150 rebate on the annual fee for any BMO® World Elite®* Mastercard®*7,8
- BMO® World Elite®* Mastercard®*
- BMO® AIR MILES®† World Elite®* Mastercard®*
- BMO® CashBack® World Elite®* Mastercard®*
OnGuard®* Identity Theft Protection at no charge9,10
OnGuard scans underground and public websites on your behalf and alerts you if the personal information that you choose to have monitored is found online – including credit card and debit card numbers, passport numbers and your email address.
Your banking professional can assist you with personal lending services such as mortgages, loans and lines of credit.
1 The monthly bank plan fee can be eliminated by maintaining a minimum monthly balance of $6,000 at all times in a Primary Chequing account, which has been designated as the lead account for your Bank Plan. The lead
account is the one you designate to pay any fees required by your Bank Plan for example, monthly Plan fees and transaction fees. You are responsible for all transaction, service and product fees not included in the Bank Plan.
2 Banking services are provided by Bank of Montreal. 3 You can have up to twenty (20) Canadian or U.S. Dollar Primary Chequing, Premium Rate Savings or Interest Chequing Accounts (for existing customers only) excluding Smart
Saver Accounts and Savings Builder Account under one (1) Plan. One (1) account must be designated as the lead account. The lead account is the one you designate to pay any fees required by your Bank Plan, for example, your
monthly Plan fees and transaction fees. If you select a U.S. Dollar Account as the lead account, all Plan and transaction fees will be charged in U.S. dollars. All accounts covered by the Plan are subject to the monthly transaction
limit(s) for the selected Plan. 4 Includes everyday banking transactions at a BMO branch, BMO ATM, BMO Telephone, BMO Online and BMO Mobile, debit card purchase, cheques drawn on your account and Pre-Authorized
Payments. 5 The monthly Plan fee may still apply. Other transaction fees may apply if you have a Bank Plan that does not included unlimited everyday banking transactions. A cancellation fee may still apply when you cancel the
transaction. Interac e-Transfer transactions are subject to maximum transfer dollar amounts. 6 Some non-BMO ATMs may charge you a convenience fee. The convenience fee is not a BMO fee and is added to the total amount of
your withdrawal. You are responsible for the convenience fee that may be applied to your transaction. 7 Ongoing annual card fees are subject to change. 8 You will receive an annual credit card fee rebate up to $150 (the “Rebate”)
if you are the primary cardholder of a BMO World Elite, BMO AIR MILES World Elite, or BMO CashBack World Elite Mastercard card (each a “BMO Credit Card”) and an accountholder of the lead account with the Premium Plan. Limit
of one Rebate per Plan. If the lead account is joint, both accountholders have a BMO Credit Card, the Rebate will be applied to the BMO Credit Card with the higher annual fee. 9 Plan, transaction, service and product fees may
still apply. You’re eligible for OnGuard®* if you are a BMO customer who has a lead account* with one of the following Bank Plans: Performance Plan, Premium Plan or Employee Plan. In addition, to qualify for OnGuard®*, you
must be a Canadian resident who has reached the age of majority for your province or territory and you must have a valid email address on your BMO profile and your lead account must be in good standing. Customers with an
eligible Bank Plan with the Kids or Teens discounted banking program do not qualify for OnGuard®*. All accountholders of a lead account with an eligible Bank Plan qualify for OnGuard®* provided they meet the above eligibility
requirements. If you switch your lead account to an ineligible Bank Plan, then you will no longer qualify for the OnGuard®* service. 10 OnGuard®* retail value is $179.88 annually (charged at $14.99 per month). *The lead account
is the one you designate to pay any fees required by your Bank Plan, for example your monthly Plan fees and transaction fees. *OnGuard® is provided by Sigma Loyalty Group and Intersections Inc. Sigma Loyalty Group and
Intersections Inc. terms and conditions can be viewed at www.bmo.com/onguard/SLGconditions. *OnGuard® is a registered trademark of Sigma Loyalty Group Inc. Identity Guard® is a registered trademark of Intersections Inc.
11 Applies to purchases made outside of Canada on the Maestro Network. Other transaction or network fees may apply. 12 We and/or other financial institutions may charge additional fees for refunds or replacements of lost or
stolen money orders or drafts. The receiving financial institution may charge associated fees. Foreign currency drafts are subject to sanctions compliance regulations and payee names are screened against persons listed under
international sanctions. Depending on the result of that screening, a payee might not be able to cash a foreign currency draft. 13 Subject to availability. Please check with your local BMO branch for availability. The discount can be
applied to any size safety deposit box. Not all sizes are available at all BMO branches. 14 You can view, print and save from the previous three (3) months through BMO Online and BMO Tablet Banking. In the future, if you require
any copies of cheques that are no longer available online, you may request a copy at a BMO branch or by calling 1-877-225-5266. A per-item fee may apply. Cheques made payable to yourself or to cash, and cashed at any BMO
branch, may not be displayed but are described on your statement. 15 Cheque images are not available with eStatements 16 Preferred rate applies when you transfer funds between your Canadian and USD accounts (both ways,
up to US$5,000) in either BMO Online Banking or through the BMO Mobile App. 17 Interest will be calculated on the daily overdraft balance at prevailing overdraft interest rates and charged to the account on the last business day
of the month. ® Registered trademarks of Bank of Montreal, used under licence. ®* Mastercard, Cirrus and Maestro are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
Used under license by Bank of Montreal. ®§ Interac and Interac e-Transfer are registered trademarks of Interac Inc. Used under license by Bank of Montreal. ®++ 2017 Allpoint all rights reserved. ®† Trademark of AIR MILES
International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal. * BMO Private Wealth is a brand name for a business group consisting of Bank of Montreal and certain of its affiliates in providing
Private wealth management products and services. Not all products and services are offered by all legal entities within BMO Private Wealth. Banking services are offered through Bank of Montreal. Investment
management services are offered through BMO Nesbitt Burns Inc. and BMO Private Investment Counsel Inc. Estate, trust, and custodial services are offered through BMO Trust Company. BMO Nesbitt Burns Inc.
is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. ® Registered trademark of Bank of Montreal, used under license.