BMO vs Chase
BMO is a midwest bank with options for low and high-balance customers. How does it compare to Chase? Read our comparison chart below.
BMO has over 900 branches and is the 8th largest bank in North America by assets. Smart Advantage checking has no fee and no minimum balance if you opt for eStatements. Savings need just $100 to open with easy ways to waive fees. Special Rate CDs require a $5,000 minimum opening deposit.
While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.
Compare BMO with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Visit Site | |
BMO | Chase | |
|---|---|---|
BMO Smart Advantage Checking account - Earn $400 Cash Bonus* - | Chase Bank $300 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. |
|
| CD | 0.05% - 3.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking | Smart Advantage, Smart Money, Relationship |
|
| Money Market | Up to 2.68% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | ||
| Customer Service | Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm | Automated service available 24/7 |
| IRA CD | 0.05% - 1.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit | |
| IRA Money Market | IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |   | |
| CD | | |
| Checking | | |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Midwest bank with options for low and high-balance customers... | National bank with good promotions for new customers... |
| Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BMO: Pricing information from published website as of 05/09/2025 based on 60603 zip code. Chase: Pricing information and data points from published website as of 05/08/2025. | ||
BMO Smart Advantage Checking account - Earn $400 Cash Bonus*
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
BMO Smart Money Checking account - Earn $400 Cash Bonus*
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
- Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
- Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account.
- Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Associate Debit and Employee Deposit Cards available upon request
Which is Better: BMO or Chase?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing BMO or Bank of America.
In short: BMO's cd is notable.
Articles on BMO
BMO Review
BMO offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on.
BMO Routing Number
If you have a BMO account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.
BMO Checking Account Bonus & Promotions
BMO rolls out enticing checking offers from time to time to attract new customers. Find the latest bonus deals here.
Who Owns BMO
BMO is a publicly-traded company with significant institutional investors. These include several well-known Canadian asset management firms and banks.
Is BMO an Ethical Bank
BMO has been recognized as one of the World's Most Ethical Companies for six consecutive years. How did they earn this award? Find out.
BMO Relationship Minimum Balance
Get more perks when you open a BMO Relationship Checking Account. Find out the balance you need to reach to unlock them.
Is BMO a Good Bank
Is BMO a good choice for your banking needs? Find out here.
Is BMO a Safe Bank
Wondering about the security of your funds with BMO? They have a Financial Crimes Unit backing you up, for one. Read on for more details.
What is BMO
BMO Harris is now BMO. But are they a legit bank? Find out if you should bank with them.
BMO Smart Advantage vs Smart Money
BMO's Smart Advantage has $0 monthly fees. Smart Money has no overdraft fees. Which one is a smarter choice? Read on to find out.
Is BMO a Real Bank
BMO, is a U.S bank, part of the Bank of Montreal. It offers solid basic checking options and a large ATM network. But, is it legit? Read on to find out.
Articles on Chase
Chase Reviews
Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.
Chase Open Account
Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.
Chase Business Checking Promotion
Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.
Chase Business Complete Banking Review
Is Chase Business Complete Banking the right choice for you? Here are the benefits and fees you need to know.
How to Open a Chase Business Bank Account
Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.
Chase Routing Number
What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).
Chase Private Client vs Sapphire Banking
What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.
Chase $600 Bonus
Curious about scoring $600 from Chase? Read on to find out how to qualify and claim a $600 Chase bonus.
Does Chase Have a High Yield Savings
Curious if Chase offers a high-yield savings account? Read on to find out.
Which Do You Think is Best?
Which Bank Account is Right for You?
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