Big Bank
BMO Fees
BMO charges $10/mo for basic business checking with a 200-transaction limit. Holdings charges $0 with unlimited transactions and 1.75% APY.
Fee Breakdown
$10/mo
Monthly Fee
Free
ATM Fee
$15
Domestic Wire
Free
International Wire
$35
Overdraft Fee
N/A
Foreign Tx Fee
💡 Fee waiver: None
Details
ATM NetworkBank ATMs
APY0.01%
Free Checks❌
Mobile Deposit✅
Zelle✅
✅ Pros
- • Established big bank
- • Wide branch network
❌ Cons
- • Monthly fees may apply
BMO vs Holdings
| Fee | BMO | Holdings |
|---|---|---|
| Monthly Fee | $10 | Free |
| ATM Fee | Free | Free |
| Domestic Wire | $15 | Free |
| Overdraft | $35 | $0 |
| Foreign Tx | N/A | 0% |
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Holdings: $0 monthly, $0 ATM, $0 wires, $0 overdraft. Plus bookkeeping and ops built in.
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