If you often flirt with overdrafts however, the BMO Smart Money Checking account could be a better choice. It doesn’t charge overdraft fees, though you will be on the hook for a monthly charge ...

If you don't live near a branch, you can open accounts online from anywhere in the U.S. Your money is FDIC insured for up to $250,000, or $500,000 if you have a joint account. BMO has received an ...