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BMO HARRIS BANK : Test \u0026 Review in 2024 (is this bank reliable?)(No more than three Overdraft Fees will be charged per Business Day). You will be charged an Overdraft Fee for each Item we pay when your Account is overdrawn. No fee for overdraft protection transfers. Earns a small amount of interest. BMO Bank Checking vs. Other Accounts. BMO Smart MoneyTM. No overdraft fees. Free overdraft protection transfers from linked Alliant accounts. Courtesy Pay overdraft coverage for eligible customers.