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How To Open BMO Harris Bank Account Online 2024BMO Harris Platinum money market account offers an APY starting at % and ranging up to % (APY stands for annual percentage yield, rates may change). BMO Harris Premier� Account. APY, %. Minimum balance to open, $25 % (Premier checking account customers are eligible for a rate. BMO Smart Money Checking Earn a $ cash bonus footnote 11 when you have a total of at least $4, in qualifying direct deposits within the first 90 days.