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Open Checking Account in BMO Harris OnlineYou can apply online or at a BMO branch. To apply online, visit insurance-florida.org and select �OPEN NOW� for the checking account of your choice; we'. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask you to. Earn $ by opening a BMO Smart Money Checking or Smart Advantage Checking account and making qualifying deposits.