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Set up Digital Banking on your desktop or mobile device � or both! � and start banking any time, anywhere in Canada. Get registered in minutes! Open a BMO Smart Advantage checking account and pay no monthly fee with eStatements. Apply online in 5 minutes or less to our most popular account! Relationship Plus Money Market � $10 monthly maintenance fee, waived with a $5, minimum daily balance � You may get higher interest rates when you also have.