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How To Open BMO Harris Bank Account Online (2023) - BMO Harris Mobile Online Banking (Step By Step)Open a checking account online in 3 simple steps � Check that you're eligible � Apply in minutes � Verify your ID with a selfie. Have at least 10 electronic transactions post to the account within 90 days. 1. Deposit at least $5, in new money at account opening. 2. Maintain a minimum. BMO Bank's Savings Builder requires a $25 deposit to open. There is no monthly service fee. Interest rates for this account are low. Get a $5 reward for each.