1
Applies to the Teens and Students Discount Programs in the Plus Plan when
a Primary Chequing or Premium Rate Savings account is opened. Recent PostSecondary School Graduates are eligible for one year of free banking under
the Student Discount Program. Customer is responsible for all the fees of any
transactions, services and products not included in the Everyday Banking
Plan. 2 Savings of $119.40 per year equals a savings of $9.95 per month in Plan
fees X 12 months, for Students or Recent Graduates in a Plus, Performance or
Premium Bank Plan. 3 Ongoing interest rates, interest-free grace period, annual
fees and all other applicable fees are subject to change. See your branch, call
the Customer Contact Center at 1-800-263-2263, or visit bmo.com/mastercard
for current rates. 4 Award of CashBack rewards is made for purchases charged
to your account (less refunds) and is subject to the Terms and Conditions
of your BMO MasterCard Cardholder Agreement. The number of CashBack
rewards will be rounded down to the nearest whole number. Fractions of
CashBack rewards will not be awarded. 5 Award of AIR MILES reward miles is
made for purchases charged to your account (less refunds) and is subject to
BMO Student
Banking Package
®
the Terms and Conditions of your BMO MasterCard Cardholder Agreement.
The number of reward miles will be rounded down to the nearest whole
number. Fractions of reward miles will not be awarded. 6Purchase protection
and Extended Warranty Insurance benefits provided by Allianz Global Risks
US Insurance Company (Canadian Branch). 7If your card is used without your
authorization, you will not be liable if: you did not knowingly contribute to
the unauthorized use; you used reasonable care to keep your card safe from
loss, theft or misuse; you kept your PIN confidential and separate from your
card; you notify us by telephone within 24 hours if you learn of the loss, theft
Ask us for details or visit
bmo.com/students2013
or misuse of your card, or if you know or suspect that someone else knows
your PIN; there has not been more than one unauthorized use of your card in
the last 12 months, and your account is in good standing. If you don’t meet
these criteria, you will be liable for all charges incurred in connection with
the unauthorized use. 8 Approval and credit limit are subject to BMO Bank of
Montreal’s normal credit requirements. Must be a Canadian citizen or landed
Students can save over $250
a year * by banking with BMO.
immigrant enrolled in a Canadian or non-Canadian post-secondary school
or university. Co-signer may be required. Subject to credit availability and
verification of identity. Other conditions may apply. 9 Rates subject to change
with fluctuations of Bank of Montreal’s variable student personal line of
credit rate. 10Proof of eligibility required. For illustration purposes only. Actual
savings may vary and depend on individual monthly spending and discounts
offered by participating merchants. 11 Students with a BMO SPC MasterCard
will not receive a separate SPC Card and can take advantage of SPC Card
discounts by showing their BMO SPC MasterCard at participating merchants.
®
Registered trade-marks of Bank of Montreal.
®‡
Trademarks of AIR MILES
International Trading B.V. Used under license by LoyaltyOne, Inc. and Bank of
Montreal. ®† Registered trade-mark of Student Price Card. TM*/®*Trade-marks/
registered trade-marks of MasterCard International Incorporated. †iPhone®
and iPod touch ® are trademarks of Apple, Inc., registered in the U.S. and
other countries.
††
Research In Motion, RIM, the RIM logo, BlackBerry ®, the
BlackBerry ® logo, SureType and SurePress are registered with the U.S. Patent
and Trademark Office and may be pending or registered in other countries –
these and other marks of Research In Motion Limited are used under license.
TM
Android TM is a trademark of Google Inc.
5140512 (08/13)
Make the most of student life
Managing student finances
The BMO Student Banking Package is the ultimate student hook-up.
Students can save over $250 a year* by banking with BMO. From
exclusive deals and perks, to FREE banking1, your choice of rewards
and more, we’ll help you make the most of student life.
Stay on top of your money and reduce the stress of student life
with these easy-to-use tools:
• Mobile banking apps for iPhone , BlackBerry
and AndroidTM
enable you to bank on the go – anytime, anywhere.
†
• BMO Alerts help you stay on top of your account activity
Student Everyday Banking Plan
by alerting you to changes in your account via text or email.
You can customize them to alert you when:
• FREE banking with the Plus Plan1, a savings of up to $119.40 per year2
• An extra year of FREE banking after you graduate from University
- your account balance falls below a specified amount
or College1
• Includes 30 transactions each month
• FREE SPC Card
BMO SPC MasterCard *
• No annual fee3
• Earn 0.5% CashBack® on every card purchase4 or 1 AIR MILES®
®†
††
- there is a withdrawal or deposit greater than your
specified amounts
- your eStatement is available for viewing, so you know
when your credit card or line of credit payment is due
®
Student Price Card® (SPC Card)
• BMO Cash ATMs in hundreds of locations provide a fast and
†
‡
reward mile for every $20 in card purchases5
• Built-in FREE SPC Card benefits so there’s no need to buy an
SPC Card each year
• Extended Warranty & Purchase Protection6
• Zero Dollar Liability protects you from unauthorized card use7
Student Line of Credit8
• Apply once and have easy, ongoing access to funds throughout
your entire school program
• Easy repayment – interest-only option while a student
and for one year after graduation
• Low variable interest rate that does not increase after graduation9
• Line of Credit for Professionals and Medical Students is also available
(must be an accredited professional or medical education program)
Students get a free SPC Card each year with an Everyday
Banking Account, and the BMO SPC MasterCard has SPC Card
benefits built into the card. This means you’ll get exclusive deals like
10–15% off on fashion, dining, entertainment, lifestyle, travel and more,
at hundreds of retailers and restaurants across Canada. And you’ll get
additional, exclusive SPC Card deals and perks, only for BMO customers.
*Students can save over $250 a year by banking with BMO :
10
Student Everyday Banking Plan Fee Discount
($9.95 per month)
Free SPC Card ($9 per year, plus applicable sales tax)11
SPC Card discounts (assuming spend of $100 per month
at SPC Card merchants, with a 10% merchant discount)
Exclusive BMO SPC Card Merchant Offers
(based on average savings from one offer)
Total Savings
$119.40
$9.00
$120.00
$10.00
$258.40
Plus, with a BMO SPC MasterCard, you earn your choice of CashBack
rewards or AIR MILES reward miles!
convenient way to access your money. Find the nearest one
with the Branch/ATM Locator in our BMO Mobile Banking app.
• Online Banking gives you around-the-clock secure online
access to your accounts and allows you to do everything from
bill payments to money transfers.
• Online/Mobile Appointment Booking makes it easy to book
in-branch appointments online and from your phone 24/7.
• BMO MasterCard Mobile PayPassTM* Tag is a fast and
convenient way to pay using your mobile phone, making
small purchases hassle-free. Simply TAP & GOTM* and
you’re on your way!
• Student Budget Calculator helps you figure out how much
money you’ll need to cover your costs during the school year.
Check it out at bmo.com/studentbanking