Bmo overdraft rules

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BMO Savings Amplifier and Savings Goals
You are subject to overdraft fees on up to three transactions per day, for a maximum of $45 in daily fees. (BMO Harris does offer checking. (No more than three Overdraft Fees will be charged per Business Day). You will be charged an Overdraft Fee for each Item we pay when your Account is overdrawn. If the item is an ATM or everyday debit card transaction, you will not be charged the Overdraft Fee if you have not authorized us to use our discretion to pay.