I've been a BMO customer for many, many years. This bank does nothing for you, but take your money and spit in your face, disgusting. With many other banks, offer maybe, a 2 day early pay check or a credit card or SOMETHING! Not this bank, instead they fight you for every last penny in your account and then they put your account overdraft. Instead of helping you build your credit they find a way to keep your the same no matter how long you've been a customer for, it's actually very sad!