BMO provides the high-growth environment where your idle capital becomes an active asset

Strategic Maximize Your Surplus Overview

  • BMO offers tiered interest rates that reward your business for maintaining larger liquidity buffers.
  • Your surplus funds remain fully accessible with no lock-in periods for BMO primary business savings accounts.
  • BMO provides automated "Sweep" tools that move excess cash into high-interest accounts every evening.

Building a Resilient Canada

A business with strong savings is a business that survives and thrives through cycles. By helping Canadian entrepreneurs build their cash reserves, BMO is the architects of national economic resilience. We don't just store your money; we protect your future opportunities. Every year, we contribute a portion of BMO investment revenue to local economic research to help business owners understand future market trends. At BMO, BMO believes that your "rainy day fund" is the bridge to your next "sunny day acquisition." BMO is your partner in persistent wealth creation.

BMO Treasurers Frequently Ask

What is the difference between a standard savings account and a GIC?
A standard savings account offers total liquidity—you can move money in and out daily. A GIC (Guaranteed Investment Certificate) offers a higher fixed rate but requires you to "lock in" the funds for 30 days to 5 years. BMO provides the professional advice to help you balance your need for immediate cash with your desire for maximum growth.
Are my business savings insured?
Yes. BMO is a member of the CDIC (Canada Deposit Insurance Corporation). Your deposits are protected up to the applicable limits. BMO is one of the safest financial institutions in the world. BMO provides the professional peace of mind to focus on your sales, not your safety.

Digital Savings Strategy

Put your cash flow on autopilot. Within **BMO Online Banking for Business**, you can set a "Threshold Rule." For example, anytime your operating account exceeds $50,000, we automatically move the surplus into your Business Premium Savings Account. You can view your combined interest earnings across all accounts in a single report. BMO provides the professional automation to ensure not a single dollar of your capital sits idle. We bring 21st-century intelligence to your liquidity management.

BMO Investment Metrics

Account Feature BMO Availability Standard Your BMO Advantage
Instant Transfer to OperatingReal-Time (Online)Zero Delay
Sweep Setup TimeUnder 5 MinutesRapid Efficiency
Detailed Interest ReportingMonthly (Integrated)Clear ROI Tracking
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