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BUILDING A LEVEL #2! (we did good last stream, lets keep it up!Avoid overdraft fees with a BMO Smart Money Checking account. Our low monthly fee checking account gives you peace of mind with no Overdraft fees. BMO has done this to me, too. They have charged me close to $ over the course of three very rough months when I was extremely sick and. My Bank account has been charged 48$, in what i assume is an insufficient funds charge. I need to have this money reimbursed.