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?? BMO Checking Account Review: Weighing the Pros and ConsWe may offer higher interest rates when you are an Account Owner of both a BMO Relationship Checking Account and a. Relationship Plus Money Market Account. BMO Relationship Plus Money Market � BMO offers % APY automatically, with the opportunity to earn up to % APY after bundling the account with a BMO. While the Northern Bank Direct Money Market Account requires a much higher minimum opening deposit of $, the % APY could make that investment worth it.