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BMO Harris Bank Credit Cards - Worth A Road Trip?$ Best Free Checking Account; BMO Harris offers Allpoint� ATM access. Compare Offers. Learn more Best for Students: Chase Bank. Chase Total. Chase charges a higher overdraft fee than BMO, too. Chase also offers sign-up bonuses on several accounts � you could earn up to $3, Chase Bank is the consumer banking division of JPMorgan Chase. It currently has more than 4, branches and more than 16, ATMs. Chase has.