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BMO Says Housing Market Will Continue To CrashBMO Bank of Montreal foreign currency account basics ; Free banking, Yes, subject to minimum account balance? ; Card, BMO Debit Card, Maestro network ; Transaction. All withdrawals from the Multicurrency Account must be by non-check fund transfers such as international wires or, by special arrangement, foreign currency. Canadian multinational Bank of Montreal has a subsidiary bank called BMO Harris in the United States. BMO Harris Bank is run by its CEO, Dave Casper.