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Ya I decided to open that account with the BMO crooks! Guess what they did.
I applied for the account online and had to go into the branch to complete opening it. I went in a few days later and made the deposit over $3000 to get the bonus 50 for minimum balance. I noticed that they so kindly decided to take out the $14.95 when I applied for the account and never even went to the branch. I had no account number or card. So the account had -$14.95 before i even had access to it. So I didn't get my bonus 50 miles, because it had a negative balance for a few days, then these crooks decided to charge me 3 cents interest. Examples like this is how these crooked banksters make their billions!
Complain to BMO. They'll correct it.