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- You can open a BMO Harris (Member FDIC) bank account at one of over 500 branches in nine states, or online from around the US.
- BMO Harris is a good brick-and-mortar bank, but if you’re looking to bank online, you’re better off with an online-only bank that pays higher rates.
- The bank pays higher CD rates than most brick-and-mortar banks, but you’ll need $5,000 to open an account.
- See Business Insider’s picks for the best CD rates »
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