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BMO HARRIS BANK : Test \u0026 Review in 2024 (is this bank reliable?)We do not charge an Overdraft Fee if your account is overdrawn by $50 or less at the close of the Business Day, footnote 6, terms and conditions6 that the item. We will not charge you an Overdraft Fee if: � The amount of the item is less than or equal to $5;. � Your account is overdrawn by $50 or less at the close of. The $ billion-asset unit of Bank of Montreal said in a press release Thursday that it will eliminate overdraft transfer fees on July 12 and do away with NSF.