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How Do I Increase My BMO Credit Card Limit?You'll pay no annual fee and no fee for purchases. Plus, you get unlimited fee-free transactions at over 40, BMO and Allpoint�registered trademark ATMs. All other withdrawals and transfers are limited to a combined total of 6 per month or monthly statement period. A $15 transaction limitation fee. Opt-in (Overdraft. Program for ATM and. Everyday Debit Card. Transactions). $15 Overdraft Fee per. Item; No more than three. Overdraft Fees will be charged per.