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#BMO200 - PackstallationI was looking up savings accounts for my kids to park all the birthday money they collect. The interest rate at BMO (bank I'm with) posts a % interest rate. If your child is 13 years old or younger, they can get a BMO kids account for $0 per month. If they are between 13 and 18 years old, they can. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may.