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How do I use Zelle with credit union?Ryan Harris is a Premier Banker with 14 years of financial services experience. He helps clients take a comprehensive, holistic, and strategic approach to. BMO Harris Platinum money market account offers an APY starting at % and ranging up to % (APY stands for annual percentage yield, rates may change). Our Premier Share Draft Checking accounts allow you to earn a higher interest rate than our standard checking accounts. It also includes unlimited check writing.