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The letter of credit is the instrument through which payment is effected and is intended to be drawn. As a Preferred SBA Lender, BMO Harris can process your. With its BMO Harris Mobile Cash option, you can use your mobile banking app to withdraw funds from most BMO Harris ATMs without your debit card. Annual Fee. None. Late Payment Fee. $ Returned Payment Fee. $ Cash Advance Fee. Either $10 or 5% of the amount of each cash advance, whichever is.