BMO Bank $400, $750 $1000 Business Checking Bonus – Ends 1/28/26

Earn $400, $750 $1000 cash reward bonus from BMO when you open & use a qualifying BMO business checking account.

Update 9/11/25: The bonus has been increased to up to $1000 valid through 1/28/26.

Below is a breakdown of how to earn the bonus:

• Open a new BMO business checking account online or in branch between September 3, 2025 and January 28, 2026.
• To receive a $400 bonus: On day 30 after opening the new account, your account balance must be $4,000 or more. From days 31-90, you must maintain an account balance of $4,000 or more.
• To receive a $750 bonus: On day 30 after opening the new account, your account balance must be $25,000 or more. From days 31-90, you must maintain an account balance of $25,000 or more.
• To receive a $1,000 bonus: On day 30 after opening the new account, your account balance must be $50,000 or more. From days 31-90, you must maintain an account balance of $50,000 or more.

BMO $400, $750 $1000 Business Checking Bonus

• Learn More at BMO
• What you’ll get: $400, $750 $1000 bonus
• Account Type: Essential Business Checking or Business Advantage Checking
• Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
• Credit Inquiry: None
• Credit Card Funding: No
• Opening Deposit: Not listed
• Direct Deposit Requirement: No
• Monthly Fee: $15 – $20, waivable
• Household Limit: Limited to one per business entity
• Closing Account Fee: Must keep account open for 120 days to receive bonus

(Expires 01/26/2026)

Fine Print

• You can receive either a $400 cash bonus, a $750 cash bonus, or a $1,000 cash bonus. To take advantage of this offer, you must open your business checking account between September 3, 2025 and January 28, 2026. You can apply online or at a BMO branch. To apply online, visit bmo.com/businesscheckingoffer and select “OPEN NOW” for the checking account of your choice; we’ll automatically apply the promo code for you. Accounts opened online on January 28, 2026 must have their applications submitted prior to 9:00 p.m. CT. To apply at a branch, visit bmo.com/businesscheckingoffer, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.
• You are not eligible for the business checking cash bonus if you have an existing BMO business checking account or have closed a BMO business checking account within the past 12 months, using the same Taxpayer Identification Number (TIN)/Employer Identification Number (EIN)/Social Security Number (SSN) as the new account. Bonus may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or cancelled without notice at any time, cannot be combined with any other offer, and is limited to one cash bonus per business entity.
• You are only eligible for one business checking cash bonus; you cannot open multiple checking accounts and receive multiple cash bonuses. Day 1 is the day you open your account and begins the tracking period. If you open your account on a day other than a Business Day, Day 1 is the next Business Day. The cash bonus you qualify for will be deposited into the new checking account within 14 days of meeting the promotion requirements stated above, approximately Day 104. To receive the cash bonus, you must 1) meet the associated criteria for the respective offer mentioned above, 2) your checking account must be open, in good standing with a balance greater than zero on the day of payment, and 3) be either a BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account.
• The minimum deposit to open a business checking account is $100. For business checking account and fee information, including current interest rates for the variable rate BMO Elite Business Checking account, visit bmo.com or call 1-800-546-6101.

Bottom Line

Make sure you check out BMO to earn the business checking bonus promotion. Keep in mind that the offer may be extended, modified or discontinued at any time.

We value your feedback and will continue to keep you posted on the latest bank offers nationwide.

If you would like to see more, see our list of the latest BMO Promotions or check out our full list of business bank promotions.