You can earn a $200 checking bonus when you open a new qualifying account with BMO Harris Bank Checking account with qualifying activities. Then add a Savings Builder to earn an additional $60 bonus ($5 reward every month).
To earn the BMO Harris checking bonus:
- Open a new BMO Harris Smart AdvantageTM Account and get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- Open a new BMO Harris Smart MoneyTM Account and get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- Bonus is credited directly to your checking account approximately 100 days after account opening.
- Open a new Savings Builder account and enjoy the benefit of earning a $5 reward every month you save $200 for the first year (earn up to $60 if you qualify for 12 months).
Table of Contents
BMO Harris Bank $200 Checking Bonus
- What you’ll get: $200 bonus + up to $60 in savings rewards
- Account Type: Smart AdvantageTM or Smart MoneyTM
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- Direct Deposit Requirement: Yes
- Credit Inquiry: Soft Pull
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0-$25, waivable.
- Early Account Termination Fee: None
Editor’s Note: If you have a higher direct deposit amount, you can open a new BMO Harris PremierTM Account and get a $350 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
How To Waive Monthly Fees
- BMO Harris Smart AdvantageTM: No monthly fees with paperless statements.
- BMO Harris Smart MoneyTM: No monthly maintenance fee if you’re under 25 years old, otherwise $5 monthly fee.
- BMO Harris PremierTM: The monthly maintenance fee for the Premier Account is $25. But we’ll waive the fee if you meet any of the following requirements:
- The minimum daily Ledger Balance in your account is $10,000 or more for the previous calendar month.
- You have a Monthly Combined Balance of $25,000 for the previous calendar month.
- You’re a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Banker.
- Accounts opened on the final day of the promotion must have their applications submitted and approved prior to 8:00 p.m. CT.
- You may open your account at a BMO Harris branch, online, or by calling 1-800-546-6101.
- Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months.
- Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes.
- You are responsible for any applicable taxes.
- Offer can be changed or canceled without notice at any time and cannot be combined with any other offer.
- Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid.
You’ll also have unlimited fee-free transactions at over 40,000 Allpoint network ATMS nationwide with a BMO Harris Checking account.