You can earn $300 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 $300 checking bonus:
- Open a new BMO Harris Smart AdvantageTM Account and get a $300 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 $300 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.
Plus
- 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 $300 Checking Bonus

- What you’ll get: $300 Checking + up to $60 Savings bonuses
- Account Type: Smart AdvantageTM or Smart MoneyTM
- Availability: Nationwide. Branches located in IL, WI, IN, KA, MI, MN, AZ, or FL
- Credit Inquiry: Soft Pull
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0
- Early Account Termination Fee: None
(Visit BMO Harris to learn more)
Editor’s Note: You can open a BMO Harris PremierTM account to earn $500 bonus. Full details here.
How To Waive Monthly Fees
- Smart AdvantageTM: No monthly fees with paperless statements.
- Smart MoneyTM: No monthly maintenance fee if you’re under 25 years old.
Fine Print
- Qualifying direct deposits are any paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency.
- If you choose to open an account at a branch, you’ll need to first receive a promo code by entering your email. If you open online, the promo code is automatically applied.
- Not available to existing personal checking customers, or to those who have closed a personal checking account within the past 12 months.
- You cannot combine this offer with any other personal checking welcome bonuses, but you can stack this with a savings account bonus.
Bottom Line
You’ll also have unlimited fee-free transactions at over 40,000 Allpoint network ATMS nationwide with BMO Harris Checking account.
If you would like to see more, see our list of the latest BMO Harris Promotions or check out our full list of best bank promotions.

I received this mailer. How many times can we use it? e.g. Can each of me, my spouse, my three children (16, 18, 21 years old) all get this bonus?
BMO doesn’t seem to be in WA. Please correct your info.