BMO Harris Bank Up to $410 Checking & Savings Bonus

You can now earn a up to $410 checking & savings Bonus when you open a new qualifying account with BMO Harris.

Below is a breakdown of how to earn the bonus:

To earn the BMO Harris $200 checking bonus:

• To qualify for the bonus, open a new BMO Harris Smart Advantage^TM Account and have a total of at least $4,000 in qualifying direct deposits within the first 90 days.

To earn the BMO Harris $300 checking bonus:

• To qualify for the bonus, open a new BMO Harris Premier^TM account and have a total of at least $7,500 in qualifying direct deposits within the first 90 days.

To earn $5 per month (times 12 months = $60 bonus)

• Open a new Savings Builder account and enjoy the benefit of earning a $5 savings reward every month you save $200 or more for the first year. Must have a minimum deposit of at least $25.

BMO Harris Bank Up to $410 Checking & Savings Bonus

• Account Type: Smart Advantage^TM, Premier^TM Checking
• 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-$25; waive-able
• Closing Account Fee: Not listed

(Visit BMO Harris to learn more)

Bottom Line

Be sure to check out BMO Harris to earn the checking bonus promotion. Keep in mind that the offer may be extended, modified or discontinued at any time. If you reside in one of the participating states, then you should definitely take advantage of this promotion.

Feel free to leave your feedback in the comments below. We will continue to update you with the latest bank offers nationwide. 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.

Deposits Disclosures:
To take advantage of the checking offer, you must open your account between February 1, 2022 and June 3, 2022 and use the checking promo code. 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. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by June 3, 2022. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris 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.
Checking Offer: Get up to a $350 cash bonus when you open a new BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account, or BMO Harris Premier™ Account and have qualifying direct deposits of a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency. We reserve the right to request documentation that the direct deposits qualify.
1) Get a $200 cash bonus when you open a new Smart Money or Smart Advantage account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening.
OR
2) Get a $350 cash bonus when you open a new Premier Account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening.
You are only eligible for one 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 checking account type you have on Day 90 will determine which cash bonus you are eligible for. In order to receive the cash bonus, you must meet the associated criteria for that account. Cash bonus is paid into the checking account approximately 100 days after account opening.
Savings Builder: For every month your Savings Builder account balance grows by at least $200, we will credit the account with a $5 savings reward within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare the Ledger Balance on the last Business Day of the previous month to the Ledger Balance on the last Business Day of the current month. Interest and savings reward payments will not count towards your balance growth.
Your account is eligible for 12 savings rewards beginning with the month your account is opened. The first savings reward is based on your savings growth from the Business Day the account is opened through the last Business Day of that month. If your initial deposit is not received until the month after the account opening, the account will only be eligible for 11 savings rewards.
Your account must be open when the savings rewards are paid. Savings rewards will be reported to the IRS for tax purposes and you are responsible for any applicable taxes.
Exclusions:
Savings rewards are available for new accounts only. An account switched into Savings Builder from a different product is not eligible for savings rewards.
Savings rewards are limited to one Savings Builder account per customer as the Primary Account Owner. Only your first account opened is eligible for savings rewards.
You are not eligible to receive savings rewards if you have previously opened a Statement Savings account between February 3, 2020 and October 18, 2021 and participated in the Statement Savings account – Savings Rewards offer.
Minimum opening deposit of $25 is required for BMO Harris personal checking and Savings Builder accounts. BMO Harris Premier™ Account and Savings Builder are variable rate accounts. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs for BMO Harris Premier™ Account are effective as of February 1, 2022 and are subject to change at our discretion at any time: 0.01% for all balances. The following collected balance tiers and corresponding APYs for Savings Builder are effective as of February 1, 2022 and are subject to change at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier in order to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmoharris.com.
Accounts with zero balance may be closed.
$2 monthly fee for paper statements and $3 monthly fee for check images are waived when you select paperless statements in BMO Digital Banking.
Items that overdraw the account are returned and ATM/everyday debit card transactions are declined.
To access the benefits in a particular Relationship Package, you must have a BMO Harris Premier Account. See the Deposit Account Disclosure for details.
No BMO Harris fee; however, the ATM operator or network may charge you a surcharge fee for a transaction or balance inquiry.
Rebate of up to $25 per statement period on ATM surcharge fees charged by other banks, and more.
Please visit www.fdic.gov for current deposit insurance limits.
If you make an Internal Transfer on a weekend or holiday, we’ll credit the payment the same day, but we’ll post the payment on the next Business Day.
Message and data rates may apply. Contact your wireless carrier for details.
Mobile Deposit is available using the BMO Banking App. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO Harris account opened for more than 5 calendar days.
Deposits are not immediately available for withdrawal. For details, please see the BMO Digital Banking Agreement found at bmoharris.com/legal.
Enroll in BMO Digital Banking today to use bill payment services. Visit BMO Digital Banking and clicking the Payments tab, then the Enroll button to get started.
Accounts are subject to approval. BMO Harris Bank N.A. Member FDIC.