Find new BMO Harris Bank promotions, bonuses, and offers here.
Currently, BMO Harris Bank is offering $60, $200, $250, $350, $400 bonuses with a new Checking, Savings Account, or business checking.
Table of Contents
- 1 About BMO Harris Bank Promotions
- 2 BMO Harris Premier™ Account $350 Cash Bonus
- 3 BMO Harris Smart Advantage™ Account $200 Cash Bonus
- 4 BMO Harris Smart Money™ Account $200 Cash Bonus
- 5 BMO Harris Bank Savings Builder (Up to $60 in Rewards)
- 6 BMO Harris $250 or $400 Business Checking Bonus
- 7 Bottom Line
About BMO Harris Bank Promotions
Established in 1882, BMO Harris has over 600 locations throughout Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota, and Wisconsin. They are the 2nd largest bank in the State of Illinois where they are headquartered(Chicago). BMO Harris Bank offers a variety of checking and savings accounts, including Money Market, CD, and IRA products.
For their checking accounts, BMO expands its reach by joining the Allpoint ATM network, which gives you access to about 40,000 fee-free ATMs. They also offer online and mobile tools to help you take care of most banking tasks without needing to go in-branch.
I’ll review BMO Harris Bank promotions below.
BMO Harris Premier™ Account $350 Cash Bonus
- What you’ll get: $350 bonus
- Account Type: Premier CheckingTM Account
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI (Bank Locator)
- Direct Deposit Requirement: Yes, $7500+
- Credit Inquiry: None
- ChexSystem: Yes
- Credit Card Funding: Cannot fund with credit card
- Monthly Fees: $25, avoidable
- Household Limit: None
(Expires 01/06/2023)
How To Earn Bonus
HOW TO EARN THE BONUSWAIVE THE MONTHLY FEE
- $350 Bonus:
- 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
- BMO Harris PremierTM Account
- $25 Monthly Maintenance Fee waived when you have one of the following: $10,000 minimum daily balance, $25,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account
BMO Harris Smart Advantage™ Account $200 Cash Bonus
- What you’ll get: $200 bonus
- Account Type: Smart AdvantageTM Account
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- Direct Deposit Requirement: Yes, $4000+
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0
- Early Account Termination Fee: None
(Expires 01/06/2023)
How To Earn Bonus
HOW TO EARN THE BONUSWAIVE THE MONTHLY FEE
- $200 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.
- BMO Harris Smart AdvantageTM Account
- No minimum balance and no monthly fees with eStatements.
BMO Harris Smart Money™ Account $200 Cash Bonus
- What you’ll get: $200 bonus
- Account Type: Smart MoneyTM Account
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- Direct Deposit Requirement: Yes, $4000+
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0 or $5, waivable.
- Early Account Termination Fee: None
(Expires 01/06/2023)
How To Earn Bonus
HOW TO EARN THE BONUSWAIVE THE MONTHLY FEE
- $200 Bonus:
- 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.
- BMO Harris Smart MoneyTM Account
- No monthly maintenance fee if you’re under 25 years old, otherwise $5 monthly fee
BMO Harris Bank Savings Builder (Up to $60 in Rewards)
- What you’ll get: Up to $60 in rewards
- Account Type: Savings Builder Account
- Availability: Nationwide
- Direct Deposit Requirement: No
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: None
- Early Account Termination Fee: Your account must be open, in good standing and must have a balance greater than zero when the bonus is paid approximately 120 days after opening
- Household Limit: None listed
(No Expiration Date)
How to Earn Bonus
EARN THE BONUSWAIVE THE MONTHLY FEEFINE PRINT
- To earn $5 monthly savings reward (times 12 months = $60 in savings rewards)
- Open a new Savings Builder account and enjoy the benefit of earning a $5 savings reward every month you grow your balance by $200 or more for the first year. Exclusions apply. Must have a minimum deposit of at least $25.
- Savings Builder Account: No monthly maintenance fee
- 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 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 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.
BMO Harris $250 or $400 Business Checking Bonus
- What you’ll get: $250, or $400 bonus
- Account Type: Business checking
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- Direct Deposit Requirement: No
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: None
- Early Account Termination Fee: Your account must be open, in good standing and must have a balance greater than zero when the bonus is paid approximately 120 days after opening
- Household Limit: None listed
(Expires 01/31/2023)
How to Earn Bonus
EARN THE BONUSWAIVE THE MONTHLY FEEFINE PRINT
- Open a new BMO business checking account online or in branch between November 1, 2022 and January 31, 2023.
- Get $250 when you maintain an Average Collected Balance of $5,000 for 120 days.
- Get $400 when you maintain an Average Collected Balance of $10,000 for 120 days.
- Make 10 qualifying transactions within 120 days of opening your account.
- Essential Business Checking: Waive $15 monthly maintenance fee with $1,500 or more Average Collected Balance for the statement period
- Business Advantage Checking: Waive $20 monthly maintenance fee with $5,000 or more Average Collected Balance OR $15,000 or more Combined Balance for the statement period
- How to get a business checking bonus: You can receive either the $250 bonus or the $400 bonus. You can apply online or at a BMO Harris branch. To apply online, click Open Now for the checking account of your choice above and we’ll automatically apply the promo code for you. Before you apply at a branch, enter your information, and click “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.
- You are not eligible for the business checking bonus if you have an existing BMO Harris business checking account, or, have a closed a BMO Harris 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 will 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 bonus per business entity.
- 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 bmoharris.com or call 1-800-546-6101.
- You are only eligible for one business checking bonus. 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 bonus you qualify for will be deposited into the new checking account within 14 days of meeting the respective promotion requirements stated above, approximately Day 135.
- In order to receive the bonus, you must 1) meet the associated criteria for the respective offer mentioned above, 2) your checking account must be in an open status and 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.
- Accounts are subject to approval and are provided in the United States by BMO Harris Bank N.A. Member FDIC
Bottom Line
The current promotions at BMO Harris are definitely worthwhile.
BMO Harris Bank offers an array of products for deposit accounts, including Checking, Savings, Money Market, CD, and IRA products. Be sure to check out our full list of Bank Rates here and CD Rates here.
Compare BMO Harris Promotions with other bank bonuses from Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
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This is the worst bank they lie to you all the time, I called the first time to get my bonus they told me to wait 10 more days, now they say is 120 days.and I told the manager why the promotion says 90 days and thats what the first person told me.
I have also experienced this garbage with BMO. We signed up my kids for two different promos, $50 for 20 debit card transactions and $100 for $1000 in direct deposit in August. It’s March and nothing, after numerous calls. Now they say their banker was wrong when setting them up and they don’t have any record of the $100 promo but escalated the $50, in the hopes we’ll still get that. I’m so angry!
I received an email but was never sent a code. Contacted my banker and she said dont open account on line get a code?? how do i do that?
marked as “NATIONWIDE” but is not
website says “1 In order to be eligible for this offer, you must reside in Illinois, Wisconsin, Minnesota, Indiana, Arizona, Florida, Kansas, or Missouri”
Opened a account was promised the 250 bonus never received it have direct deposit too
I have spoke to branch manger but no help its been months.cant some one help???
I opened Smart Advantage checking account with BMO Harris by clicking one of their ads at the end of April 2019. I fulfilled each and every condition within set timeframes.
They have not deposited the bonus they promised. $300.
Their customer service, if you can reach them after 30 minutes wait, is horrible. Those people yell at you, very rude with you.
Corporate customer service is no better. They lie, cheat and still not honor their word for bonus.
I wish I knew how awful this bank was before opening my account…
Within 150 days of account opening, you must have a total of $3,000 or more each month in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. THIS account requires $3,000 x 5 months for a total of $15,000 in direct deposits.
Your website shows that Discover ACH is accepted by BMO Harris as a direct deposit… After arguing with them both in person and by email, no luck…what gives?
Everything is YMMV. It may work before. Maybe not anymore.
You state that the $500 offer is good thru 7/31/19, but the BMO website says it expires 6/30/19. Do you have another link to an offer that’s good thru 7/31/19?
Same thing happened to me with BMO harris! They should be ranked right up there with Wells Fargo! I was one of the Lucky people to get their Targeted $300 bonus offer in the Mail. Mail offer with code especially for me. However, after meeting all the requirements no bonus. The personal banker that helped me open the account even tried to escalate the matter with her Branch Manager, who Emailed the Marketing department that targets and sends out these offers. SHAME ON YOU BMO! I will be closing the account. I will say that I did get my Bonus From Chase when I opened an account there 4 years ago now. I recommend going to Chase for their bonus.
It happend to my son, who opened the account in October 2018.. Do you have the offer. What were the requirements? We got the offer during opening his account. It looked how he would fulfill all the requirements easily, and he did. But then later when he called, he was told that he didn’t meet the requirements which were different then the ones we were told (I was with him at the time of opening the accout).
opened checking and saving accounts but never got 200 and 300 for opening accounts
speak to branch. the banker might not have placed the promo code into their system when they opened the account. All they have to do is call their operations unit, place an investigation, and as long as you met the terms of the promotion you will get the bonus in about 10 business days. Also, if you read the terms and conditions; it says you will get the bonus 120 DAYS from account opening AND MEETING the requirements.