Find new BMO Harris Bank promotions, bonuses, and offers here.
Currently, BMO Harris Bank is offering $200, $300, $400, or $500 bonus with a new Checking and Savings Account.
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About BMO Harris Bank Promotions Review
Established in 1947, 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). However, if you are not located near a branch, check out our full list of bank promotions for all your banking needs.
- Availability: Nationwide. Branches located in IL, WI, IN, KA, MI, MN, AZ, or FL (Bank Locator)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Cannot fund with credit card
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, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
BMO Harris Premier™ Account $350 Cash Bonus
You can earn a $350 cash bonus when you open a qualifying checking account with BMO Harris Bank.
- What you’ll get: $350 bonus
- Account Type: Premier CheckingTM
- Availability: Nationwide. Branches located in IL, WI, IN, KA, MI, MN, AZ, or FL
(Visit BMO Harris to learn more)
How To Earn Bonus
- $350 Bonus:
- Open a BMO Harris Premier™ 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
- $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.
- 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
You can earn a $200 cash bonus when you open a qualifying checking account with BMO Harris Bank.
- What you’ll get: $200 cash bonus
- Account Type: Smart AdvantageTM
- Availability: Nationwide. Branches located in IL, WI, IN, KA, MI, MN, AZ, or FL
(Visit BMO Harris to learn more)
How To Earn Bonus
- $200 Bonus:
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Open a 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
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- $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.
- BMO Harris Smart AdvantageTM Account
- No minimum balance and no monthly fees with eStatements.
BMO Harris Smart Money™ Account $200 Cash Bonus
You can earn a $200 cash bonus when you open a qualifying checking account with BMO Harris Bank.
- What you’ll get: $200, or $350 bonus
- Account Type: Smart MoneyTM
- Availability: Nationwide. Branches located in IL, WI, IN, KA, MI, MN, AZ, or FL
(Visit BMO Harris to learn more)
How To Earn Bonus
- $200 Bonus:
- Open a 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
- $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.
- BMO Harris Smart MoneyTM Account
- No monthly maintenance fee if you’re under 25 years old
BMO Harris Bank $250 or $400 Business Checking Bonus
BMO Harris Bank is offering business owners can take advantage of a $250 or a $400 bonus with a new Business Checking Account.
- What you’ll get: $250, or $400 bonus
- Account Type: Business checking
- Availability: Nationwide. Branches located in IL, WI, IN, KA, MI, MN, AZ, or FL
(Expires May 31, 2022)
| For other business checking accounts, take a look at our Chase Business Checking ($300 Bonus), Huntington Unlimited Plus Business Checking ($750 Bonus), Huntington Unlimited Business Checking ($400 Bonus), as well as the Huntington Business Checking 100 ($200 Bonus). |
How to Earn Bonus
- To receive the $250 checking bonus:
- Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account between February 1, 2022 and May 31, 2022.
- By Day 31 your balance must be $5,000 and it cannot drop below $5,000 for the next 90 days.
- Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of: ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions.
- To receive the $400 checking bonus:
- Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account between February 1, 2022 and May 31, 2022.
- By Day 31 your balance must be $10,000 and it cannot drop below $10,000 for the next 90 days.
- Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of: ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions.
- 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
- 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/Employer Identification Number/Social Security Number 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 per business entity.
- The minimum deposit to open a business checking account is $100, however, to receive the bonus you must meet the applicable balance requirement as stated below. 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.
BMO Harris Bank Up to $60 Savings Bonus
BMO Harris Up to $60 Savings Bonus
BMO Harris Bank is offering their customers an opportunity to take advantage of a up to $60 Savings Bonus with a Savings Account.
- What you’ll get: $60 bonus
- Account Type: Statement Savings Account
- Availability: Nationwide. Branches located in IL, WI, IN, KA, MI, MN, AZ, or FL
(No Expiration Date Listed)
| Compare this savings account to alternatives like Aspiration Spend & Save Account ($150 Bonus + 1.00% APY), Discover Bank Savings Account ($200 Bonus + 0.50% APY), Axos Bank High Yield Savings (0.61% APY), Quontic Bank High Yield Savings (0.65% APY), and American Express High Yield Savings (0.50% APY). |
How to Earn Bonus
- Receive Up to $60 Savings Bonus:
- For every month your Savings Builder account balance grows by at least $200, you will receive a $5 savings reward within 5 calendar days after the end of the month.
- Statement Savings Account: No monthly maintenance fee
- 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
- 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.
Bottom Line
The current promotions at BMO Harris are definitely worthwhile.
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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.
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.