BMO Bank Promotions of July 2025: $400, $750 Checking, Business Bonuses (Nationwide) – Ends 9/8/25

Open a new BMO Smart Advantage Checking Account and get a $400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 – 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC

• BMO Smart Advantage Checking account
  • No minimum balance and no monthly fees with eStatements.

Open a new BMO Smart Money Checking Account and get a $400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 – 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC

• BMO Smart Money Checking account
  • No monthly maintenance fee if you’re under 25 years old, otherwise $5 monthly fee

• Open a new BMO business checking account online or in branch.
• To receive a $300 bonus: By day 30 after opening the new account, your account balance must be $4,000-$24,999.99. From days 31-90, you must maintain an account balance of $4,000 or more.
• To receive a $750 bonus: By day 30 after opening the new account, your account balance must be $25,000 or more. From days 31-90, you must maintain an account balance of $25,000 or more.

• 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 a $350 cash bonus or a $750 cash bonus. To take advantage of this offer, you must open your business checking account between May 1, 2025 and September 2, 2025. You can apply online or at a BMO branch. To apply online, visit bmo.com/businesscheckingoffer and select “OPEN NOW” for the checking account of your choice; we’ll automatically apply the promo code for you. Accounts opened online on September 2, 2025 must have their applications submitted prior to 9:00 p.m. CT. To apply at a branch, visit bmo.com/businesscheckingoffer, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.
• You are not eligible for the business checking cash bonus if you have an existing BMO business checking account or have closed a BMO 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 may 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.
• On Day 30, the balance of your account will determine if you are eligible to receive the Tier 1 cash bonus offer of $350 or the Tier 2 cash bonus offer of $750. To receive a cash bonus, you must maintain the minimum daily balance requirement in your business checking account for the assigned cash bonus tier from Day 31 through Day 90 ($4,000 or $25,000). If the balance in your business checking account drops below the assigned tier minimum between Day 31 and Day 90, you will be paid the cash bonus of the lower bonus tier your balance drops to. If the balance in your business checking account goes above the assigned bonus tier maximum between Day 31 and Day 90, you will not be paid a higher cash bonus.
• Example: On Day 30, you are in Tier 2 for the $750 cash bonus. If your balance from Day 31 through Day 90 remains at or above $25,000, you will be paid the $750 cash bonus. If your balance drops below $25,000 on any day from Day 31 through Day 90, but remains at or above $4,000, you will be paid the $350 cash bonus.
• You are only eligible for one business 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 cash bonus you qualify for will be deposited into the new checking account within 14 days of meeting the promotion requirements stated above, approximately Day 104. To receive the cash bonus, you must 1) meet the associated criteria for the respective offer mentioned above, 2) your checking account must be open, 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.
• 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 bmo.com or call 1-800-546-6101.
• Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC

• 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.

Open a new BMO Relationship Checking Account and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.

Plus, get a $100 digital gift card when you meet with a BMO banker to discuss your financial priorities after opening your account online. Combine the cash bonus and the gift card to maximize your rewards.

• BMO Relationship Checking 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 Financial Advisors, Inc. investment account

• To take advantage of the new personal checking account cash bonus offer, you must open your account between May 4, 2024 and Sept. 9, 2024 and use the promo code. You may open your account at a BMO branch, online, or by calling 1-800-546-6101.
• To apply online for a checking account, click through to the landing page, select “OPEN NOW” for the checking account of your choice and we’ll automatically apply the promo code for you.
• To apply at a branch or by phone for a checking account, click through to the landing page, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account(s).
• Accounts opened online on the final day of the promotion must have their applications submitted and approved prior to 9:00 p.m. CT. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by Sept. 9, 2024.
• Offer is limited to one per customer and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal checking customers (including trustees and signers on joint accounts) or those who have closed a BMO or Bank of the West personal checking account within the past 12 months. Cash bonus will be reported to the IRS for tax purposes and 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. If your balance is zero we may close your account. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid.
• You are only eligible for one checking account cash bonus; you cannot open multiple checking accounts and receive multiple cash bonuses. The promo code is applied to the first checking account that is opened between May 4, 2024 and Sept. 9, 2024. 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. 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.