Find new BMO Harris promotions, bonuses, and offers here.
Currently, they are offering up to a $500 bonus with a new Checking and Savings Account.
Table of Contents
About BMO Harris Bank Promotions
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: IL, IN, MN, WI (Bank Locator)
- Routing Number: 071025661
- Customer Service: 1-888-340-2265
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 Huntington Bank, Chase Bank, HSBC, TD Bank, Bank of America, Citibank, and more.
BMO Harris $200/$400 Checking Bonus
Earn a $200/$400 bonus with a new Checking Account.
You can earn a $200 or $400 bonus when you open a qualifying checking account with BMO Harris promotions.
- Account Type: Smart Advantage™, Premier Checking™
- Availability: Must reside in Illinois, Wisconsin, Minnesota, Indiana, Arizona, Kansas, or Missouri
- Direct Deposit Requirement: Yes, direct deposits totaling $4,000+ or $7,500+
- Hard/Soft Pull: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $25; avoidable
- Early account termination fee: $50 if closed within 90 days,
- Household limit: None listed
(Expires May 28, 2021)
| You can compare this to several great entry level Checking accounts with bonus offers include the Discover Cash Back Debit (up to $360 Bonus), TD Bank Convenience CheckingSM ($150 bonus), Citi Priority Account Package ($700 bonus), and Aspiration Spend & Save Account ($100 bonus). |
How To Earn $400 Checking Bonus
HOW TO EARN THE BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
- $200 Bonus:
- Get a $200 bonus when you open a new BMO Harris Smart Advantage™ Account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening.
- $400 Bonus:
- Get a $400 bonus when you open a new BMO Harris Premier™ Account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening.
- High Rate Dividends
- Waive the monthly fees
- eStatements
- Debit Mastercard
- FDIC insured to the maximum allowed by law
- Link this account to your personal checking account
- Help avoid overdraft fees with Overdraft Funding
- BMO Harris Smart Advantage Account
- No minimum balance and no monthly fees with eStatements.
- BMO Harris Premier 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
- In order to be eligible for these offers, you must reside in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, or Florida.
- You can apply online or at a branch.
- Offers are limited to one per customer. Offers are 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.
- 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.
- Offers can be changed or cancelled 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 bonus is paid approximately 100 days after opening.
BMO Harris $200/$500 Business Checking Bonus
Earn up to a $500 business checking bonus.
BMO Harris Bank is offering business owners can take advantage of a $200 or a $500 bonus with a new Business Checking Account.
- Account Type: Business checking
- Availability: FL, IL, WI, MN, IN, AZ, KS, MO
- Direct Deposit Requirement: Yes
- Hard/Soft Pull: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $15 – $20; See below
- 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 May 31, 2021)
| 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 $200/$500 Business Checking Bonus
EARN THE BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
- Receive the $200 Essential Business Checking Bonus:
- Open a new Essential Business Checking account between February 1, 2021 and April 30, 2021.
- Beginning Day 31 your balance must be $1,500 and it cannot drop below $1,500 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.
- Receive the $500 Business Advantage Checking Bonus:
- Open a new Business Advantage Checking account between February 1, 2021 and April 30, 2021.
- Beginning 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.
- High Rate Dividends
- Waive the monthly fees
- eStatements
- Debit Mastercard
- First 500 transactions free per statement periodfootnote5
- Up to $20,000 in free cash deposits per statement period
- Free domestic and foreign incoming wire transfers
- Up to $100 waived on your first order of checks through us
- 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
- Offers are not available to existing BMO Harris business checking customers (including authorized signers on multiple accounts) or those who have closed a BMO Harris business checking account within the past 12 months.
- A 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.
- Offers can be changed or canceled without notice at any time, cannot be combined with any other offer and are limited to one per business entity.
- The minimum deposit to open a business checking account is $100, however, to receive the bonus you must open the account with the minimum as stated below.
(Expired) BMO Harris $450 Checking Savings Bonus
Earn a $450 bonus at BMO Harris.
You can earn a $450 bonus when you open a qualifying checking and savings account with BMO Harris promotions.
- Account Type: Checking, Savings
- Availability: FL, IL, WI, MN, IN, AZ, KS, MO
- Direct Deposit Requirement: Yes
- Hard/Soft Pull: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0 – $30; See below
- Early account termination fee: Unknown
- Household limit: None listed
(Limited time offer)
| If you're looking for more advanced features for a checking account, you may want to compare this offer to the following: HSBC Premier Checking ($450 Bonus), Huntington 25 Checking ($500 Bonus), as well as the TD Bank Beyond Checking ($300 Bonus). |
How to Earn $450 Checking Savings Bonus
EARN THE BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
- Receive up to a $450 cash bonus when you open the following new products and services:
- $100 cash bonus when you open a new personal checking account with qualifying direct deposits
- $50 cash bonus when you also open a new Statement Savings account with $1,000 new money
- $50 cash bonus when you also open a new BMO Harris Health Savings Account®
- 25,000 bonus points (redeemable for $250 in cashback as a statement credit) when you are approved for a BMO Harris Bank Platinum Rewards Mastercard® Credit Card and spend $2,000 within the first 3 months of account opening.
- High Rate Dividends
- Waive the monthly fees
- eStatements
- Debit Mastercard
- FDIC insured to the maximum allowed by law
- Link this account to your personal checking account
- Help avoid overdraft fees with Overdraft Funding
- Smart Money Checking: The $5 fee is waived if you are under 25 years old.
- Smart Advantage Checking: The monthly service fee is waived when you enroll for eStatements.
- Premier Checking: $30, waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account.
- You must open the Statement Savings account with at least $1,000 as indicated in the table above.
- 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.
(Expired) BMO Harris $650 Checking and Savings Bonus
Earn up to a $650 bonus from BMO Harris.
Earn a $650 bonus through the current BMO Harris Promotions. Simply meet the requirements below to start.
- Account Type: Checking, Savings
- Availability: FL, IL, WI, MN, IN, AZ, KS, MO
- Direct Deposit Requirement: Yes
- Hard/Soft Pull: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0 – $30; See below
- Early account termination fee: Unknown
- Household limit: None listed
(Offer expired)
Editor’s Note: If you are a current resident of Florida, you can take advantage of a $350 bonus by September 30, 2020. Similar to the $650 bonus outside of Florida’s footprint, you can earn up to a $350 bonus with a new Premier Checking Account.
| If you're looking for more advanced features for a checking account, you may want to compare this offer to the following: HSBC Premier Checking ($450 Bonus), Huntington 25 Checking ($500 Bonus), as well as the TD Bank Beyond Checking ($300 Bonus). |
How to Earn $650 Checking Savings Bonus
RECEIVE THE BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
- Checking Bonus:
- $200:
- Open a Smart Advantage™ Account
- You will receive the bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
- $350:
- Open a Premier™ Account
- You will receive the bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days
- $200:
- Savings Bonus:
- Open a Platinum Money Market Account, provide the following funds on account for at least 90 days to earn the bonus
- $100 Bonus: Deposit $10,000 or more in the first 30 days
- $200 Bonus: $25,000 or more in the first 30 days
- $300 Bonus: $50,000 or more in the first 30 days
- Open a Platinum Money Market Account, provide the following funds on account for at least 90 days to earn the bonus
- High Rate Dividends
- Waive the monthly fees
- eStatements
- Debit Mastercard
- Smart Money Checking: The $5 fee is waived if you are under 25 years old.
- Smart Advantage Checking: The monthly service fee is waived when you enroll for eStatements.
- Premier Checking: $30, waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account.
- You must reside in Illinois, Wisconsin, Minnesota, Indiana, Arizona, Kansas, or Missouri.
- You can apply online or at a branch.
- Offers A & B can be combined but each is limited to one per customer.
- Bonuses are not considered part of the opening deposit and will be reported to the IRS for tax purposes.
- You are responsible for any applicable taxes.
Compare to Other Banks
- BMO Harris Bank vs Wells Fargo
- BMO Harris Bank vs Bank of America
- BMO Harris Bank vs Chase
- Associated Bank vs BMO Harris Bank
Bottom Line
The current promotions at BMO Harris are definitely worthwhile. However, there is an incredibly high direct deposit requirement. Consequently, whichever account, I’d recommend you open it if you are eligible to.
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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.