Find new BMO Harris promotions, bonuses, and offers here.
Currently, they are offering up to a $650 bonus with a new Checking and Savings Account.
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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.
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
- Expiration Date: None
- Opening Deposit: $0 – $1,000
- Direct Deposit Requirement: Yes
- Monthly Fee: $0 – $20; See below
(See For More Information)
Additionally, you may want to compare this offer to a Chase Total Checking ($200 Bonus), HSBC Premier Checking ($450 Bonus), Huntington 25 Checking ($500 Bonus), TD Bank Beyond Checking ($300 Bonus) as well as the BBVA Online Checking & Savings (Up To $250).
How To Earn $450 Checking Savings Bonus
- 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.
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
- Credit Inquiry: Soft Pull
- ChexSystems: Yes
- Opening Deposit: $25 +
- Credit Card Funding: Cannot fund with a credit card
- Direct Deposit Requirement: Yes
- Monthly Fee: $0 – $30; See below
- Additional Requirements: See Below
- Household Limit: None listed
- Closing Account 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
(Offer expires September 30, 2020)
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.
Receive The $650 Checking Savings Bonus
- 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.
BMO Harris $200/$500 Business Checking Bonus
Earn up to a $500 business checking bonus.
Business owners can take advantage of a $200 or a $500 bonus with a new Business Checking Account.
- Account Type: Business Checking
- Credit Inquiry: Soft Pull
- ChexSystems: Yes
- Opening Deposit: $25 +
- Credit Card Funding: Cannot fund with a credit card
- Direct Deposit Requirement: Yes
- Monthly Fee: $15 – $20; See below
- Additional Requirements: See Below
- Household Limit: None listed
- Closing Account 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
(Offer expires September 30, 2020)
Furthermore, definitely take a look at our Chase Total 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).
Earn The $200/$500 Business Checking Bonus
- Receive the $200 Essential Business Checking Bonus:
- $200:
- Open a new Essential Business Checking account between July 1, 2020 and September 30, 2020.
- 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.
- $200:
- Receive the $500 Business Advantage Checking Bonus:
- $500:
- Open a new Business Advantage Checking account between July 1, 2020, and September 30, 2020.
- 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.
- $500:
- 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.
Compare to Other Banks
- BMO Harris Bank vs Wells Fargo
- BMO Harris Bank vs Bank of America
- 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.
Your feedback is highly appreciated and makes our site even better! Please comment below if you have experience banking with BMO Harris.
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Helpful Tips:
The best bank bonuses are updated here. Check the below pages to get started with some of the best offers: • Chase Bank Bonuses. Read about several offers for their Checking, Savings and Business accounts. Chase usually offers the most sign-up bonuses of all the big banks. • HSBC Bank Bonuses. HSBC Bank routinely has offers for several of their Personal Checking and Business Checking accounts. They also have a good referral program. • TD Bank Bonuses. TD Bank consistently offers great Checking account bonuses all year long. Savings account offers are less frequently available. • Huntington Bank Bonuses. Bonus offers for their Checking accounts are only available for limited periods throughout the year. They also have great options for those looking for a free Checking account (no monthly fees). • Discover Bank Bonuses. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs. |
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.