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.
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, TD Bank, Huntington Bank, BBVA, Discover Bank, and CIT Bank. See our best rates for Savings and CD too. |
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| Chase Private Client $2,000 Bonus | Chase Business Complete BankingSM $300 Bonus |
| Chase Total Checking® $200 Bonus | Chase SavingsSM $150 Bonus |
| HSBC Premier Checking $450 Bonus | HSBC Premier Checking Up To $600 |
| HSBC Advance Checking $200 Bonus | HSBC Advance Checking Up To $240 |
| TD Bank Premier Checking $300 Bonus | TD Bank Convenience Checking $150 Bonus |
| Huntington 25 Checking $500 Bonus | Huntington Business Checking 100 $200 Bonus |
| Huntington Unlimited Business Checking $400 Bonus | Huntington Unlimited Plus Business Checking $750 Bonus |
| Axos Basic Business Checking $100 Bonus | Aspiration Spend & Save Account $100 Bonus |
| Ally Invest Up To $3,500 Bonus | WeBull 4 Free Stocks |
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.
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
- 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
(Offer expires January 31, 2021)
Furthermore, definitely 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
- Receive the $200 Essential Business Checking Bonus:
- Open a new Essential Business Checking account between October 30, 2020 and January 31, 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 October 30, 2020 and January 31, 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 $200/$350 Checking Bonus
Earn a $350 bonus with a new Checking Account.
You can earn a $200 or $350 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
- 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 November 11, 2020)
You can compare this to several great entry level Checking accounts with bonus offers include the Chase Total Checking® ($200 bonus), Huntington Asterisk-Free Checking® ($150 Bonus), TD Bank Convenience CheckingSM ($150 bonus), and HSBC Advance Checking (up to $240 bonus).
How To Earn $350 Checking Bonus
- $200 Bonus:
- Get a $200 bonus when you open a new BMO Harris Smart Advantage™trademark Account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening.
- $350 Bonus:
- Get a $350 bonus when you open a new BMO Harris Premier™trademark 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
See how each account type handles Monthly Fees below.
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.
(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: Chase Private Client ($2,000 Bonus), 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
- 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.
How to Earn $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.
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.
Your feedback is highly appreciated and makes our site even better! Please comment below if you have experience banking with BMO Harris.
*Bookmark this page for the latest BMO Harris Bank promotions, bonuses, and offers!
Helpful Tips:
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| Chase SavingsSM | $150 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $500 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| American Express High Yield Savings | 0.60% APY | Review |
| Simple | Up to 0.60% APY | Review |
| CIT Bank Money Market | 0.50% APY | Review |
| Ally Invest | Up to $3,500 Cash | Review |
| E*TRADE | $0 Commissions | Review |
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.