For employees part of Bank at Work or Group Banking Services, BMO Harris Bank is offering you up to a $250 bonus! Earn a $100 bonus when you open up a new personal checking account with direct deposits, and also qualify for additional $50 cash bonuses.
You may be eligible for bonuses by opening a Statement Savings account, a new Health Savings Account, or simply signing up for eStatements! As long as you complete each bonus’ requirements, the cash bonus will be accredited to the personal checking account that received the $100 cash bonus within 120 days.
This is a great bonus if you are looking for checking accounts with little to no fees and exclusive ways to earn banking bonuses. If you are interested and qualify, make sure to take advantage of this offer and sign up today! Additionally, be sure to check out other banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, BBVA Compass Bank or CIT Bank. All of the latest BMO Harris Bank bonuses are located on the HMB master list of BMO Harris Bank Promotions.
Editor’s Note: To receive these offers, your employer or organization must participate in BMO Harris Bank at Work or Group Banking Services. Offers are effective as of May 1, 2017 and are subject to change at any time without notice. BMO Harris reserves the right to amend or cancel any part of this program.
Let us know if you find a new bank bonus and get paid through our Rewards Program!
 | BMO Relationship Checking: Earn $600 cash bonus when you open a new Relationship Checking Account and have a total of at least $7,500 in qualifying direct deposits within the first 120 days. Learn More---BMO Relationship Checking Review |
 | U.S. Bank Smartly® Checking: Earn up to $1,000 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through September 6, 2023. Member FDIC. Apply Now---U.S. Bank Checking Review |
 | Discover Online Savings Account: Earn $200 Bonus/$150 Bonus with promo code HMB923 by 12/14/2023 along with a competitive interest rate of 4.30% APY. Fund your first savings account with a minimum of $25K within 30 days of account open date to earn the $200 Bonus (fund $15K to earn $150 bonus). No minimum opening deposit, no minimum balance requirement, and no monthly fees. See advertiser website for full details. Apply Now---Discover Savings Review |
 | Chase Private Client: Enjoy up to $3,000 bonus when you open a new Chase Private Client Checking account with qualifying activities. Get more from a personalized relationship when you open a new Chase Private Client Checking account with qualifying activities. Learn More---Chase Private Client Review |
BMO Harris Bank Account Information
- Direct Link to Offer
- BMO Harris Bank Promotion PDF Prinout
- Account Type: Smart Money, Smart Advantage, or Premier. (We recommend Smart Advantage with no fees)
- Availability: Nationwide, to employers or organizations that participate in BMO Harris Bank at Work or Group Banking Services
- Expiration Date: None.
- Credit Inquiry: Soft Pull via ChexSystems.
- Opening Deposit: $25 for personal checking accounts, $1000 for a Statement Savings, $0 for the HSA
- Credit Card Funding: Unknown. Let us know.
- Direct Deposit Requirement: Yes, at least $600 see below for personal checking accounts.
- Monthly Fee: Yes, see how to avoid monthly fees below.
- Additional Requirements: See below for details.
- Closing Account Fee: None listed.
What Triggers Direct Deposit? Alternative Methods
Many bank bonuses require you to make real direct deposit from your job to receive the sign up bonus. However, switching to your real paycheck can be frustrating and time consuming. You can find alternative methods below which many readers have reported to trigger direct deposit to receive the sign up bonus. Simply set up ACH transfers from these institutions to trigger direct deposit. Again, Your Mileage May Vary(YMMV). Please help us with your experience if you find a different method or to confirm a current method for direct deposit in the comments section below.
- Alliant ACH
- Ally
- American Express
- Discover ACH
- Robinhood
- Schwab Transfer
- UFCU
How To Earn Up to $250 BMO Harris Bonus
- For the first $100 bonus, open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account.
- Set up qualifying direct deposit within 60 days of opening: at least $600 in cumulative direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment.
- Receive the $100 approximately 90 days after checking account opening.
- $50 bonus when you open a new Statement Savings account
- Make an initial deposit of $1,000 or more of funds not currently on deposit at BMO Harris Bank or its affiliates within 60 days of opening the new BMO Harris personal checking account.
- Maintain at least $1,000 in the account for 90 days.
- Receive the $50 bonus approximately 120 days after Statement Savings account opening
- $50 bonus when you open a new Harris Health Savings Account within 60 days of opening the new BMO Harris personal checking account.
- Receive the $50 bonus approximately 120 days after HSA account opening
- $50 bonus when you enroll in electronic only statements within 60 days of opening the new BMO Harris personal checking account.
How To Avoid Monthly Fees
- BMO Harris Smart Money Account: $5 monthly maintenance fee waived for customers under the age of 25. $2 monthly fee for paper statements waived when account owner is under 25 years of age or you opt to receive electronic statements only.
- BMO Harris Smart Advantage Account: No balance fees. Waive $2 monthly fee when you opt for electronic statements only. This account is easiest to avoid no fees
- BMO Harris Premier Account: $30 monthly maintenance fee can be waived with a $25,000 minimum daily balance or $50,000 in combined balances with Relationship Wavier 10.
Bottom Line
Open a personal checking account with BMO Harris Bank today! We recommend the Smart Advantage Account that has the least requirements to easily earn the first $100 cash bonus. If you qualify for the additional $50 bonus, complete the offer right away such as simply opting for eStatements. Make sure to read all the fine print of direct deposit requirements and account fee waivers to maximize your savings up to $250. Do you like offers like this? If so, we also have a full list of bank promotions from all across the country. Check them out!