Find new BMO Harris Bank promotions, bonuses, and offers here.
Currently, BMO Harris Bank is offering $60, $300, $500 bonuses with a new Checking, Savings Account, or business checking.
About BMO Harris Bank Promotions
Established in 1882, 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). BMO Harris Bank offers a variety of checking and savings accounts, including Money Market, CD, and IRA products.
For their checking accounts, BMO expands its reach by joining the Allpoint ATM network, which gives you access to about 40,000 fee-free ATMs.
They also offer online and mobile tools to help you take care of most banking tasks without needing to go in-branch.
I’ll review BMO Harris Bank promotions below.
BMO Harris Premier™ Account $500 Cash Bonus
- What you’ll get: $500 bonus
- Account Type: Premier CheckingTM Account
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI (Bank Locator)
- Direct Deposit Requirement: Yes, $7500+
- Credit Inquiry: None
- ChexSystem: Yes
- Credit Card Funding: Cannot fund with credit card
- Monthly Fees: $25, avoidable
- Household Limit: None
(Expires 07/14/2023)
How To Earn Bonus
HOW TO EARN THE BONUSWAIVE THE MONTHLY FEEFINE PRINT
- $500 Bonus:
- Open a new BMO Harris PremierTM 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
- BMO Harris PremierTM 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
- To take advantage of the checking offer, you must open your account between January 7, 2023 and June 2, 2023, and use the checking promo code.
- Accounts opened on the final day of the promotion must have their applications submitted and approved prior to 8:00 p.m. CT. you may open your account at a BMO Harris branch, online, or by calling 1-800-546-6101.
- If you open your account online, you must open your account by clicking “Open Now” above. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by June 2, 2023.
- Offer is limited to one per customer and is 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.
- Cash 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.
- Offer can be changed or canceled 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 cash bonus is paid.
BMO Harris Smart Advantage™ Account $300 Cash Bonus
- What you’ll get: $300 bonus
- Account Type: Smart AdvantageTM Account
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- Direct Deposit Requirement: Yes, $4000+
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0
- Early Account Termination Fee: None
(Expires 07/14/2023)
How To Earn Bonus
HOW TO EARN THE BONUSWAIVE THE MONTHLY FEE
- $300 Bonus:
- Open a new BMO Harris Smart AdvantageTM Account and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- BMO Harris Smart AdvantageTM Account
- No minimum balance and no monthly fees with eStatements.
BMO Harris Smart Money™ Account $300 Cash Bonus
- What you’ll get: $300 bonus
- Account Type: Smart MoneyTM Account
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- Direct Deposit Requirement: Yes, $4000+
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: $0 or $5, waivable.
- Early Account Termination Fee: None
(Expires 07/14/2023)
How To Earn Bonus
HOW TO EARN THE BONUSWAIVE THE MONTHLY FEE
- $300 Bonus:
- Open a new BMO Harris Smart MoneyTM Account and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- BMO Harris Smart MoneyTM Account
- No monthly maintenance fee if you’re under 25 years old, otherwise $5 monthly fee
BMO Harris Bank Savings Builder (Up to $60 in Rewards)
- What you’ll get: Up to $60 in rewards
- Account Type: Savings Builder Account
- Availability: Nationwide
- Direct Deposit Requirement: No
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: None
- 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
How to Earn Bonus
EARN THE BONUSWAIVE THE MONTHLY FEEFINE PRINT
- 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.
BMO Harris Bank Online Savings
BMO Harris $300 or $500 Business Checking Bonus
- What you’ll get: $300 or $500 bonus
- Account Type: Business checking
- Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- Direct Deposit Requirement: No
- Credit Inquiry: None
- Credit Card Funding: Cannot fund with credit card
- Monthly Fee: None
- 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 09/15/2023)
How to Earn Bonus
EARN THE BONUSWAIVE THE MONTHLY FEEFINE PRINT
- Open a new BMO business checking account online or in branch between May 15, 2023 and September 15, 2023.
- Get $300 when you maintain an Average Collected Balance of $4,000 for 120 days.
- Get $500 when you maintain an Average Collected Balance of $10,000 for 120 days.
- Make 10 qualifying transactions within 120 days of opening your account.
- 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
- How to get a business checking bonus: You can receive either the $300 bonus or the $500 bonus. You can apply online or at a BMO branch. To apply online visit bmo.com/businesscheckingoffer, 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, 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 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 will 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. - 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.
- You are only eligible for one (1) business checking bonus. 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 bonus you qualify for will be deposited into the new checking account within 14 days of meeting the respective promotion requirements stated above, approximately Day 135.
- In order to receive the bonus, you must 1) meet the associated criteria for the respective offer mentioned above, 2) your checking account must be in an open status and 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.
- Accounts are subject to approval and are provided in the United States by BMO Harris Bank N.A. Member FDIC
Bottom Line
The current promotions at BMO Harris are definitely worthwhile.
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 Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, SoFi, Bank of America, Wells Fargo, U.S. Bank, and more!
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