Bmo
Review the qualification steps, fees, deadline, and official source before opening this account.
Current bonus
$400
Sep 8, 2026
Verification
Verified Aug 22, 2026
Requirements completeness
100%
Deposit requirement
Not listed as required
Related offers
More from this bank
Review every currently tracked promotion from this institution before choosing an account.
Bmo
Current opportunity
Current bonus
$400
Est. net value $399.48
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or over the phone. Give us a call Our team is available to help. 1-800-546-6101 Visit us in person Drop by your nearest BMO financial center and we'll help you get set up. Find a BMO financial center Legal Footnote 1 details This offer is only available for accounts where the primary applicant (first person listed on the account) resides in Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington, or Wisconsin at the time of application. Proof of address may be required. To take advantage of the new personal checking account cash bonus offer, you must open your account between June 30, 2026 and September 8, 2026, and use the promo code. You may open your account at a BMO financial center, online, or by calling 1-800-546-6101. To apply for a checking account online, click through to the personal checking account cash bonus offer page, select “OPEN IN MINUTES,” for the checking account of your choice and we’ll automatically apply the promo code for you. To apply at a financial center or by phone for a checking account, click through to the personal checking account cash bonus offer page, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account. Accounts opened online on September 8, 2026 must have their applications submitted and approved prior to 9:00 p.m. Central Time. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by September 8, 2026. To receive the personal checking new account cash bonus of $400 : Open a new BMO Smart Money Checking , BMO Smart Advantage Checking or BMO Relationship Checking account ; and The primary applicant (first person listed on the account) must reside in Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington, or Wisconsin at the time of application; and Have a cumulative total of $4,000 in qualifying direct deposits post to your account within 90 days of account opening. Business Days are Monday through Friday excluding any holiday on which the Bank and/or the Federal Reserve are closed for processing. Transactions received or occurring on a day other than a Business Day will be posted the next Business Day. Tip: If the 90th calendar day falls on a Saturday, Sunday or Bank holiday, the cumulative total qualifying direct deposits must be received no later than the last Business Day preceding the 90th calendar day. Offer is limited to one per client and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal checking clients (including trustees and signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Cash bonus may be reported to the IRS for tax purposes, and 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. If your balance is zero, we may close your account. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid. Qualifying direct deposits are deposits of regular income from an employer or similar third party - such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account - using your account number and BMO ’s routing number that you provide to them. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, BMO Digital Banking transfers or deposits, deposits processed as a debit card credit or real time credit, transfers from any bank or brokerage account, Account to Account or Peer to Peer (e.g. Zelle ® , Venmo) transfers, and deposits received via merchant payment platforms (such as Square ® ). We reserve the right to request documentation, such as a pay stub or statement of earnings, that the direct deposits qualify. You are only eligible for one checking account cash bonus; you cannot open multiple checking accounts and receive multiple cash bonuses. The promo code is applied to the first Smart Money Checking, Smart Advantage Checking, or Relationship Checking account that is opened between June 30, 2026 and September 8, 2026. 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. Your account must be Smart Money Checking, Smart Advantage Checking, or Relationship Checking when the cash bonus is paid into the checking account approximately 100 days after account opening. Minimum opening deposit of $25 is required for BMO personal checking accounts. BMO Relationship Checking is a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of June 30, 2026 , and are subject to change at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain
Investivue decision
The economics can be attractive when the published requirements fit your cash flow. Confirm location eligibility, funding, deposit, fee, and timing requirements first.
Why it stands out
Estimated timeline
Up to 190 days
Qualification through payment
Direct deposit
Required
Monthly fee
Verified $0
Requirements completeness
100%
Structured field coverage
Transparent ranking
The score balances real return, capital tied up, time to payment, deposit friction, fees, complexity, retention risk, and data quality.
74.1
Version 2.0
Estimated net bonus
$399
Capital required
$25
Estimated timeline
190 days
Decision guide
Review the verified funding, deposit, fee, eligibility, and timing signals. Unknown values are shown as unknown rather than treated as zero.
Funding requirement
$25
Amount of new money currently identified in the published requirements.
Direct deposit
$4,000 required
Complete the qualifying direct-deposit activity within the published window.
Monthly fee
$0
No monthly fee is currently listed in the structured requirements.
Availability
14 listed states
Current structured eligibility lists: AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI.
Qualification path
Open BMO Smart Advantage Checking by September 8, 2026 using the BMO checking promotion.
Use the promotional code flow; online applications apply the code automatically.
Receive at least $4,000 in cumulative qualifying direct deposits within 90 days of account opening.
Keep the qualifying checking account open and in good standing through bonus payment.
Expected timeline
Open the account
Day 0
Apply through the official promotional path and retain the confirmation details.
Complete qualifying activity
Within 90 days
Complete the required funding, deposit, or other published activity within this window.
Allow time for payment
Up to 100 days
Bonus timing begins after the institution determines that the requirements were satisfied.
Decision recommendation
This guidance is generated from the offer's tracked value, funding, timing, availability, and verified requirement data. It is not personalized financial advice.
Why it may fit
The published requirements do not list direct deposit as mandatory.
The tracked capital requirement is $25.
Opportunity cost
Better alternatives
PNC Bank
Fifth Third Bank
Chase
Evidence and verification
Each critical requirement is mapped to the official-source evidence, parser, extraction method, confidence score, and verification date currently stored by Investivue.
Field-level provenance
A field may use its category evidence when a dedicated excerpt has not yet been stored. Missing evidence remains visibly unconfirmed.
Funding
$25
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Direct deposit
Required
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Fees
$0
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Timeline
90 days
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Timeline
Not confirmed
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Timeline
Up to 100 days
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Eligibility
14 states
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Offer requirements
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Qualification steps
Open BMO Smart Advantage Checking by September 8, 2026 using the BMO checking promotion.
RequiredUse the promotional code flow; online applications apply the code automatically.
RequiredReceive at least $4,000 in cumulative qualifying direct deposits within 90 days of account opening.
RequiredKeep the qualifying checking account open and in good standing through bonus payment.
RequiredEligibility
Customer type
PERSONAL
New customer
Not specified
Existing customers
Not specified
Availability
AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
Previous-customer lookback
Not specified
Account segment
PERSONAL
Direct deposit
Required
Yes
Minimum total
$4,000
Deposit count
Not specified
Completion window
90 days
Funding
Opening deposit
Required
Minimum opening deposit
$25
Funding window
Not specified
Minimum balance
$0
Fees
Timeline
Offer expires
Sep 8, 2026
Fund account
Not specified
Deposit window
90 days
Qualify
90 days
Bonus posts
100 days
Account retention period
Not specified
Evidence
Completeness
100%
Schema version
1.0
Last verified
Aug 22, 2026
Evidence records
1
requirements_text
100% confidence
$400 Limited Time Checking Account Bonus Offer - BMO Open a checking account online in minutes and earn a $400 cash bonus. Choose from our three best BMO checking accounts! $400 Limited Time Checking Account Bonus Offer - BMO bmo.com Navigation skipped Earn a $400 cash bonus footnote 1 Personalized banking built around you New personal checking clients in select eligible states can earn a $400 c ash bo nus footnote 1 when you open a new checking account and complete qualifying activities. $400 cash bonus footnote 1 BMO Smart Advantage Checking Account Everyday banking with no monthly maintenance fees Open in Minutes Learn More $0 monthly maintenance fee No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 321 KB) $400 cash bonus footnote 1 BMO Smart Money Checking Account Essential banking made simple Open in minutes Learn more $5 monthly maintenance fee or $0 if you're under age 25 No minimum balance required footnote 2 Fee-free transactions at more than 40,000 Allpoint ® ATM s nationwide Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 No Overdraft Fees footnote 6 for added peace of mind Product Disclosure and Fees (PDF, 303 KB) $400 cash bonus footnote 1 BMO Relationship Checking Account Premium banking with exclusive benefits Open in minutes Learn More $25 monthly maintenance fee or $0 if waived Relationship Packages footnote 7 that offer more perks the more you bank with BMO Unlimited Non- BMO ATM Transactions footnote 8 Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period) Interest earned on your checking balance Access to Mastercard ID Theft Protection ® with your BMO Debit Mastercard ® footnote 4 Get an extra day to avoid Overdraft Fees footnote 5 Product Disclosure and Fees (PDF, 428 KB) New personal checking clients: How to cash in our offer Step 1: Open the account Eligible clients ca n ea sily open a new checking account on line in minutes. Step 2: Deposit funds Make qualifying direct deposits within 90 days of opening the account. Step 3: Earn your cash bonus That's it! We'll deposit your cash bonus footnote 1 directly into your account. Earn up to $60 in savings rewards with Savings Builder Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9 Enjoy no monthly maintenance fee. Start saving with a low minimum opening deposit of just $25. Feel secure knowing your money is FDIC insured . footnote 10 Automate your savings with recurring transfers footnote 11 from your checking account. Open Now Learn More Stay in control with next day grace When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 5 because peace of mind is priceless. Enjoy exclusive fan benefits Repping your favorite team comes with perks – show your spirit with BMO 's Fan Card Debit Mastercard ® and get in on exclusive rewards! Learn More Prefer to apply in person or on the phone? Just give us a few details to get your promo code and use it when you apply. Contact Name (required) Enter your first and last name Email address (required) example : abc @ email . com Phone number example: 555-555-5555 ZIP code (required) example: 12345 Send my promo code By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities. Ready to apply? Your promo code is on the mailer you received from us. Just use that code with you when you apply in a BMO financial center or
Citi
Up to $1,500
Review details→
Watch before applying
Monthly fee
$0
Fee waiver
Not available
Early closure penalty
$0
Restrictions
Promotion code
Not specified
Household limit
Not specified
Employee exclusion
Not specified
Combinability
Not specified
Published deadline
Sep 8, 2026