BMO (formerly known as BMO Harris Bank) is headquartered in Chicago, and has about 500 physical locations across 8 states. 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.
BMO offers personal checking, savings products like accounts, MMAs and CDs, business and commercial accounts, home and auto loans, credit cards, and IRAs. They also offer their "Premier Services", which is a wealth management service that aims to help you define and work toward a financial plan.
While BMO offers more accounts and services than some of the online-only banks, most of their rates are only competitive with the big banks (read: not very high), so keep that in mind.
Current BMO Promo Codes & Bonus Offers
Here are the active BMO bonuses that you can benefit from today:
- Relationship Checking: $600 bonus
- Personal Checking: $400 bonus
- Business Checking: up to $600 bonus
- Savings Builder: up to $60 bonus
- Relationship Plus Money Market: up to $3500 bonus
- Elite Business Money Market: up to $1000 bonus
1. Relationship Checking - $600 bonus
BMO Harris Bank is giving you 4 months to accumulate $7,500 in direct deposits to earn a $600 welcome bonus for opening a new Premier checking account. This is $100 higher than when it was previously available. It's now available nationally, so now's a good time to open an account online and grab that cash.
What's even better? They're also offering a $5/month kicker if you save regularly.
BMO : Relationship Checking
- Bonus Amount
- $600
- Account Type
- Personal Checking
- Availability
- Nationwide
- Offer Expires
- December 8, 2023
- Bonus Requirements
-
- Open a new Relationship Checking account using the link below.
- Within 120 days, have a total of $7,500 in qualifying direct deposits.
- Bonus is paid approximately 100 days after account opening.
at BMO
2. Personal Checking - $400 bonus
BMO Harris Bank is giving you 4 months to accumulate $4,000 in direct deposits to earn a $400 welcome bonus for opening a new BMO Smart Advantage Checking or BMO Smart Money Checking account. This is $100 higher than previous versions.
What's even better? They're also offering a $5/month kicker if you save regularly.
It's now available nationally, so now's a good time to open an account online and grab that cash.
BMO : Personal Checking
- Bonus Amount
- $400
- Account Type
- Personal Checking
- Availability
- Nationwide
- Offer Expires
- December 8, 2023
- Bonus Requirements
-
- Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account using the link below.
- Within 120 days, have a total of $4,000 in qualifying direct deposits.
- Bonus is credited directly to your checking account approximately 100 days after account opening.
at BMO
3. Business Checking - up to $600 bonus
Available in select states within their footprint, BMO Harris is offering up to a $600 welcome bonus when you open a new business checking account and meet the minimum balance requirements. This is a tiered bonus, the higher the balance, the more you can earn. It's worth noting that this bonus is higher than a recent one offered for similar tiers.
What's more? You can earn an extra bonus up to $1,000 when you also open a new BMO Elite Business Money Market account with qualifying activities.
BMO : Business Checking
- Bonus Amount
- up to $600
- Account Type
- Business Checking
- Availability
- FL, IL, WI, MN, IN, AZ, KS, MO
- Offer Expires
- December 8, 2023
- Bonus Requirements
-
- Open a new BMO Harris business account online or in branch using the link below.
- On day 120, have an average collected balance of at least $4,000 to be eligible to earn $400 OR at least $10,000 to be eligible to earn $600.
- Within the first 120 days, complete 10 qualifying transactions. (any combination of: ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions).
- Bonus will be deposited into the new checking account within 14 days of meeting the promotion requirements, approximately Day 130.
at BMO
4. Savings Builder - up to $60 bonus
$5 extra each month just for putting money into my own savings account? OKAY. BMO Harris Bank is offering a total of $60 (5 bucks a month for a maximum of 12 months) as a savings-incentive bonus if you open a new Savings Builder account.
Pro tip: maximize your bonus by also taking advantage of either of the personal checking account welcome bonuses they're offering.
BMO : Savings Builder
- Bonus Amount
- up to $60
- Account Type
- Personal Savings
- Availability
- FL, IL, WI, MN, IN, AZ, KS, MO
- Bonus Requirements
-
- Open a new Savings Builder account using the link below.
- Earn an extra $5 for every month you deposit at least $200 into the account, for up to 12 months.
at BMO
5. Relationship Plus Money Market - up to $3500 bonus
If you live in a qualifying state that BMO Harris operates from, you seriously need to check out this bonus. We've never posted about a BMO MMA bonus before and this time it's a hefty one!
BMO Harris is offering up to $3,500 for individuals that open a new Relationship Plus Money Market account and deposit new money. This is a tiered bonus, so the more money you can deposit, the more you can earn. To earn the highest bonus you'll need to deposit at least $500,000.
BMO : Relationship Plus Money Market
- Bonus Amount
- up to $3500
- Account Type
- Money Market Account
- Availability
- FL, IL, WI, MN, IN, AZ, KS, MO
- Offer Expires
- December 8, 2023
- Bonus Requirements
-
- Open a new BMO Relationship Plus Money Market account using the link below.
- By day 30, deposit new money as follows: $25,000 - $49,999.99, earn $300; $50,000 - $99,999.99, earn $500; $100,000 - $249,999.99, earn $1,000; $250,000 - $499,999.99, earn $2,500; $500,000+, earn $3,500.
- From Day 31 - Day 120, maintain the minimum new money balance requirement in your Relationship Plus Money Market account for the assigned Tier (If your balance drops to a lower tier, your bonus amount will be recalculated to the lower tier amount).
at BMO
6. Elite Business Money Market - up to $1000 bonus
Available in select states within their footprint, BMO Harris is offering up to a $1000 welcome bonus when you open a new Elite Business Money Market account and meet the minimum balance requirements. This is a tiered bonus, the higher the balance, the more you can earn. It's worth noting that this is the first time we've seen this bonus
What's more? You can earn an extra bonus up to $600 when you also open a new BMO business checking account with qualifying activities.
BMO : Elite Business Money Market
- Bonus Amount
- up to $1000
- Account Type
- Money Market Account
- Availability
- FL, IL, WI, MN, IN, AZ, KS, MO
- Offer Expires
- December 8, 2023
- Bonus Requirements
-
- Open a new Elite Business Money Market account online or in branch using the link below.
- Within the first 30 days, deposit new money as follows: $25,000 - $49,999.99, earn $300; $50,000 - $99,999.99, earn $500; $100,000+, earn $1,000.
- Maintain the minimum new money balance requirement in your Elite Business Money Market account for the assigned Tier from Day 31 through Day 120.
- Bonus will be deposited into the new checking account on approximately Day 130.
at BMO
Summary: BMO's Current Bonuses
Here’s a recap of the current BMO promotions and offers that you can claim right now:
| Account | Account Type | Amount | Expires | Requirements | |
|---|---|---|---|---|---|
| Relationship Checking | Personal Checking | $600 | Dec 8 | Direct Deposit | Details |
| Personal Checking | Personal Checking | $400 | Dec 8 | Direct Deposit | Details |
| Business Checking | Business Checking | up to $600 | Dec 8 | Min Balance | Details |
| Savings Builder | Personal Savings | up to $60 | Limited Time | Min Balance | Details |
| Relationship Plus Money Market | Money Market Account | up to $3500 | Dec 8 | Min Balance | Details |
| Elite Business Money Market | Money Market Account | up to $1000 | Dec 8 | Min Balance | Details |
Expired Offers From BMO
These bonuses were recently offered by BMO, but are not available right now.
Check back often as BMO may revive these deals or offer similar promotions in the future. In the meantime, it can sometimes be helpful to compare BMO's current bonuses to their previous deals.
Statement Savings - up to $60 bonus (Expired)
Expired: January 28, 2022
previously offered up to $60 for opening a Statement Savings account.
To earn the bonus, you needed to:
- Open a new Statement Savings account using the link below.
- Earn an extra $5 for every month you deposit at least $200 into the account, for up to 12 months.
