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:
- Personal Checking: $250 bonus
- Relationship Checking: $400 bonus
- Business Checking: up to $1000 bonus
- Savings Builder: up to $60 bonus
Personal Checking
- Bonus Amount
- $250
- Account Type
- Personal Checking
- Availability
- Nationwide
- Offer Expires
- May 3, 2024
- Bonus Requirements
-
- Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account using the link below.
- Within 90 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.
- Conditions apply. BMO Bank N.A. Member FDIC
at BMO
Relationship Checking
- Bonus Amount
- $400
- Account Type
- Personal Checking
- Availability
- Nationwide
- Offer Expires
- May 3, 2024
- Bonus Requirements
-
- Open a new Relationship Checking account using the link below.
- Within 90 days, have a total of $7,500 in qualifying direct deposits.
- Bonus is paid approximately 100 days after account opening.
- Conditions apply. BMO Bank N.A. Member FDIC
at BMO
Business Checking
- Bonus Amount
- up to $1000
- Account Type
- Business Checking
- Availability
- Nationwide
- Offer Expires
- April 30, 2024
- 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 $300 OR at least $10,000 to be eligible to earn $500 OR at least $30,000 to be eligible for $1,000.
- 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
Savings Builder
- Bonus Amount
- up to $60
- Account Type
- Personal Savings
- Availability
- Nationwide
- 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
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 | |
|---|---|---|---|---|---|
| Personal Checking | Personal Checking | $250 | May 3 | Direct Deposit | Details |
| Relationship Checking | Personal Checking | $400 | May 3 | Direct Deposit | Details |
| Business Checking | Business Checking | up to $1000 | Apr 30 | Min Balance | Details |
| Savings Builder | Personal Savings | up to $60 | Limited Time | 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.
Relationship Plus Money Market - up to $3500 bonus (Expired)
Expired: December 8, 2023
BMO previously offered up to $3500 for opening a Relationship Plus Money Market account.
To earn the bonus, you needed to:
- 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).
Elite Business Money Market - up to $1000 bonus (Expired)
Expired: December 8, 2023
BMO previously offered up to $1000 for opening an Elite Business Money Market account.
The steps to earning this bonus were:
- 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.
Statement Savings - up to $60 bonus (Expired)
Expired: January 28, 2022
BMO previously offered up to $60 for opening a Statement Savings account.
Earning this bonus required you 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.
