BMO Harris Bonus, Get $200/$400 with New Checking Account
BMO Harris is offering a bonus of $200 or $400 when opening a new checking. You can apply online, at a branch or by calling 1-866-362-1166. Direct deposit is required and based on previous deals, they are strict about the requirement.
Get up to a $40 bonus when you open a new BMO Harris Smart Advantage
- Get a $200 bonus when you open a new BMO Harris Smart Advantage
Account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening OR
- Get a $400 bonus when you open a new BMO Harris Premier
Account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening.
You are only eligible for one bonus; you cannot open both checking accounts and receive both bonuses. 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 checking account type you have on Day 90 will determine which bonus you are eligible for. In order to receive the bonus, you must meet the associated criteria for that account.
Before you apply at a branch or by phone, enter your email and click “Send Me My Coupon Above” to receive the promo code you must use when opening your accounts.
If you are opening your account online or by phone, you must reside in a state that BMO Harris operates retail branches and use that address to open the account. BMO Harris currently operates retail branches in AZ, FL, IL, IN, KS, MO, MN and WI
Offers are 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.
BMO Harris Smart Advantage Account has no fees with paperless statements.
BMO Harris Premier Account has a $25 monthly fee that is waived with:
- $10,000 minimum daily balance OR
- $25,000 in combined balances with Relationship Waiver OR
- BMO Harris Financial Advisors, Inc. investment account
We have seen BMO Harris offer $350 and $500 in the past, so this is in between. You need a total of $4,000 or $7,500 in qualifying direct deposits for the $200 and $400 bonus respectively. Also, some data points in the past show that this might not be the easiest bank to deal with. The account opening process sometimes is not very smooth. It also takes 120 days for the bonus to post and you’ll need to request it yourself. This means that direct deposits requirement should be met with actual direct deposits. Even in the fine print they note that they “reserve the right to request documentation that the direct deposits qualify”. If you can easily change your direct deposit, then it should be worth doing.
If this bonus is not for you, then you can check our full list of available bank bonuses. And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here. There’s also a BMO Harris bonus for business accounts.
- OFFER PAGE
- Bonus: $200/$350
- Account Type: Smart Advantage or Premier
- Availability: AZ, FL, IL, IN, KS, MO, MN, WI
- Type of Inquiry: Soft pull
- Direct Deposit Requirement: $4,000 or $7,500 in qualifying direct deposits
- Other Requirements: No
- Credit Card Funding: No
- Monthly Fee: None or $25
- Closing Account Fee: $50 fee if the account is closed within 90 days. Plus must keep account open for 120 days to get bonus.
- Expiration Date: 4/30/21