BMO checking: up to $600 ($100 a month) with direct deposits
Up to $600 bonus
Open a BMO Smart Money, Smart Advantage or Relationship Checking account by Dec 15, 2026 and earn $100 for each month with $1,000+ in direct deposits, up to 6.
- Deposit
- $1,000+ qualifying direct deposits each month, up to 6
- States
- AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
- Ends
- Dec 15, 2026
- Bonus
- $100/month, up to $600
- Who
- Residents of 14 listed states
How to get it
- Open BMO Smart Money, Smart Advantage or Relationship Checking online, or get a promo code on BMO's page for a branch or phone, between Sep 9 and Dec 15, 2026.
- Tracking begins the first calendar day of the month after opening.
- Each month, get a cumulative $1,000 or more in qualifying direct deposits to earn $100, for up to 6 consecutive months.
- BMO says each $100 is paid about 10 days after the start of the next month.
What it means for churners
- A missed month only costs that month's $100, not the later ones.
Fine print
- Not for existing BMO personal checking clients or anyone who closed one in the past 12 months. One per client and account.
- The primary applicant must live in one of the listed states.
- Online applications on Dec 15, 2026 must be submitted and approved before 9:00 p.m. CT.
- Monthly fees: Smart Money $5 ($0 under 25), Smart Advantage $0, Relationship $25 or $0 if waived.
- The account must be open, in good standing and above $0 when each bonus is paid.
- BMO's headline says up to $660 in cash bonuses and rewards; this record covers the $600 checking bonus.
Source
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