BMO - Smart Advantage or Smart Money
Offer available in the following states: AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
Get $600.00 if you complete direct deposits totaling $6,000.00 or more within 180 days of account opening.
Bonus offer is available starting Sep 9, 2025.
Bonus offer ends on Dec 15, 2026.
Bonus Details: Minimum opening deposit of $25 is required for BMO Harris personal checking accounts. Make at least $1,000 in qualifying direct deposits each month for up to 6 consecutive months and receive monthly $100 cash bonus directly into your account.
Smart Advantage Account has no monthly fees with paperless statements. Smart Money Account has no monthly maintenance fee if you're under 25 years old. Offer is limited to one per customer and is 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. Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. Cash bonus will be paid into the checking account approximately 100 days after account opening. 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.
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