Checking Account

BMO

BMO Harris $400 Checking Bonus

$400bonus

Time to Complete

90 days

Min. Hold Period

90 days

Requirements

Direct Deposit Required

Set up recurring direct deposits to your account

Bonus Timeline

Bonus Posts Within60 days after meeting requirements
Keep Account Open90 days minimum
Direct Deposit Amount$4,000/mo

Fine Print

Credit PullSoft Pull
ChexSystemsPulls Chex — Unknown
CC Funding$0
Household LimitNone listed
New Customers OnlyYes — no account in last 12 months

Fees & Terms

Monthly Fee$25.00
Fee Waiver$25, avoidable; Smart Advantage has no monthly maintenance fee; Smart Money $5 fee waived if under age 25
Early Termination Fee$50.00
Minimum Hold Period90 days

Details

Open a new BMO personal checking account (Smart Money, Smart Advantage, or Relationship Checking) and earn a $400 cash bonus by making qualifying direct deposits totaling at least $4,000 within 90 days of account opening. Relationship Checking has a $25 monthly fee that is avoidable; Smart Advantage has no monthly fee and Smart Money has a $5 fee waived if under age 25. Early closure fee of $50 applies if the account is closed within 90 days. Offer is available nationwide and typically requires a soft pull, with no credit card funding allowed.

Availability

Nationwide

Qualifying Direct Deposits

ACH pushes from these financial institutions have qualified as a direct deposit at BMO. Counts are community-confirmed data points.

Chase · 13
Capital One · 7
Charles Schwab · 7
Wise · 4
Ally Bank · 3
Paypal ( · 3
Fidelity · 2
Treasury direct · 2

Last updated: March 3, 2026