BMO Bank Checking & Money Market Bonus: Up To $4,100 Offers – Ends 12/8/2023

Earn up to $4,100 with two limited-time offers from BMO Bank! You can get up to $600 for a personal checking account & up to $3,500 for a Relationship Plus Money Market account.

Full details below!

BMO Bank Checking & Money Market $4,100 Offer

First, Earn Up To $600 With This Offer

Then, Earn Another $3,5000 With This Offer

Deposit a minimum of $25,000 of new funds into your account within the first 30 days of opening. By the 30th day, you’ll be placed into one of five tiers. Keep the required balance from the 31st to the 120th day to secure your bonus.

MINIMUM BALANCE TO DEPOSIT	CASH BONUS
$25,000-$49,999.99	$300
$50,000-$99,999.99	$500
$100,000-$249,999.99	$1,000
$250,000-$499,999.99	$2,500
$500,000+	$3,500

START WITH ONE OF THESE CHECKING ACCOUNTS THEN OPEN YOUR MONEY MARKET ACCOUNT:

• BMO Smart Advantage Checking Offer
• BMO Smart Money Checking Offer
• BMO Relationship Checking Offer

Account Features

BMO Smart Advantage Checking – This checking account has no monthly fees when you sign up for eStatements. Signing up for eStatements will also avoid the $2 paper statement fee.

You’ll have access to over 40,000 Allpoint network ATMs nationwide for fee-free transactions. There are no fees for withdrawals and deposits at BMO branches or ATMs.

BMO Relationship Checking – This is the bank’s premium checking account option, which comes with a few extra customer benefits, such as Relationship Packages – which offer higher levels of benefits the more you bank with them. The account does have a $25 monthly maintenance fee. You can waive this fee when you have one of the following each month:

• A $10,000 minimum daily Ledger Balance for the previous calendar month
• $25,000 in Monthly Combined Balance for the previous calendar month

Features we like include unlimited non-BMO ATM transactions and $25 in monthly rebates on ATM surcharge fees charged by other banks. Fees are also waived on Cashier’s Checks, Money Orders, paper statements and more.

BMO Smart Money Checking – This account has no overdraft fees and no NSF (non-sufficient funds) fees. There is no minimum balance required and no monthly maintenance fee for those under 25 years old, otherwise it’s $5.

You’ll also have unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide with this account.

BMO Relationship Plus Money Market – This is BMO’s premier savings account that gives you access to competitive interest rate. When you bundle this account with one of the checking accounts from above, you will get a market-leading APY. There is a $10 monthly maintenance fee that is waived with a $5,000 minimum daily balance.

READ MORE: ALSO SEE OTHER POPULAR OFFERS FROM CHASE, BANK OF AMERICA, TD BANK AND MORE.

My Impression Of The Offer

Having dived deep into BMO Bank’s latest offers, I felt an immediate inclination towards the combined BMO Relationship Checking + Relationship Plus Money Market accounts. The lure of no state restrictions (meaning it is a nationwide offer) on the bonuses was particularly attractive.

Throughout my journey with BMO, they’ve shown consistent reliability, leaving me with no significant hitches. The Relationship Checking account struck a chord with me – it seamlessly meshes with my daily financial habits. A real lifesaver for me has been the ATM fee rebates. Being someone who often taps into non-BMO ATMs, this feature is nothing short of a boon.

However, I must say that while the promotions appear enticing, they come with their set of strings attached. Case in point, there’s the mandate of qualifying direct deposits within the first 120 days. And oh, don’t forget, these bonuses aren’t free money – they are taxable. Yes, I had to declare mine when tax season rolled around.

Now, while the Relationship Checking felt like my banking soulmate, I recognize that we all dance to different financial tunes. The Smart Advantage Checking and Smart Money Checking may very well strike the right notes for others. It’s all about the unique rhythm of our banking needs.

But, I must express my genuine intrigue with the BMO Relationship Plus Money Market account. This account, dubbed as BMO’s premier savings gem, promises an attractive interest rate. And, bundling it with a checking account? You’re in for a market-topping APY. Though, be mindful of the $10 monthly fee, unless you’re maintaining that $5,000 daily balance.

In wrapping up, my journey with BMO and particularly with this offer has been largely positive. But, I would earnestly suggest that anyone tempted by these offers pause and reflect. Evaluate the nuances of each option, and align it with your financial aspirations and habits. After all, banking is as personal as it gets.

OPEN AN ACCOUNT TODAY BEFORE THE OFFER EXPIRES:

• BMO Smart Advantage Checking Offer
• BMO Smart Money Checking Offer
• BMO Relationship Checking Offer

More from BMO:

• BMO Business Checking $400 & $600 Bonuses [Nationwide] – Ends 12/8/23
• Best BMO Bank Bonuses November 2023 (Up $4,100 Offer)
• BMO Business Platinum Rewards Mastercard® 100,000 Bonus Points
• BMO Bank Checking Bonus: Up To $600 Offers – Ends 12/8/2023
• BMO Bank: How Its $600 Bonus & Banking Solutions Align with Your Long-Term Goals
• BMO Platinum Rewards Mastercard 25,000 Bonus Points ($300 Value)
• BMO Cash Back Mastercard $200 Bonus Cash
• BMO Premium Rewards Mastercard 35,000 Bonus Points ($435 Value)

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.