This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
Earn either a $200 bonus or a $350 bonus for a new checking account from BMO Harris.
Direct deposit will be required for either offer. The checking account options for this promotion include basic options for everyday banking to a premium option for more benefits.
- Update 1/19/2023: Offer has been extended until 5/12/2023. Details below.
See the Posts History below for all BMO Harris offers.
BMO Harris Bank Checking Promotion: $200 Or $350 Bonus

- What you’ll get: $200 or $350 bonus
- Where it’s available: Nationwide
- How to earn it: Choose from one of the following offers.
- Get a $350 bonus when you open a new Premier account and have a cumulative total of $7,500 in qualifying direct deposits in the first 90 days.
- Get a $200 bonus when you open a new Smart Advantage account or Smart Money account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days.
- When it expires: 5/12/2023
Account Features
BMO Harris Smart Advantage™ Account – 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 Harris branches or ATMs.
BMO Harris Premier™ Account – 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 $25,000 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 Harris 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 Harris Smart Money™ Account – 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.
Posts History for BMO Harris bank offers:
- BMO Harris Business Platinum Rewards Mastercard® 100,000 Bonus Points
- Best BMO Harris Bank Bonuses, Promotions of January 2023
- BMO Harris Business Checking $250 & $400 Bonuses [Nationwide] – Ends 1/31/23
For more current offers, see our bank bonuses page. Popular offers can be had from banks like Chase Bank, Bank of America, TD Bank and many more.
Read more: See the best bank promotions here and the best investing promotions here.