BMO Harris Bank $200 – $500 Personal & Business Checking Bonuses

BMO Harris Bank promotions, bonuses and offers are updated here. Typical promotions have been for $100, $200, $300 and up to $500.

BMO Harris Bank was established in 1947 and is headquartered in Chicago, Illinois, and they are the state’s 2nd largest bank. They have grown to over 600 branches throughout Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota and Wisconsin.

Being a traditional banking institution, BMO Harris Bank offers a full line of deposit accounts, including Checking, Savings, Money Market, CD and IRA products. Rates won’t be able compete with the best Savings and CD accounts provided by online banks. See the best Savings rates here, and the best CD rates here.

See the current promotions below.

*Today’s top bonus: Chase Checking & Savings offer | See the complete Bank Promotions List

BMO Harris Bank $200 Personal Checking Bonus

• Offer expires 10/31/2018
• Eligible accounts include the Smart Money, Smart Advantage, or BMO Harris Premier Account
• You must use your promo code for the offer (click “Open Now” to have the promo code automatically applied when applying online)
• Offer available in AZ, FL, IL, IN, KS, MO, MN and WI (you must reside in a state that BMO Harris operates retail branches and use that address to open the account)
• Direct Deposit IS required for the bonus (see options)
• Account application may trigger a Hard credit inquiry, which does affect your score. Pre-approved offers trigger a Soft Pull, which doesn’t affect your credit.
• You can fund the opening deposit with a credit card up to $1,000
• Offer not available to existing BMO Harris personal checking customers or those who have closed an account within the past 12 months

How To Earn The $200 Bonus

• Mention the promo code when you open a new BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account, or BMO Harris Premier™ Account between August 31, 2018 and October 31, 2018 in a BMO Harris branch, by calling 1-866-362-1166, or online at bmoharris.com. If you apply online by clicking “open now” above or in the email sent to you, they’ll automatically apply the $200 bonus promo code for you.
• Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of $500 or more each electronically deposited into the account from an employer or outside agency within 90 days of opening.
• Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard® post to your account within 90 days of account opening.

Fine Print

• • Offer is not available to 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.
  • Offer cannot be combined with any other offer and is limited to one per account.
  • They reserve the right to amend or cancel any part of this offer.
  • Bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes.
  • You are responsible for any applicable taxes.
  • Your account must be open and in good standing when the bonus is paid approximately 120 days after opening.

Avoid The Monthly Fee

See how each account type handles Monthly Fees below.

BMO Harris $200 & $500 Business Checking Bonus

• Offer expires 10/31/2018
• Eligible accounts include the Essential Business Checking & Business Advantage Checking
• You must use your promo code for the offer (click “Send me my bonus promo code” for your code
• Offer available in AZ, FL, IL, IN, KS, MO, MN and WI (you must reside in a state that BMO Harris operates retail branches and use that address to open the account)
• Account application will trigger a Soft credit inquiry (may be Hard Pull/see link), which does affect your score. Pre-approved offers trigger a Soft Pull, which doesn’t affect your credit.
  • You can fund the opening deposit with a credit card up to $1,000
• Offer not available to existing BMO Harris personal checking customers or those who have closed an account within the past 12 months

How To Earn The $200 Or $500 Bonus

• You can receive either the $200 checking bonus or the $500 checking bonus.
• To receive a checking bonus, you must open the account in a BMO Harris branch and present the promo code email from BMO Harris.
• Your account must be open and in good standing when the bonus is paid approximately 120 days after opening.
• Offers are not available to existing BMO Harris business checking customers or those who have closed a BMO Harris business checking account within the past 12 months.
• Bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes.
• You are responsible for any applicable taxes.
• Offers are subject to change without notice, cannot be combined with any other offer and are limited to one per customer.
• BMO Harris reserves the right to amend or cancel any part of these offers at any time.
• The minimum deposit to open a small business checking account is $100, however to receive the bonus you must open the account with the minimum as stated below.
• To receive the $200 checking bonus:
  • 1) Open a new Essential Business Checking account between January 16, 2018 and October 31, 2018.
  • 2) Make a minimum opening deposit of $1,500 in funds not currently on deposit at BMO Harris Bank or its affiliates.
  • 3) Have a collected balance of at least $1,500 in the account at the end of 90 days following account opening.
  • 4) Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.
• To receive the $500 checking bonus:
  • 1) Open a new Business Advantage Checking account between January 16, 2018 and October 31, 2018.
  • 2) Make a minimum opening deposit of $5,000 in funds not currently on deposit at BMO Harris Bank or its affiliates.
  • 3) Have a collected balance of at least $5,000 in the account at the end of 90 days following account opening.
  • 4) Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.

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BMO Harris $250 Checking Bonus

The other personal Checking account offer from BMO Harris is for a $250 bonus, but it’s only available to Bank at Work and Group Banking Services customers.

This bonus will require direct deposit.

How To Get The $250 Bonus

• Receive up to a $250 cash bonus when you open the following new products and services:
  • $100 cash bonus when you open a new personal checking account with qualifying direct deposits
  • $50 cash bonus when you also open a new Statement Savings account with $1,000 new money
  • $50 cash bonus when you also open a new BMO Harris Health Savings Account
  • $50 cash bonus when you also sign up for eStatements

I recommend taking a look at the offers from Chase Bank, TD Bank, HSBC and CIT Bank first. See them all on this Bank Bonuses Page.

• CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
• TD Bank Promotions: $300 & $150 Checking Account Bonuses
• BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses
• Chase Student Checking Promotions: $100 Chase College Checking℠ Bonus
• Chase Bank Business Checking Promotion: $200 Sign-Up Cash Bonus
• Chase Total Checking Account Bonus: $200 Coupon Available Online
• Chase Coupon Promo Codes: $200, $300, $350, $500 – September 2018
• HSBC Bank $350 & $750 Checking Account Bonuses
• Chase Premier Plus Checking℠ Bonus: $300 Coupon Offer
• Simple Bank Review & Bonus Offer: Unlimited $20 Referrals

*Check back at this page for the latest BMO Harris bank promotions, bonuses and offers.