Here, you can find the latest BMO Harris Bank promotions, bonuses, and deals. Most promotions have given away $100, $200, $300, $400, $500, or even as much as $700.
BMO Harris Bank was founded in 1882 and has its main office in Chicago, Illinois. It is the second largest bank in the state. They now have over 600 branches in Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota, and Wisconsin.
BMO Harris Bank is a traditional bank, so it has a full range of deposit accounts, such as Checking, Savings, Money Market, CD, and IRA products.
Let’s look at what BMO Harris is offering right now.
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BMO Harris Bank Bonus: Up To $500 Checking + Up To $60 Savings Offer
- What you’ll get: Up to $500 Checking + up to $60 Savings bonuses
- Where it’s available: Nationwide
- How to earn it:
- You can choose from the following offers:
- Smart Advantage™ Account: Get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
- Premier™ Account: Get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days
- Smart Money™ Account: Get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
- Plus, open a new Savings Builder account and enjoy the benefit of earning a $5 reward every month you save $200 for the first year (earn up to $60 if you qualify for 12 months).
- You can choose from the following offers:
- When it expires: 9/30/22
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.
For more current offers, see our bank bonuses page. Popular offers can be had from banks like Chase Bank, Bank of America, BMO Harris, TD Bank and many more.
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I just saw a BMO ad about their savings bonus.
I Thought, wow! Let me check that out.
Am SO, SO glad I read these reviews first.
Thanks to all who commented, I have been spared getting scammed.
I will NEVER do business with them.
I opened a smart advantage checking account with BMO Harris after clicking one of their online ads in April 2029 because they promised $300 bonus. I fulfilled each and every requirement and time limits they set. Over 130 days passed since. Numerous calls to their ‘customer service’ line, emails has not produced a result. The BMO Harris bank lied to me to bring my business to them. They promised bonus. They have not delivered. No response why they have not from the customer service line.
Avoid BMO Harris bank if you want the bonus because they do not honor their word.
I’m surprised that they gave you no reason for not paying the bonus. When they cheated me out of my bonus, they DID gave me a reason. Their business checking bonus in summer 2019 required an “opening deposit” of $5000. When they stalled me taking a couple weeks to get the account open, the branch rep then told me to make my FIRST deposit as my “opening deposit” of $5000 and assured me that it would count as the opening deposit required in that promo I deposited the 5000 immediately. Then after they had my $5000 for 90 days and my compliance with all other requirements (on line banking, 10 electronic transactions etc) they decided it would not count as the opening deposit even though it was the very first deposit and was made pursuant to bank instructions. While I argued with them for six months, they changed the promo to remove the words “opening deposit” and allow 30 days to make the opening deposit, a clear requirement I would have met, but they still insisted on claiming that I didn’t make an opening deposit and denying me my bonus based solely on that. MY $5000 deposit was considered a non-opening deposit even though it was the very first deposit and the promo as written had no deadline for making the deposit, 30 days or otherwise. This was all clearly explained to BMO by me numerous times on phone and in writing, but they still refused to pay.
I signed up for a BMO Account and met all of the terms of the bonus offer, with the exception of my account being open. That’s right. They closed my account just to avoid paying me the bonus. AVOID BMO like the plague and do your business elsewhere. These bonus offers aren’t work the paper they are printed on.
Wow, I’m sorry to hear that happened to you. I typically hear good things about BMO honoring their bonus offers. Hopefully this doesn’t become a trend…
I opened the BMO business checking pursuant to the bonus offer last July. The promo at that time required that the “opening deposit” be $5000 so I explicitly and carefully received guidance from the branch rep named Ruquia that I could accomplish this with an online transfer. They stalled me on getting the account open for a couple weeks until Ruquia gave me the all clear and assured me I could make my first “opening deposit” of $5000 with an ach transfer in to qualify as the opening deposit for the promo. After I did that promptly in two days, and kept the funds there for the 90 days required, they decided to refuse to pay me the promo claiming that my first deposit was not an “opening deposit” but some other kind of deposit. I provided emails and records that showed that I had requested and followed guidance from Ruquia to meet the requirements, and BMO branch managers after pretending to listen to me still refused to get this resolved to pay the promo.
DON’T TRUST their promises.
(I have had no problem getting my promos from other banks)
7/29/16: Phone Rep said — “it’s a * HARD TransUnion pull * — only ‘pre-approved Offers’ get Soft-pull”
FYI, while my FICO is sub 600, I rarely am denied setting up a New Ck’g Acct; I’ve setup 15 or so new Acct’s, in last 18 mo’s. Thus, just I ‘avoid Hard Pull requirements’.
Thanks for the tip Bill!