Get a $750 Welcome Deposit for eligible new customers who open an 
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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
The $200 Checking bonus renews once again
- Offer expires 06/29/2018
- 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
- To receive the bonus:
- 1) Open a new BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account, or BMO Harris Premier™ Account between January 1, 2018 and June 29, 2018 online by clicking “open now” above.
- 2) 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. They reserve the right to request documentation that the direct deposits qualify.
- 3)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.
- Your account must be open and in good standing when the bonus is paid approximately 120 days after opening.
Fine Print
- If you are opening your account online or by phone, effective August 16, 2017, you must reside in a state that BMO Harris operates retail branches and use that address to open the account.
- BMO Harris currently operates retail branches in Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota and Wisconsin.
- 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.
- For BMO Harris Premier™ Account, the accrued interest will be increased by the amount of the bonus.
Avoid The Monthly Fee
See how each account type handles Monthly Fees below.
Smart MoneySmart AdvantagePremier Account
$5 Monthly Maintenance Fee waived if you’re under age 25
No minimum balance and no monthly fees with eStatements.
$30 Monthly Maintenance Fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account
Author’s Verdict
Take advantage of this $200 offer from BMO Harris Bank while it’s still available, as there’s no guarantee it will renew anytime soon. While BMO Harris frequently offers sign-up bonuses of some kind, this $200 promotion is one of their highest. Keep your account open for at least six months so that you don’t forfeit the bonus.
MoneysMyLife Top Offer Picks  With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
 Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities. Limited time only.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Limited time only. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review  Earn 75,000 miles each year (worth $750) if you spend $25,000 on purchases with the Barclays Arrival® Premier World Elite Mastercard®. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review |
CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. 
Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. 
Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. BMO Harris $200 & $500 Business Checking Bonus
$200 or $500 bonus depending on chosen account
- 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.
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
Top Bank Promotions For Comparison
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.
- HSBC Bank $350 & $750 Checking Account Bonuses
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
- TD Bank Promotions: $300 & $150 Checking Account Bonuses
- Chase Coupon Promo Codes: $200, $300, $350, $500 – June 2018
- BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses
- Chase Premier Plus Checking℠ Bonus: $300 Coupon Offer
- Chase Total Checking Account Bonus: $200 Coupon Available Online
- Chase Bank Business Checking Promotion: $200 Sign-Up Cash Bonus
- Regions Bank Promotions: $200 Checking Account Bonus
- Simple Bank Review & Bonus Offer: Unlimited $20 Referrals
*Check back at this page for the latest BMO Harris bank promotions, bonuses and offers.
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…
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!