BMO Harris Bank promotions, bonuses and offers are updated here. Typical promotions have been for $100, $200, $300, $400, $500 and up to $700.
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.
For more current offers, see our bank bonuses page. Popular offers can be had from banks like Chase Bank, HSBC Bank, TD Bank, Aspiration, Bank of America, Huntington and many more.
BMO Harris Promotions Review Below
BMO Harris Bank Bonus: Up To $350 Checking Offer
- What you’ll get: Up to $350 bonus
- Where it’s available:
- Residents of Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, or Florida
- How to earn it:
- Earn one of these Checking bonuses:
- BMO Harris Smart Advantage™ Account or Smart MoneyTM Account $200 bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- BMO Harris Premier™ Account $350 bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
- Earn one of these Checking bonuses:
- When it expires: 1/28/22
There are several offers worth comparing this one to. A few great checking accounts with bonus offers include the Chase Total Checking® ($225 bonus), TD Bank Convenience CheckingSM ($150 bonus), Aspiration Checking ($150 or $200 bonus), Bank Of America Advantage Banking ($100 bonus), Huntington Bank (up to $500 bonus) and HSBC Premier Checking ($450 bonus).
How To Earn The Bonus
- Earn one of these Checking bonuses:
- BMO Harris Smart Advantage™ Account or Smart MoneyTM Account $200 bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- BMO Harris Premier™ Account $350 bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
BMO Harris Smart Advantage™ Account
A checking account with no monthly fees with eStatements.
Benefits include:
- No monthly maintenance fee
- $2 paper statement fee waived with eStatements
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
BMO Harris Premier™ Account
A premium checking account that rewards you with special customer benefits.
Benefits include:
- Unlimited non-BMO Harris ATM transactions
- Get a rebate of $25 monthly on ATM surcharge fees charged by other banks
- Tiered rate of interest – the higher your balance, the more you may earn
- $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
- Fees waived on Cashier’s Checks, Money Orders, paper statements and more
See how each account type handles Monthly Fees below.
BMO Harris Smart Advantage Account
No minimum balance and no monthly fees with eStatements.
BMO Harris Smart Money Account
No monthly maintenance fee if you’re under 25 years old
BMO Harris Premier Account
$25 Monthly Maintenance Fee waived when you have one of the following: $10,000 minimum daily balance, $25,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account
- In order to be eligible for these offers, you must reside in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, or Florida. You can apply online or at a branch.
- To apply online, use the “open now” links above and they will automatically apply the promo code for you.
- Before you apply at a branch, enter your email and click “Send My Promo Code” to receive the promo code you must use when opening your account.
- Offers are limited to one per customer.
- Offers are not available for 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.
- 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 can be changed or cancelled without notice at any time and cannot be combined with any other offer.
- Your account must be open, in good standing and must have a balance greater than zero when the bonus is paid approximately 100 days after opening.
- You are only eligible for one bonus; you cannot open both checking accounts and receive both bonuses.
- Day 1 is the day you open your account and begins the tracking period.
- If you open your account on a day other than a Business Day, Day 1 is the next Business Day.
- The checking account type you have on Day 90 will determine which bonus you are eligible for.
- In order to receive the bonus, you must meet the associated criteria for that account.
BMO Harris Bank Bonus: $200 & $500 Business Checking Offers
- What you’ll get: $200 or $500 bonus
- Where it’s available: 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)
- How to earn it:
- $200 bonus: Open a new BMO Premium Business Checking account. Deposit at least $1,500 within 30 days of account opening. Once your balance reaches $1,500, your balance can not drop below $1,500 for the next 90 days. Have at least 10 electronic transactions post to the account within 90 days of account opening.
- $500 bonus: Open a new BMO Elite Business Checking account. Deposit at least $5,000 within 30 days of account opening. Once your balance reaches $5,000, your balance can not drop below $5,000 for the next 90 days. Have at least 10 electronic transactions post to the account within 90 days of account opening.
- When it expires: 1/31/22
How To Earn The $200 Or $500 Bonus
- $200 bonus: Open a new BMO Premium Business Checking account. Deposit at least $1,500 within 30 days of account opening. Once your balance reaches $1,500, your balance can not drop below $1,500 for the next 90 days. Have at least 10 electronic transactions post to the account within 90 days of account opening.
- $500 bonus: Open a new BMO Elite Business Checking account. Deposit at least $5,000 within 30 days of account opening. Once your balance reaches $5,000, your balance can not drop below $5,000 for the next 90 days. Have at least 10 electronic transactions post to the account within 90 days of account opening.
BMO Premium Business Checking
- First 200 transactions free per statement period
- Waived for the first 3 months: monthly maintenance fee, coin and currency fees and transaction fees
- $15 monthly maintenance fee waived with $1,500 Average Collected Balance
BMO Elite Business Checking
- First 500 transactions free per statement period
- Free incoming wires
- Up to $100 waived on first order of checks ordered through them
- Waived for the first 3 months: monthly maintenance fee, coin and currency fees and transaction fees
- $20 monthly maintenance fee waived with $5,000 Average Collected Balance OR $15,000 in Combined Balances with Relationship Waiver
[Expired] BMO Harris Bank Up To $650 Checking & Money Market Promo
- What you’ll get: Up to $650 bonus
- Where it’s available:
- Up to $650 offer link for residents of Illinois, Wisconsin, Minnesota, Indiana, Arizona, Kansas, or Missouri.
- Up to $350 offer link for residents of Florida.
- How to earn it:
- Earn one of these Checking bonuses:
- BMO Harris Smart Advantage™ Account $200 bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- BMO Harris Premier™ Account $350 bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
- Earn one of these Platinum Money Market bonuses:
- Get a $100 bonus when you deposit $10,000 or more in the first 30 days and then keep it in your account for at least an additional 90 days
- Get a $200 bonus when you deposit $25,000 or more in the first 30 days and then keep it in your account for at least an additional 90 days
- Get a $300 bonus when you deposit $50,000 or more in the first 30 days and then keep it in your account for at least an additional 90 days
- Earn one of these Checking bonuses:
- When it expires: 9/30/2020
How To Earn The Bonus
- Earn one of these Checking bonuses:
- BMO Harris Smart Advantage™ Account $200 bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- BMO Harris Premier™ Account $350 bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
- Earn one of these Platinum Money Market bonuses:
- Get a $100 bonus when you deposit $10,000 or more in the first 30 days and then keep it in your account for at least an additional 90 days
- Get a $200 bonus when you deposit $25,000 or more in the first 30 days and then keep it in your account for at least an additional 90 days
- Get a $300 bonus when you deposit $50,000 or more in the first 30 days and then keep it in your account for at least an additional 90 days
BMO Harris Smart Money™ Account
A low monthly fee checking account with no overdraft or NSF fees.
Benefits include:
- No overdraft or NSF fees
- No minimum balance required
- $5 monthly maintenance fee is waived if you’re under 25
- $2 paper statement fee is waived with eStatements if you’re under 25
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
BMO Harris Smart Advantage™ Account
A checking account with no monthly fees with eStatements.
Benefits include:
- No monthly maintenance fee
- $2 paper statement fee waived with eStatements
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
BMO Harris Premier™ Account
A premium checking account that rewards you with special customer benefits.
Benefits include:
- Unlimited non-BMO Harris ATM transactions
- Get a rebate of $25 monthly on ATM surcharge fees charged by other banks
- Tiered rate of interest – the higher your balance, the more you may earn
- $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
- Fees waived on Cashier’s Checks, Money Orders, paper statements and more
Platinum Money Market Account
- Save with confidence. All accounts are FDIC insured to the maximum allowed by law.
- Establish a savings routine with monthly Auto Save from a BMO Harris checking account.
- Enjoy the flexibility to access your cash when you need it.
- Variable interest rates and APY’s
- Link this account to your personal checking account and help avoid overdraft fees with Overdraft Funding.
See how each account type handles Monthly Fees below.
BMO Harris Smart Money
$5 Monthly Maintenance Fee waived if you’re under age 25
BMO Harris Smart Advantage Account
No minimum balance and no monthly fees with eStatements.
BMO Harris Premier Account
$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
Platinum Money Market Account
There are no monthly maintenance fees.
- In order to be eligible for these offers, you must reside in Illinois, Wisconsin, Minnesota, Indiana, Arizona, Kansas, or Missouri.
- You can apply online or at a branch.
- To apply online, use the “open now” links above and we’ll automatically apply the promo code for you.
- Before you apply at a branch, enter your email and click “Send Me My Coupon Above” to receive the promo code you must use when opening your account.
- Offers A & B can be combined but each are limited to one per customer.
- Offer A is not available for 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 B is not available for existing BMO Harris personal money market or savings customers (including signers on joint accounts) or those who have closed a BMO Harris personal money market or savings account within the past 12 months.
- Offer B is available for existing BMO Harris personal CD or IRA customers (including signers on joint accounts) and those who have closed a BMO Harris personal CD or IRA in the past 12 months.
- Bonuses are 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 can be changed or cancelled without notice at any time, and cannot be combined with any other offer.
- Your accounts must be open, in good standing and must have a balance greater than zero when the bonuses are paid approximately 100 days (Offer A) and 130 days (Offer B) after opening.
*Check back at this page for the latest BMO Harris bank promotions, bonuses and offers.
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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!