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- BMO Harris Promotions
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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 & $500 Personal Checking Bonuses
- No set expiration date for offer – may end at any time
- 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 Bonus
EARNING THE BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
How To Earn The $200 Bonus:
- Mention or use the promo code when you open a new BMO Harris Smart Money™ Account or BMO Harris Smart Advantage™ Account 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 coupon email sent to you, we’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.
- They reserve the right to request documentation that the direct deposits qualify.
- 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.
How To Earn The $500 Bonus:
- Mention or use the promo code when you open a new BMO Harris Premier™ Account with at least $25,000 not currently on deposit at BMO Harris Bank N.A. or its affiliates.
- You may open the account 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 coupon email sent to you, we’ll automatically apply the $500 bonus promo code for you.
- Maintain your $25,000 balance for 120 days.
- 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.
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
See how each account type handles Monthly Fees below.
Smart Money
$5 Monthly Maintenance Fee waived if you’re under age 25
Smart Advantage
No minimum balance and no monthly fees with eStatements.
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
- 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.
Author’s Verdict
Take advantage of this $200-$500 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/$500 promotion is one of their highest. Keep your account open for at least six months so that you don’t forfeit the bonus.
BMO Harris $200 & $500 Business Checking Bonus
- Offer expires 10/31/2019
- 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 November 1, 2018 and October 31, 2019.
- 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 November 1, 2018 and October 31, 2019.
- 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
Other Bank Offers You May Like
The best bank promotions are updated here. See the below pages to get started with some of the best offers:
- Chase Bank Offers. Read about several offers for their Checking, Savings and Business accounts. Chase usually offers the most sign-up bonuses of all the big banks.
- HSBC Bank Offers. Some big value offers available for their Checking accounts, with some requiring hefty deposits to qualify. They also have an online Savings account offering a very competitive rate.
- TD Bank Offers. TD Bank consistently offers great Checking account bonuses all year long. Savings account offers are less frequently available.
- CIT Bank Offers. Sign-up bonuses haven’t been available lately, but their online Savings and Money Market rates are some of the best nationwide.
- BBVA Compass Offers. Bonus offers for their Checking accounts are only available for limited periods throughout the year. They also have great options for those looking for a free Checking account (no monthly fees).
*Check back at this page for the latest BMO Harris bank promotions, bonuses and offers.
FEATURED PROMOTIONS
| OFFER LINK | OFFER | OUR REVIEW |
| Chase Premier Plus Checking℠ | $300 Cash | Review |
| Chase Total Checking® + Chase Savings℠ | $350 Cash | Review |
| Chase Total Business Checking® | $300 Cash | Review |
| Chase Sapphire℠ Checking | 60,000 Points | Review |
| Chase Private Client | $1,250 Cash | Review |
| Chase College Checking℠ | $100 Cash | Review |
| HSBC Premier Checking. Member FDIC | $750 Cash | Review |
| HSBC Advance Checking. Member FDIC | $350 Cash | Review |
| HSBC Choice Checking. Member FDIC | $200 Cash | Review |
| HSBC Direct Savings. Member FDIC | 2.25% APY | Review |
| HSBC Cash Rewards Mastercard® credit card | $150 Cash | Review |
| TD Bank Premier Checking℠ | $300 Cash | Review |
| CIT Bank Savings Builder | 2.45% APY | Review |
| Barclaycard Arrival Plus® World Elite Mastercard® | 70,000 Miles | Review |
| Ally Invest | $3,500 Cash | Review |
| TD Ameritrade | $600 Cash | Review |
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!