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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, Minnesota, Missouri, Nevada, 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 our complete Bank Promotions List
BMO Harris Bank $200 Checking Bonus
The $200 Checking bonus renews once again
- Offer expires 03/30/2018
- Eligible accounts include the Smart Money, Smart Advantage, or BMO Harris Premier Account
- You must use your promo code for the offer (click “Send me my coupon” for your code or apply online to have the promo code automatically applied)
- 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 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
- 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.
- For BMO Harris Premier™ Account, the accrued interest will be increased by the amount of the bonus.
- Minimum opening deposit of $25 is required for BMO Harris personal checking accounts.
Avoid The Monthly Fee
See how each account type handles Monthly Fees below.
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. Be sure to set up the two direct deposits with a combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of $300 each within 90 days. Keep your account open for at least six months so that you don’t forfeit the bonus.
MoneysMyLife Top Offer Picks  Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review |
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. 
Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival® Premier World Elite Mastercard®. Without an initial sign-up bonus, 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 regardless of category. 
The HSBC Cash Rewards Mastercard® has a sign-up bonus of $150 when you spend at least $500 on purchases within the first 3 months of account opening. This credit card will also earn an ongoing 1.5% cash rewards rate on all purchases and has no foreign transaction fees. There is no annual fee with this card. 
CIT Bank is offering a 1.75% 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 has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. 
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 $500 Checking/Savings Bonuses
Unfortunately, the $500 bonus offers for new Checking and Savings accounts are not available online. These offers are being mailed out to targeted markets and individuals. You have to bring in the original mailer to be eligible for the offers. It doesn’t hurt to print out the flyer to bring into a branch to see if the banker will allow it.
- $500 offers are constantly changing. Current offers expire on October 27, 2017. We don’t have the current flyer, but the promo code should be the updated one.
- Promo code on flyer: DMSEP17CHK500 (Past promo codes for reference: DMB2JUN17CHK500, DMMAR17MY500, DMJAN17MY500)
- The Checking offer is for a $300 bonus
- Qualifying checkings accounts include BMO Harris Everyday Checking, BMO Harris Select Checking, or BMO Harris Portfolio Checking
- The $300 bonus Checking offer requires 2 direct deposits within 90 days of $300 or more
- The Statement Savings account offer is for a $200 bonus
- You must open with at least $15,000 and maintain that balance for 90 days
Next Page: BMO Harris $250 Bonus…
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!