{"id":"bankbonus-index-best-checking-account-promotions-bmo-400-cash-bonus-bonus","name":"BMO: $400 cash bonus* bonus","provider":"BMO","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"BMO: $400 cash bonus* bonus. Included in BankBonus.com's current best checking account promotions list.","benefit":{"description":"BMO: $400 cash bonus* bonus","estimated_value_usd":400},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new banking customer"],"requirements":"Open a new BMO Smart Money Checking, BMO Smart Advantage Checking or BMO Relationship Checking account using the link below between 6/30/26 – 9/8/26 Within 90 days, have a total of $4,000 in qualifying direct deposits. If qualifications are met, bonus is paid approximately 100 days after account opening. *Conditions apply. Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC","activation":"Open through the eligible offer path and complete the published requirements.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"Underlying account fees and waiver conditions vary.","personalized":false,"regions":["US","Offer-specific"],"expires":"September 8, 2026"},"status":"directory-listed","last_checked":"2026-08-04","claim_url":"https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/","source_url":"https://bankbonus.com/#bmo-harris-bank-personal-checking-bonus-offer","source":{"primary_url":"https://bankbonus.com/#bmo-harris-bank-personal-checking-bonus-offer","evidence":[{"source":"BankBonus.com","url":"https://bankbonus.com/#bmo-harris-bank-personal-checking-bonus-offer","kind":"directory","checked_at":"2026-08-04"},{"source":"Bank or credit-union offer path","url":"https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/bankbonus-index-best-checking-account-promotions-bmo-400-cash-bonus-bonus","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}