BMO: $400 cash bonus* bonus. Included in BankBonus.com's current best checking account promotions list.
Eligible new banking customer
Entitlement facts
Benefit type
Bank account bonus. Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account. Taxonomy definition →
What it unlocks
BMO: $400 cash bonus* bonus
Who qualifies
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
How to activate
Open through the eligible offer path and complete the published requirements.
Cost basis
Deposit or balance activity required. 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.
Cost and fees
Underlying account fees and waiver conditions vary.
Geography
US, Offer-specific
Personalization
Published eligibility is not described as individually targeted.
EVIDENCE / 2 SOURCES
Eligibility is conditional, not guaranteed.
Check the provider's final terms immediately before applying, depositing funds, spending, or changing a paid relationship.
Bonus was as low as $100, but now up to $100. Read our full post Hard pull Unknown if credit card funding is possible Direct deposit required, no minimum
Normally in branch only but can also be opened online. Read our full post Soft pull Can fund up to $2,000 with a credit card Direct deposit not required