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BMO is running a $400 checking account bonus — but heads up, this one's closing fast. The offer window ends September 8, 2026, so if you're eligible, you'll want to move today.
The offer at a glance
Bonus: $400 cash
Eligible accounts: BMO Smart Advantage Checking, BMO Smart Money Checking, or BMO Relationship Checking
Deadline to open: September 8, 2026 (online applications must be submitted and approved by 9:00 p.m. Central Time)
Availability: Primary applicant must reside in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, or WI
How to qualify
Open a new BMO Smart Advantage, Smart Money, or Relationship Checking account by September 8, 2026.
Have a cumulative total of $4,000 in qualifying direct deposits post to the account within 90 days of opening.
Keep the account open, in good standing, and with a balance above zero when the bonus pays out (roughly 100 days after opening).
What counts as a qualifying direct deposit? Regular income from an employer or similar source — salary, paycheck, pension, or Social Security — deposited electronically using your BMO account and routing number. Teller deposits, wires, ATM transfers, Zelle/Venmo, and transfers from other banks do not count.
Which account should you pick?
Account | Monthly Fee | Notable Perk |
|---|---|---|
Smart Advantage Checking | $0 | No minimum balance, extra day to avoid overdraft fees |
Smart Money Checking | $5 ($0 under age 25) | No overdraft fees at all |
Relationship Checking | $25 (waivable) | Interest-bearing, unlimited non-BMO ATM transactions |
Bonus Joe's take
$400 for $4,000 in cumulative direct deposits over 90 days is a solid, straightforward bonus — about as easy as this tier of bank bonus gets, provided you already get paid via direct deposit and live in an eligible state. Smart Advantage Checking is the obvious pick for most readers chasing the bonus alone: no monthly fee, no minimum balance, and no unnecessary extras to manage.
A few things to flag before you apply:
This offer expires tomorrow, September 8, 2026 — don't sit on this one.
You must be a new BMO personal checking client; existing clients and anyone who closed a BMO checking account in the past 12 months are excluded.
The bonus is limited to one per client — you can't open multiple accounts and stack bonuses.
The cash bonus may be reported to the IRS; you're responsible for any taxes owed.
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Already chasing this BMO bonus? Don't leave money on the table at the register too. Ibotta pays you real cash back on everyday groceries and purchases — just link a store loyalty card or scan your receipt, and cash out to PayPal, Venmo, or your bank account. It's free to join, and readers who sign up through our link get a bonus on top.
As always: read the full terms before applying, and only chase a bonus if the account itself is one you'd be happy to keep using.
