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BMO Bank Bonus Offer

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Expert Analysis & Market Report

As of May 2026, BMO Bank is actively running 2 promotional offers with bonuses up to $1,500. provides competitive bonuses while maintaining personalized service.

Offer Update History - Latest May 7th, 2026

  • Updated @ May 7th, 2026: Personal Checking: expiration 2026-05-04 -> 2026-09-08
  • Updated @ May 2nd, 2026: Business Checking: bonus 1000 -> 1500
  • Updated @ May 2nd, 2026: Business Checking: expiration 2026-04-30 -> 2026-08-31

Personal Checking

BMO Bank

Personal Checking

$400
Sign-up Bonus
Region:Nationwide
Direct Link:https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/
Offer Expires:Sep 8, 2026
!
Bonus Requirement & Tips:
-To receive the personal checking new account cash bonus of $400:
-Open a new BMO Smart Money Checking, BMO Smart Advantage Checking or BMO Relationship Checking account; and
-Have a cumulative total of $4,000 in qualifying direct deposits post to your account within 90 days of account opening.
-Direct Deposit is Required
-No account in past 12 months

Business Checking

BMO Bank

Business Checking

$1,500
Sign-up Bonus
Region:Nationwide
Direct Link:https://www.bmo.com/en-us/main/business-banking/bank-accounts/bb-checking-offer/?COID=BCHK-10074U-BCHKDSC&ecid=ot-9032025SMB4-KMUM21
Offer Expires:Aug 31, 2026
!
Bonus Requirement & Tips:
-Can be opened online in AZ, FL, IL, IN, KS, MO, MN and WI. Out of state applications are allowed in branch.
-Bonus Requirements: For a $750 bonus,: by day 30, balance must be $25k+ and maintain that balance from days 31-90.
-For a $400 bonus,: by day 30, balance must be $4K+ and maintain that balance from days 31-90.
-For a $1000 bonus,: by day 30, balance must be $50K+ and maintain that balance from days 31-90.
-For a $1500 bonus,: by day 30, balance must be $100K+ and maintain that balance from days 31-90.
-Chex sensitive

Frequently Asked Questions (FAQ)

Does BMO Bank require direct deposit for the bonus?

BMO Bank typically requires qualifying direct deposits for checking bonuses. Requirements vary by offer - check specific terms for minimum amounts and timeframes.

Is the BMO Bank bonus offer available nationwide?

BMO Bank is primarily available in Nationwide and surrounding areas. Check branch locations to confirm availability in your area.

Can I earn an extra referral bonus at BMO Bank?

BMO Bank may offer referral bonuses to existing customers. Contact the bank directly to inquire about current referral programs.

Is the BMO Bank welcome bonus once per lifetime?

BMO Bank typically limits bonuses to new customers who haven't held a similar account in the past 12-24 months. Terms vary by promotion.

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