BMO Harris Bank Promotions: Up to $350 for a New Checking Account

BMO Harris is an FDIC insured bank based in Chicago, IL and has over 500 locations spread out across eight states.

BMO Harris Bank isn’t as well known as some of the other banks we cover but their promotions will get your attention.

As of this writing, they have three active personal account bonuses you should check out. They frequently run consumer banking promotions and we will update those as soon as they release more information about those offers.

Table of Contents
  1. BMO Harris Smart Advantage™ Account — $200 Bonus
  2. BMO Harris Smart Money™ Account — $200 Bonus
  3. BMO Harris Premier™ Account — $350 Bonus
  4. How Does This Offer Compare?

🔃Updated January 2023: The expiration date on these offers was revised to May 12th, 2023.

BMO Harris Smart Advantage™ Account — $200 Bonus

BMO Harris is offering a $200 bonus* when you open a BMO Harris Smart Advantage™ Account and when you have a total of $4,000 or more in qualifying direct deposits within the first 90 days. It is a very straightforward offer that is available nationwide.

The BMO Harris Smart Advantage™ Account is great because there is no monthly fee if you used Paperless Statements.

*Conditions apply

👉 Learn more about this offer

(Offer expires 5/12/2023)

BMO Harris Smart Money™ Account — $200 Bonus

There is also the BMO Harris Smart Money™ Account with a $200 cash bonus* when you open an account and have at least $4,000 or more qualifying direct deposits within the first 90 days. There are no overdraft fees or NSF fees*. No minimum balance required and no monthly maintenance fee if you’re under 25 years old.

Available nationwide.

*Conditions apply

👉 Learn more about this offer

(Offer expires 5/12/2023)

BMO Harris Premier™ Account — $350 Bonus

If you receive a larger paycheck, BMO Harris will give you a $350 bonus* when you open a BMO Harris Premier™ Account and when you have at least $7,500 in qualifying direct deposits within the first 90 days. There are no additional requirements, it’s just a higher direct deposit total amount over the 90 days.

The account does have a $25 waivable monthly maintenance fee with unlimited non-BMO Harris ATM transactions plus $25 monthly rebate on ATM fees from other banks and a Relationship Package that provides increasing rewards across multiple products sets the deeper your relationship is with the bank. Also available nationwide.

*Conditions apply

👉 Learn more about this offer

(Offer expires 5/12/2023)

How Does This Offer Compare?

The BMO Harris offer is a solid one but this is how it compares with some other nationally available bank offers:

⭐Citi Priority Account – up to $2000

Citi Priority is offering up to $2000 bonus when you open an account by 4/4/2023. Then, within 20 days of opening your account, deposit at least $10,000 in New-to-Citi® funds and keep it there for 60 days after the 21st day. The bonus amount is based on how much you can transfer but the lowest tier starts at $10,000.

👉 Click here to learn more

Discover Online Savings Account – $150 or $200

Discover Bank is offering a $150 or $200 bonus when you open your first Discover Online Savings Account with the promotion code WH323 and deposit at least $15,000 into the account within 30 days. You get $150 if you deposit $15,000 or more and $200 if you deposit $25,000.

👉 Click here to learn more

Bank of America – $100 Bonus Offer

Bank of America offers a $100 Bonus Offer cash bonus if you open a new account and set up and receive qualifying direct deposits totaling $1,000 or more into that account within 90 days of account opening. It has a monthly fee that is easy to have waived.

👉 Click here to learn more

Chase Total Checking® – $200

Chase Bank will give you $200 when you open a Total Checking account and set up direct deposit within 90 days. There is a $12 monthly fee that is waivable with a monthly direct deposit of just $500, so no gotchas on this deal!

👉 Click here to learn more

Albert – $150

Albert will give you $150 when you open an account and receive a qualifying direct deposit of at least $500 within 45 days and spend at least $200 on goods and services every 30 days for 90 consecutive days with your Albert debit card.

Click here to learn more

As with any bank offer, BMO Harris or otherwise, make sure to review this guide on bank account bonuses – I share tips on how to make sure you get the bonus you earned with as little headache as possible.

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About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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