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.
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BMO Harris Smart Advantage™ Account — up to $300 Bonus
BMO Harris is offering a up to $300 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. 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
(Offer expires 9/30/2022)
BMO Harris Smart Money™ Account — $300 Bonus
There is also the BMO Harris Smart Money™ Account with a $300 cash bonus* when you open an account and have a total of $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
(Offer expires 9/30/2022)
BMO Harris Premier™ Account — up to $500 Bonus
If you have a larger direct deposit available, BMO Harris will give you a up to $500 bonus* when you open a BMO Harris Premier™ Account and when you have a total of 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
(Offer expires 9/30/2022)
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 – $300, $700, or $1,500
Citi Priority is offering $300, $700, or $1,500 bonus when you open an account by 7/17/2022. Then, within 20 days of opening your account, deposit at least $15,000 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 $15,000.
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 WH622 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.
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!
SoFi Money – up to $300
SoFi Money will give you up to $300 if you open an account and make direct deposits of at least $1,000. The bonus will be based on the total amount of those direct deposits in a 30-day evaluation period.
HSBC Premier Checking – $450
HSBC has an offer where you can get $450 for eligible new customers who open an HSBC Premier checking account and make recurring monthly qualifying direct deposits of at least $5,000 for 3 consecutive months.
Huntington Bank – up to $300
If you are a resident of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin then you could get up to $300 from Huntington Bank for opening a new checking account. There are several checking accounts that qualify but they’re great offers if you live in their geographic region.
TD Bank – $300 or $150
TD bank has two bank offers for checking accounts and both are fairly easy to attain. For example, get $300 when you open a TD Beyond Checking account and receive direct deposits of $2,500 or more within 60 days of opening your account.
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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