BMO $400 Bonus
Checking
$400
Apply Now$4,000 direct deposit
Required to earn the bonus
90 days
Time to complete requirements
Eligible states
ALL
Offer Details & Terms
Bonus Details:
$400 checking bonus (BMO Smart Money Checking, Smart Advantage Checking, or Relationship Checking)
Offer Period:
Open account 01/29/2026 - 05/04/2026 (promo code required).
Bonus Requirement:
Open an eligible new personal checking account and receive $4,000+ in qualifying direct deposits within 90 days of account opening.
Qualifying Direct Deposit:
Regular income deposits from an employer or similar third party (paycheck, pension, Social Security, government benefits) using ACH with your account/routing number.
Non-qualifying examples include teller deposits, wire transfers, ATM deposits, transfers, debit card credits/real-time credits, and P2P (e.g., Zelle-, Venmo).
Payout Timing:
Cash bonus paid approximately 100 days after account opening (account must be open, in good standing, and have a positive balance).
Minimum Opening Deposit:
$25 minimum opening deposit required.
Expires:
May 4, 2026