BMO checking account bonuses

Business offerPublic offer

1. Open BMO Digital, Simple, Premium or Elite Business Checking through the official offer between 09-01-2026 and 02-01-2027 with at least $100. Online applications must be submitted before 9 p.m. Central Time on the final day.
2. Use the official online opening button for automatic promo-code application; for branch opening, request and present the code supplied by BMO's offer form.
3. On day 30 have at least $4,000 for $400, $25,000 for $750, $50,000 for $1,000 or $100,000 for $1,500. Keep that minimum daily balance from day 31 through day 90.
4. Dropping below the assigned tier can reduce the bonus to the lowest tier reached; dropping below $4,000 fails the minimum. Increasing funds after day 30 does not raise the assigned bonus.
5. Keep the eligible business account open, in good standing and with a positive balance through bonus payment.

For Simple Business Checking, maintain at least a $100 average collected balance per statement period. Other eligible products have different fees and waiver thresholds; see the account-options section.

Regional offer

1. Open an eligible new BMO personal checking account through the official offer between 09-09-2026 and 12-15-2026 with at least $25. Online applications must be submitted and approved before 9 p.m. Central Time on the final day.
2. Use the offer page's online opening button to apply the promo code automatically. For branch or phone opening, request the code from BMO's offer form and use it when opening.
3. Beginning the month after opening, receive at least $1,000 in qualifying income direct deposits per calendar month to earn $100 for that month, up to $600 over six months.
4. Keep an eligible checking account open, in good standing and with a positive balance when each monthly bonus is paid.