How to earn the bonus
- 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.
- 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.
- 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.
- Keep an eligible checking account open, in good standing and with a positive balance when each monthly bonus is paid.
Promo code
Promo code required — provided through the official offer.
Direct deposit and qualifying activity
Starting the calendar month after opening, receive at least $1,000 in cumulative qualifying income direct deposits each month to earn $100 for that month, during a fixed six-month tracking window. A missed month does not disqualify later months or extend the window. Bank/brokerage transfers, peer-to-peer payments, merchant payments, wires, teller/ATM deposits and debit-card or real-time credits do not qualify.
Six calendar months, beginning the first day of the month after opening. Each month is assessed separately; this is not a single $600 payment for one deposit.
Minimum opening deposit
$25
Offer timeline
Open the account
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.
Complete requirements
Six calendar months, beginning the first day of the month after opening. Each month is assessed separately; this is not a single $600 payment for one deposit.
Expected bonus payout
Each qualifying month's $100 bonus is paid approximately 10 days after the start of the following month; up to six monthly payments.
Account closure and payout conditions
Remain in an eligible checking product, open and in good standing, with a balance above zero at each payment.
Monthly fee and how to waive it
$0
No monthly maintenance fee. Other account fees may apply.
Eligibility and previous-customer rules
New-customer rule
Existing BMO personal checking clients and anyone who closed a BMO personal checking account in the previous 12 months are excluded, including trustees, signers and joint owners.
Previous-bonus rule
One checking bonus offer per client and account; multiple checking accounts do not earn multiple offers.
Other restrictions
Cannot be combined with another offer; bank may request proof that direct deposits are qualifying income. Account approval required.
Availability
The primary applicant must reside in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA or WI at application. Proof of address may be required.
Eligible locations: AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI.
Deadline, payout and account closure
Offer ends
Online applications must be submitted and approved before 9 p.m. Central Time on 12-15-2026. For phone opening, BMO must receive the opening deposit and signed documents by that date.
Expected bonus payout
Each qualifying month's $100 bonus is paid approximately 10 days after the start of the following month; up to six monthly payments.
Closure and payout conditions
Remain in an eligible checking product, open and in good standing, with a balance above zero at each payment.
Choose the checking product carefully
The comparison lists Smart Advantage Checking, which has no monthly maintenance fee. The same checking promotion also includes Smart Money ($5 monthly, or $0 if under age 25) and Relationship ($25 monthly, unless its separate waiver conditions are met). Review the account’s own fee disclosure before choosing another product. Only one checking cash-bonus offer is available per client.
Separate savings rewards
BMO also advertises a separate Savings Builder reward. It is not included in this checking offer’s $600 maximum and requires a separate account and savings activity.