Personalized banking built around you
Earn a $400 cash bonus footnote 1
Earn a $400 cash bonus footnote 1 when you open a BMO personal checking account.
$400 cash bonus footnote 1
$5 monthly maintenance fee or $0 if you're under age 25
No minimum balance required footnote 2- Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
- Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more
- Access to Mastercard ID Theft Protection® on your BMO Debit Mastercard® footnote 4
- No Overdraft Fees footnote 5 for added peace of mind
$400 cash bonus footnote 1
$0 monthly maintenance fee
- No minimum balance required footnote 2
- Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
- Bank on the go with BMO Digital Banking footnote 3 - Pay your bills, transfer money and more
- Access to Mastercard ID Theft Protection®on your BMO Debit Mastercard® footnote 4
- Get an extra day to avoid Overdraft Fees footnote 6
$400 cash bonus footnote 1
$25 monthly maintenance fee or $0 if waived
- Relationship Packages footnote 7 that offer more perks the more you bank with BMO
- Unlimited Non-BMO ATM Transactions footnote 8
- Surcharge rebates for ATM fees charged by other banks (up to $25 per monthly statement period)
- Interest earned on your checking balance
- Access to Mastercard ID Theft Protection® on your BMO Debit Mastercard® footnote 4
- Get an extra day to avoid Overdraft Fees footnote 6
Earn up to $60 in savings rewards with Savings Builder
Open a new Savings Builder account and earn a $5 reward every month you grow your balance by $200 or more for the first year. footnote 9
- Enjoy no monthly maintenance fee.
- Start saving with a low minimum opening deposit of just $25.
- Feel secure knowing your money is FDIC insured. footnote 10
- Automate your savings with recurring transfers footnote 11 from your checking account.
Stay in control with next day grace
When you need it, BMO gives you an extra day to cover account overdrafts and avoid Overdraft Fees footnote 6 because peace of mind is priceless.
Enjoy exclusive fan benefits
Repping your favorite team comes with perks - show your spirit with BMO's Fan Card Debit Mastercard® and get in on exclusive rewards!
Prefer to apply in person or on the phone?
Just give us a few details to get your promo code and use it when you apply.
By providing your contact information, you agree to be contacted by a BMO banker about opening your BMO account and related banking opportunities.
Visit your local branch or call 1-800-546-6101 to make an appointment.
Footnote 1 detailsTo take advantage of the new personal checking account cash bonus offer, you must open your account between January 29, 2026 and May 4, 2026, and use the promo code. You may open your account at a BMO branch, online, or by calling 1-800-546-6101.
To apply for a checking account online, click through to the personal checking account cash bonus offer page, select “OPEN IN MINUTES,” for the checking account of your choice and we’ll automatically apply the promo code for you.
To apply at a branch or by phone for a checking account, click through to the personal checking account cash bonus offer page, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.
Accounts opened online on May 4, 2026 must have their applications submitted and approved prior to 9:00 p.m. CT. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by May 4, 2026.
To receive the personal checking new account cash bonus of $400:
Open a new BMO Smart Money Checking, BMO Smart Advantage Checking or BMO Relationship Checking account; and
Have a cumulative total of $4,000 in qualifying direct deposits post to your account within 90 days of account opening.
Business Days are Monday through Friday excluding any holiday on which the Bank and/or the Federal Reserve are closed for processing. Transactions received or occurring on a day other than a Business Day will be posted the next Business Day. Tip: If the 90th calendar day falls on a Saturday, Sunday or Bank holiday, the cumulative total qualifying direct deposits must be received no later than the last Business Day preceding the 90th calendar day.
Offer is limited to one per customer and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal checking customers (including trustees and signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Cash bonus may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer. If your balance is zero, we may close your account. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid.
Qualifying direct deposits are deposits of regular income from an employer or similar third party - such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account - using your account number and BMO’s routing number that you provide to them. We reserve the right to request documentation that the direct deposits qualify. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, BMO Digital Banking transfers or deposits, deposits processed as a debit card credit or real-time credit, transfers from any bank or brokerage account, and Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers.
You are only eligible for one checking account cash bonus; you cannot open multiple checking accounts and receive multiple cash bonuses. The promo code is applied to the first Smart Money Checking, Smart Advantage Checking, or Relationship Checking account that is opened between January 29, 2026 and May 4, 2026. Day 1 is the day you open your account and begins the tracking period. If you open your account on a day other than a Business Day, Day 1 is the next Business Day. Your account must be Smart Money Checking, Smart Advantage Checking, or Relationship Checking when the cash bonus is paid into the checking account approximately 100 days after account opening.
Minimum opening deposit of $25 is required for BMO personal checking accounts. BMO Relationship Checking is a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of January 29, 2026, and are subject to change at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmo.com.
Footnote 2 detailsAccounts with zero balance may be closed.
Footnote 3 detailsMessage and data rates may apply. Contact your wireless carrier for details.
Footnote 4 detailsCertain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.
Footnote 5 detailsItems that overdraw the account are returned and ATM/everyday debit card transactions are declined.
Footnote 6 detailsFor important information regarding overdraft services, please visit www.bmo.com/overdraft.
Footnote 7 detailsTo access the benefits in a particular Relationship Package, you must have a BMO Relationship Checking account. See the Deposit Account Disclosure for details.
Footnote 8 detailsA Non-BMO ATM Transaction is any transaction conducted at a Non-BMO ATM, including, for example, a withdrawal, transfer, or balance inquiry. No BMO fee; however, the ATM owner or operator may charge you a surcharge fee for a withdrawal, transfer, or balance inquiry.
Footnote 9 detailsFor every month your Savings Builder account balance grows by at least $200, we will credit the account with a $5 savings reward within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare the Ledger Balance on the last Business Day of the previous month to the Ledger Balance on the last Business Day of the current month. Interest and savings reward payments will not count towards your balance growth. Tip: Deposits made on weekends and holidays will not be processed until the next Business Day. To ensure your deposit is counted for the current month, avoid scheduling your recurring transfer or deposits towards the end of the month.
Your account is eligible for 12 savings rewards beginning with the month your account is opened. The first savings reward is based on your savings growth from the Business Day the account is opened through the last Business Day of that month. If your initial deposit is not received until the month after account opening, the account will only be eligible for 11 savings rewards.
Your account must be open when the savings rewards are paid. Savings rewards may be reported to the IRS for tax purposes and you are responsible for any applicable taxes.
Exclusions:
Savings rewards are available for new accounts only. An account switched into Savings Builder from a different product is not eligible for savings rewards.
Savings rewards are limited to one Savings Builder account per customer as the Primary Account Owner. Only your first account opened is eligible for savings rewards.
You are not eligible to receive savings rewards if you have previously opened a Statement Savings account between February 3, 2020 and October 18, 2021, and participated in the Statement Savings account – Savings Rewards offer.
Minimum opening deposit of $25 is required for Savings Builder accounts. Savings Builder is a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of January 29, 2026, and are subject to change at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmo.com.
Footnote 10 detailsPlease visit the FDIC website for current deposit insurance limits.
Footnote 11 detailsIf you make an Internal Transfer on a weekend or holiday, we'll credit the payment the same day, but we'll post the payment on the next Business Day.
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