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Get up to $1,400§ in value with us

This includes up to a $700 cash bonus*, a $50 Walmart Canada eGift Card* and a 4.75% promo interest rate** when you open a chequing and a Savings Amplifier Account.

Up to $1,400§ in value

Performance

Chequing Account

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New to Canada?

Enjoy no monthly fees for a year*69 when you open a Performance chequing account
FIND OUT HOW

Just want the basics?

Earn a * bonus when you open a Plus Plan Chequing Account online!

STEP 1Chequing Account Offer

Earn $500 when you open a new BMO Performance or Premium Plan Chequing Account and make a deposit of any amount by September 30, 2025.

Complete two of the following by November 28, 2025:

  • Set up a recurring direct deposit of at least $500; and/or
  • Make two eligible online bill payments of at least $50 to different billers; and/or
  • Set up two eligible pre-authorized debits of at least $50 to different billers.

STEP 2Savings Account Offer

  • Earn a $50 Walmart Canada eGift Card when you open a Savings Amplifier Account by September 30, 2025 and deposit any amount by October 31, 2025.
  • Earn $150 when you open a Savings Amplifier Account by September 30, 2025 and complete the following:
  • Deposit a total $10,000 or more into the Savings Amplifier Account within the first 30 calendar days of opening the Savings Amplifier Account;
  • After the initial 30-calendar day period from the Savings Amplifier Account open date, maintain a daily closing balance of $10,000 or more at all times for an additional 90 calendar days.
You must complete step one to qualify for step two.

STEP 3Family Bundle Offer

Earn an extra $50 when you invite a family member as part of a BMO Family Bundle and have them open their account by September 30, 2025.
You must complete step one to qualify for step three.

Get a promotional interest rate with our Savings Amplifier Account

You’ll get a  interest rate** guaranteed for up to 120 days when you add it to a new Performance or Premium Chequing Account.

  • Unlimited no-fee transfersMake no-fee transfers to your other BMO accounts any time, including mobile and online transfer, and ATM.*99

  • Earn money when you saveBenefit from a competitive interest rate every time you save money.*12

  •  No monthly fee or minimum depositSave money when you bank with no monthly fee and no minimum balance required.

     

Get exclusive savings when you fuel up at Shell

AIR MILES collectors can enjoy savings of up to 7¢ per litre when fuelling up at a Shell station with a BMO debit card. Plus, save even more with a CAA® footnote star membership!

*Terms and conditions apply.

Learn more

More reasons to bank with BMO

    Bank account FAQs

    • If you meet the eligibility criteria, the chequing and family bundle cash bonus will be credited to your account by December 30, 2025, and the savings cash bonus will be credited by February 27, 2026.

    • Yes, this offer is available both in branch and online.

    • Yes! As long as neither of you have an existing chequing account with BMO or have closed an account between June 6, 2024September 30, 2025.

    • Yes, if you’re part of the following programs: Senior, BMO NewStartTM, Registered Disability Savings Plan, Indigenous Banking, Bank at Work – Group Banking and PwC Bank at Work. All other discounted plans are excluded from this offer.

    • No, unfortunately if you already have a chequing account with us you are not eligible for this promotion. Please refer to the Terms and Conditions for more details.

    • If you closed your account between June 6, 2024 – September 30, 2025, you aren’t eligible for this promotion.

    • No, you’ll only earn a bonus on the first account that you open, assuming you meet the eligibility criteria.

    • Bill payments need to be done through online or mobile banking in order to be eligible for the bonus.

    • Bill payments must be of minimum $50 each in order to qualify for the offer.

    • No, each bill payment is required to be paid to a different biller account number. For example, if you are paying a cell phone bill it has to be paid to different accounts numbers to be counted as 2 different bill payments.

    • Bill payments to BMO Credit Cards through Online/Mobile Banking will be considered as an eligible payment as per campaign criteria. Transfers to BMO Credit Cards through Online/Mobile Banking will not qualify as a bill payment.

    • No, you can only get a Family Bundle, and the cash bonus, with either a Performance or Premium Plan.

    • No, the maximum bonus for adding a family member is  even if you add more than one family member.

    • Pre-Authorized Payments must be of minimum $50 each in order to qualify for the offer.

    • No, the pre-authorized payments are required to be made to different billers to qualify for the cash bonus.

    • Get up to $1,400 in benefits which includes a $700 cash bonus when you open a new chequing and Savings Amplifier Account plus the following savings: save on annual account fees when you maintain a minimum balance, get identity protection for free, and a 4.75% bonus interest rate with a new Savings Amplifier Account. Please refer to the Terms and Conditions for more information.

    • Yes, the $700 cash bonus is a part of the total $1,400 value. Please refer to Terms and Conditions.

    • The $1,400 total value is calculated based on opening a Performance or Premium Chequing Account and a Savings Amplifier Account. Please refer to Terms and Conditions. However, you can qualify for the $700 cash bonus when you open only a new Performance or Premium Chequing Account.

    • When opening a new Performance or Premium Chequing Account, add a Savings Amplifier Account to earn the promotional interest rate on the new savings account. Please refer to Terms and Conditions.

    • Yes, you need to open both a new Performance or Premium Chequing Account and a Savings Amplifier Account to earn the bonus promo rate on the savings account. Please refer to Terms and Conditions.

    • Yes, to qualify for the savings offer you also need to qualify for all the requirements of the chequing offer as well. Please refer to Terms and Conditions.

    Want to know more? That’s what we’re here for.

    Come in and talk to us

    Drop by your nearest branch to chat about your financial future.

    BOOK AN APPOINTMENT

    We guarantee up to a 4.75% promotional interest rate on balances deposited to a Savings Amplifier Account for up to 120 days from the account opening start date. This is an estimated value of $156.16 in total interest. If the Savings Amplifier Account is not funded, no interest will be earned. Promotional interest will be earned on the total balance within the Savings Amplifier Account. To qualify for the Promotional Rate, you must 1. Open a new Primary Chequing Account with the AIR MILES Plan, Performance Plan, Premium Plan, Practical Plan, or Plus Plan 2. Open a new Savings Amplifier Account 3. Make a deposit(s) into the Savings Amplifier Account. Interest is calculated on the daily account closing balance, up to a balance limit of $1,000,000, and paid monthly on the last business day of the month. For additional details please refer to Terms and Conditions.®†OnGuard is a registered trademark of Sigma Loyalty Group Inc.®†Identity Guard is a registered trademark of Intersections Inc.

    ®§ INTERAC e-Transfer is a registered trademark of Interac Inc. Used under license.