Earn up to $600 in rewards ^{footnote 11, footnote 22} with BMO!

Footnote 1 details1 To take advantage of the new personal checking account cash bonus offer, you must open your account between September 10, 2024 and October 31, 2024, and use the promo code. You may open your account at a BMO branch, online or by calling 1-800-546-6101. 

• • To apply online for a checking account, visit bmo.com/fallbonus, 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, visit bmo.com/fallbonus, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.
  • If you received a direct mailer regarding this offer, please use the promo code found in the mailer.

Accounts opened online on the final day of the promotion 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 October 31, 2024. 

To receive the personal checking new account cash bonus of $250:

1. Open a new BMO Smart Money Checking or BMO Smart Advantage Checking account; and
2. Have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening.

To receive the personal checking new account cash bonus of $500:

1. Open a new BMO Relationship Checking account; and
2. Have a cumulative total of $7,500 in qualifying direct deposits within 90 days of account opening.

Checking cash bonus 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 or Bank of the West personal checking account within the past 12 months. Cash bonus will 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 salary or other personal income such as a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party. We reserve the right to request documentation that the direct deposits qualify. Deposits processed as a debit card credit or via Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers do not qualify.

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 checking account that is opened between September 10, 2024 and October 31, 2024. 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. The checking account type you have on Day 90 will determine which cash bonus you are eligible for. To receive the cash bonus, you must meet the associated criteria for that account. 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 September 1, 2024, 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 details2 Earn a $100 digital gift card when you:

1. open a personal checking account online at bmo.com/fallbonus, and
2. meet with a BMO Banker within 90 days of account opening, in-branch or over the phone to discuss financial priorities and what you want and need from your banking. The personal checking account must be open at the time of the conversation.

During the conversation, the BMO Banker will use the myFinancial Compass guide to understand your holistic financial picture. This conversation will take approximately 20 minutes. You must supply a valid email address and the BMO Banker must complete the myFinancial Compass guide; these items will be documented by the BMO Banker. Opening another new account or enrolling in a BMO product or service as a result of this conversation is not required. You do not need to meet the up to $500 personal checking cash bonus offer requirements to earn the $100 digital gift card.

Between 1 and 60 days after you complete the conversation, you will be sent an email from meeting@bmo-offer.commeeting at B M O dash offer dot com with instructions on how to select one of three $100 digital gift cards from either Target, Starbucks, or Uber Eats. Within 30 days of receiving the email, follow the instructions to select a digital gift card. Once you choose your digital gift card, you will receive another email from meeting@bmo-offer.commeeting at B M O dash offer dot com with instructions on how to download the digital gift card. You must download it within 30 days. Once downloaded, digital gift cards do not expire. If you do not take the aforementioned actions, we will not send you a substitute digital gift card. We will not issue replacements for lost or stolen digital gift cards.

Gift card value equals $100 and can be used online or in store. For additional terms and conditions, explore the Terms of Use provided with the gift card.

Offer is limited to one per customer and checking account (including trustees and signers on joint accounts). You cannot have received any other gift card award for completing a myFinancial Compass conversation within the past 12 months. The offer is non-transferrable and cannot be duplicated. This offer cannot be redeemed for cash. Gift card value may be reported to the IRS for tax purposes and you are responsible for any applicable taxes.

Rules are subject to change without notice. If you have questions or issues with redemption, please email meeting@bmo-offer.com. Note, this is a third party communicating on behalf of BMO Bank N.A. When engaging with meeting@bmo-offer.commeeting at B M O dash offer dot com, do not share sensitive and/or confidential information, such as account numbers, social security numbers, passwords, etc. Responses will be provided in 1-7 business days.

Footnote 3 details3 Accounts with zero balance may be closed.

Footnote 4 details4 The monthly fee for paper statements is automatically waived if you opt to go paperless through your BMO Digital Banking preferences or if any individual associated with your account is 65 years or older. The monthly fee for check images is automatically waived if you opt to go paperless through your BMO Digital Banking preferences.

Footnote 5 details5 For important information regarding overdraft services, please visit www.bmo.com/overdraft.

Footnote 6 details6 To access the benefits in a particular Relationship Package, you must have a BMO Relationship Checking account. Explore the Deposit Account Disclosure for details.

Footnote 7 details7 A 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 8 details8 Rebate of up to $25 per statement period on ATM surcharge fees charged by other banks.

Footnote 9 details9 Items that overdraw the account are returned and ATM/everyday debit card transactions are declined.

Footnote 10 details10 Message and data rates may apply. Contact your wireless carrier for details.

Footnote 11 details11 Mobile Deposit is available using the BMO Digital Banking app. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, explore the BMO Digital Banking Agreement found at bmo.com/en-us/legal.

Footnote 12 details12 Visit the BMO Security Center for details.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC