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 ^{Footnote 1 details 1} Offers are limited to one per client and account (including trustees, signers, and joint account owners). The checking offer is not available for existing BMO personal checking clients (including trustees, signers, and joint account owners) or those who have closed a BMO personal checking account within the past 12 months. The money market offer is not available for existing BMO personal money market clients (including trustees, signers, and joint account owners) or those who have closed a BMO personal money market account within the past 12 months.

This offer is only valid for the intended recipient, is not transferable, and the unique promo code can only be used once. You may receive different promotional offers by various methods (i.e., mail, in person, email, or online) and each offer may have different Terms and Conditions. To ensure you respond to the correct offer, please reference the material for that offer (i.e., mailer, flyer, email, or online advertisement).   

To take advantage of the BMO Relationship Checking and Growth Money Market cash bonus offers, you must open your account(s) between September 9, 2026 and March 2, 2027, and use the unique promo code from your promotional offer. You may open your account(s) at a BMO financial center, online, or by calling 1-800-546-6101.

If you want to take advantage of both offers, you must open both accounts at the same time. The unique promo code can only be used one time and will not work if the accounts are opened at different times.

• When you apply for the account(s), you must use the unique promo code shown on your promotional offer.
• To apply for a checking or money market account online:

  • Scan the QR code on your mailer to visit the website, select “OPEN IN MINUTES” for the Relationship Checking account, and we'll automatically apply the unique promo code for you; or
  • Visit the website on your promotional offer, select “OPEN IN MINUTES” for the Relationship Checking account, and manually enter the unique promo code during the application process. You will have the option to add the Growth Money Market after you select your checking account.
• To apply for a checking or money market account at a financial center or by phone, you must provide the unique promo code to a banker.

Accounts opened online on March 2, 2027, must have their applications submitted and approved prior to 9:00 p.m. Central Time. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by March 2, 2027. 

You are only eligible for one checking account cash bonus and one money market account cash bonus; you cannot open multiple accounts and receive multiple cash bonuses of the same type. The unique promo code is applied to the first Relationship Checking account (Relationship Checking and Growth Money Market, if opened at the same time) opened between September 9, 2026 and March 2, 2027. Day 1 is the day you open your account(s) and begins the tracking period. If you open your account(s) on a day other than a Business Day, Day 1 is the next Business Day. 

Cash bonus(es) 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. 

BMO Relationship Checking Offer: Open a new BMO Relationship Checking account and get up to a $1,000 cash bonus with qualifying activities:

• Receive a $600 cash bonus when you have a cumulative total of $10,000 in qualifying direct deposits post to your account within 90 days of account opening (by Day 90) AND log in to BMO Digital Banking at least one time within 90 days of account opening; or
• Receive a $800 cash bonus when you have a cumulative total of $15,000 in qualifying direct deposits post to your account within 90 days of account opening (by Day 90) AND log in to BMO Digital Banking at least one time within 90 days of account opening; or
• Receive a $1,000 cash bonus when you have a cumulative total of $20,000 in qualifying direct deposits post to your account within 90 days of account opening (by Day 90) AND log in to BMO Digital Banking at least one time 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. 

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. 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, Account to Account or Peer to Peer (e.g. Zelle^®, Venmo) transfers, and deposits received via merchant payment platforms (such as Square^®). We reserve the right to request documentation, such as a pay stub or statement of earnings, that the direct deposits qualify.

Your account must be Relationship Checking when the cash bonus is paid into the 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 , 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. 

Growth Money Market Offer: Open a new Growth Money Market account and get a $1,000 cash bonus:

1. Open a BMO Relationship Checking account and Growth Money Market account at the same time using the unique promo code; and
2. Deposit a total of $150,000 or more in new money into the Growth Money Market within 45 days of account opening (by Day 45) and maintain a balance of at least $150,000 for the next 45 days (Day 46 – Day 90); and
3. Meet all Relationship Checking offer requirements at any tier, as shown above in BMO Relationship Checking Offer.

If the balance in your Growth Money Market account drops below $150,000 at any time during Days 46–90, you will not qualify for the Growth Money Market $1,000 cash bonus.  

New money is defined as funds not currently on deposit at BMO and funds that were not on deposit at BMO in the past 60 calendar days. However, funds deposited into a BMO deposit account within the last 14 calendar days are considered new money, as long as they were not previously on deposit at BMO during the past 60 calendar days. 

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 45th calendar day falls on a Saturday, Sunday or Bank holiday, the cumulative total new money deposits must be received no later than the last Business Day preceding the 45th calendar day.  

Your account must be Growth Money Market when the cash bonus is paid into the account approximately 100 days after account opening. 

Minimum opening deposit of $25 is required for Growth Money Market, a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid on the entire collected balance. At any time, 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 standard APYs are effective as of and are subject to change at our discretion at any time: for balances less than $5,000, for balances between $5,000 and $24,999.99,  for balances between $25,000 and $99,999.99,  for balances between $100,000 and $249,999.99, and  for balances of $250,000 or more. We may offer higher interest rates when you are an Account Owner of both a BMO Relationship Checking account that has qualifying activities and a Growth Money Market account. See the Growth Money Market account product disclosure at bmo.com for details. The following collected balance tiers and corresponding APYs for Account Owners with a BMO Relationship Checking account that has qualifying activities are effective as of and are subject to change at our discretion at any time: for balances less than $5,000,  for balances between $5,000 and $24,999.99,  for balances between $25,000 and $99,999.99,  for balances between $100,000 and $249,999.99, and   for balances of $250,000 or more. 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 to 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 details 2} To access the benefits in a particular Relationship Package, you must have a BMO Relationship Checking account. Go to the Deposit Account Disclosure for details about Relationship Packages. 

 ^{Footnote 3 details 3} Except for Bank of Montreal branded Participating ATMs and Allpoint^® Participating ATMs, the ATM owner or operator may charge you a surcharge fee for a withdrawal, transfer, or balance inquiry. Foreign Transaction Fees will also apply to all ATMs outside of the United States (i.e. Non-BMO ATMs, Bank of Montreal branded Participating ATMs and Allpoint^® Participating ATMs).

 ^{Footnote 4 details 4} Certain 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 details 5} For important information regarding overdraft services, please visit www.bmo.com/overdraft.

 ^{Footnote 6 details 6} To waive the monthly maintenance fee, you must maintain a minimum daily Ledger Balance of $10,000 in the account for the previous calendar month or you must meet the $25,000 Monthly Combined Balance for the previous calendar month. For more information, reference the Relationship Checking Product Disclosure (PDF, 428 KB).

 ^{Footnote 7 details 7} Minimum opening deposit of $25 is required for Growth Money Market, a variable rate account. The Annual Percentage Yield (APY) is accurate as of . Interest rates and APYs may change daily after the account is open. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid on the entire collected balance. At any time, 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 standard APYs are effective as of  and are subject to change at our discretion at any time:  for balances less than $5,000, for balances between $5,000 and $24,999.99,  for balances between $25,000 and $99,999.99,  for balances between $100,000 and $249,999.99, and  for balances of $250,000 or more. We may offer higher interest rates when you are an Account Owner of both a BMO Relationship Checking account that has qualifying activities and a Growth Money Market account. Explore the  Growth Money Market account disclosure for details. The following collected balance tiers and corresponding APYs for Account Owners with a BMO Relationship Checking account that has qualifying activities are effective as of and are subject to change at our discretion at any time: for balances less than $5,000,  for balances between $5,000 and $24,999.99,  for balances between $25,000 and $99,999.99,  for balances between $100,000 and $249,999.99, and  for balances of $250,000 or more. 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 or call 1-800-546-6101.

 ^{Footnote 8 details 8} Explore transaction limitations. 

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