Open a new checking account and get a bonus!

Get a $200 or $400 bonus when you open one of these BMO Harris checking accounts . And to help you make real financial progress, we’ll also reward you for developing a monthly savings habit.

Here’s how to take advantage of our offer:

Choose the checking account that’s right for you and get a bonus.

BMO Harris Smart Advantage    Account

BMO Harris Premier    Account



$400 bonus¹

$200 bonus¹

When you have a total of at least $7,500 in qualifying direct deposits within the first 90 days

When you have a total of at least $4,000 in qualifying direct deposits within the first 90 days

The banking perks you need with no monthly maintenance fees.

Flexible banking with premium benefits.

Tiered rate of interest - the higher your balance, the more you can earn

Unlimited non-BMO Harris ATM transactions

$25 waivable monthly maintenance fee

No minimum balance required

Build your balances to get even more benefits


Fee-free transactions at over 40,000 Allpoint® network  ATMs nationwide


No monthly fees with paperless statements



Plus, get paid to save with our new savings rewards!

We want to help you reach your savings goals. Open a new Statement Savings account and earn a $5 reward every month you save $200 or more.


Earn a $5 reward for each month that you save $200 or more, for up to 12 months 


Low minimum deposit of just $25 

Grow your savings with a Statement Savings account

We’re FDIC insured  , so you can be certain your money is safe  


Bank on your time with easy access to your account using our digital tools 

Automate your savings habit by creating recurring transfers from your checking account through BMO Digital Banking 

$5 monthly maintenance fee; waived if under the age of 25 or with minimum $100 balance.



 To open your accounts in branch, please visit your local Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, or Florida BMO Harris branch or call to make an appointment.  You must bring this mailer with you and present it to the banker. The banker must use the promo code on the front of this mailer to open your accounts. To apply online, use the “open now” links on this page and type in your promo code printed on the front of this mailer. You must open your account between March 29, 2021 and May 28, 2021. The Checking Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. The Savings Offer is limited to one savings account per customer as primary account holder. Bonuses are not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offers can be changed or canceled without notice at any time, and cannot be combined with any other offer. Your accounts must be open, in good standing and must have a balance greater than zero when the bonuses are paid.


Checking Offer: Get up to a $400 bonus when you open a new BMO Harris Smart Advantage™ Account or BMO Harris Premier™ Account and have qualifying direct deposits of a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency. We reserve the right to request documentation to confirm that the direct deposits qualify.

 1) Get a $200 bonus when you open a new BMO Harris Smart Advantage™ Account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening. 


2) Get a $400 bonus when you open a new BMO Harris Premier™ Account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening.

You are only eligible for one checking bonus; you cannot open both checking accounts and receive both bonuses. 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 bonus you are eligible for. In order to receive the bonus, you must meet the associated criteria for that account. Bonus is paid approximately 100 days after opening.

Savings Offer: Open a new Statement Savings account. For every month that your balance grows by at least $200, we will credit your account with a $5 bonus within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare your balance on the last business day of the previous month to your balance on the last business day of the current month. Interest and bonus payments will not count towards your balance growth. If your balance does not grow by at least $200 in a month, you will not be disqualified for subsequent months.


Your savings account is only eligible for this offer for 12 consecutive months beginning with the month your account is opened. If you fund your account on the day you open your account or any other day that month, your opening deposit will count towards your balance growth for the first month of this offer. If your account is not funded until the next month, you will only be eligible for 11 consecutive months of rewards. Accounts opened online may have a delay in initial funding.

Minimum opening deposit of $25 is required for BMO Harris personal checking and Statement Savings accounts. Accounts opened online may experience a delay in funding. BMO Harris Premier™ Account and Statement Savings are variable rate accounts. 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 March 1, 2021, for accounts opened online or at a BMO Harris branch in IL, WI, IN, KS, MO, MN, AZ, or FL and are subject to change at our discretion at any time: BMO Harris Premier™ Account: 0.01% for balances between $0.01-$4,999.99; and 0.03% for balances of $5,000 or more. Statement Savings: 0.03% 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 in order 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 for checking accounts and quarterly on the last day of the calendar quarter for Statement Savings. 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

To access the benefits in a particular Relationship Package, you must have a BMO Harris Premier Account. See the Deposit Account Disclosure for details.


 Please visit for current deposit insurance limits.



 The minimum daily Ledger Balance in this Account is $100 or more for the month or the Primary Account Owner is under 25 years of age on the day the fee is to be assessed

 Foreign Transaction Fees will apply at Allpoint® ATMs located outside of the United States.


 No BMO Harris fee; however the ATM Operator or network may charge you a fee for a transaction or balance inquiry.



$2 monthly fee for paper statements and $3 monthly fee for check images are waived when you select paperless statements in BMO Digital Banking.

Accounts are subject to approval.

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Banking products and services are subject to bank and credit approval. BMO Harris Bank N.A. Member FDIC.

Notice to Customers

To help the government fight the funding of terrorism and money laundering activities, federal law (USA Patriot Act (Title III of Pub. L. 107 56 signed into law October 26, 2001)) requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide a copy of your driver's license or other identifying documents. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. If the requested information is not provided within 30 calendar days, the account will be subject to closure.

   Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites.

BMO Harris Premier Services represents a combined service approach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of BMO Financial Group.

Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. Member FINRA     /SIPC    .SEC-registered investment adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered are: NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE.

This information is not intended to be tax or legal advice. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. BMO Harris Bank N.A. and its affiliates do not provide legal or tax advice to clients. You should review your particular circumstances with your independent legal and tax advisors.