BMO Smart Advantage 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. To take advantage of the new personal checking account cash bonus offer, you must open your account between September 9, 2026 and December 15, 2026, and use the promo code. 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 financial center 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 December 15, 2026 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 December 15, 2026. Personal checking new account cash bonus of up to $600: Earn a $100 cash bonus per month (up to $600 for 6 months) when you open a new BMO Smart Money Checking, BMO Smart Advantage Checking, or BMO Relationship Checking account and have qualifying activities. To receive the personal checking new account cash bonus of up to $600: Open a new BMO Smart Money Checking, BMO Smart Advantage Checking, or BMO Relationship Checking account; and The primary applicant (first person listed on the account) must reside in Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington, or Wisconsin at the time of application; and Beginning the month following account opening, earn a $100 cash bonus each consecutive month you have a cumulative total of $1,000 or more in qualifying direct deposits post to your account. 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®). Your checking account is eligible for up to 6 consecutive cash bonuses. Tracking begins the first calendar day of the month following account opening. Each month you meet offer requirements listed above, a $100 cash bonus will be paid to your account approximately 10 days after the beginning of the next month. If your account does not meet the offer requirements outlined above in a particular month, you will not be disqualified for subsequent months. You are only eligible for one checking account cash bonus offer; you cannot open multiple checking accounts and receive multiple cash bonus offers. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer. Your account must be open, in good standing, must have a balance greater than zero, and must be Smart Money Checking, Smart Advantage Checking, or Relationship Checking when the cash bonus(es) is paid. Minimum opening deposit of $25 is required for BMO personal checking accounts.