Here you will find the latest BMO Harris Bank promotions, bonuses, and offers. Typical promotions have been for $100, $200, $300, $400, $500 and up to $700.
BMO Harris Bank was established in 1947 and is headquartered in Chicago, Illinois, and they are the state’s 2nd largest bank. They have grown to over 600 branches throughout the following states: AZ, FL, IL, IN, KS, MN, MO, WA, WI.
Being a traditional banking institution, BMO Harris Bank offers a full line of deposit accounts, including Checking, Savings, Money Market, CD and IRA products. Rates won’t be able compete with the best Savings and CD accounts provided by online banks. See the best Savings rates here, and the best CD rates here.
Editor's Note: If you don't qualify for a BMO Harris Bank bonus, I recommend to check our list of all Chase Bank bonus offers. More than likely, you will find a Chase branch near you.
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase SapphireSM Checking | 60,000 Points | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| Chase SavingsSM | $150 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| Chase Private Client | $1,250 Cash | Review |
| You InvestSM by J.P. Morgan | Up To $625 Cash | Review |
Table of Contents
BMO Harris Bank Up To $700 Bonus
Earn up to a $700 Checking Bonus from BMO Harris
Available for residents in select states, you can earn up to a $700 checking bonus for opening a new eligible checking account and meeting certain requirements.
- Bonus Offer: BMO Harris Bank $700 Checking Bonus
- Account(s) Eligible: Smart Money, Smart Advantage, or Premier Account for the Checking bonus. Platinum Money Market qualifies for the Money Market offer.
- Availability: Illinois (excluding St. Clair County), Wisconsin (excluding Pierce and St. Croix County), St. Louis County in Minnesota, or Northwest Indiana
- Expiration: 07/31/2019
- Credit Inquiry: Soft Pull
- Opening Deposit Requirement: $25
- Direct Deposit Requirement: Yes
- Monthly Service Fee: $0 – $30; see below on how to waive the fees
(Expires July 31, 2019)
How to Earn your $700 Bonus
How to Earn $700 BONUSAccount FeaturesWaive the Monthly FeeFine Print
- Offer 1 – Get a $400 bonus for completing the following activities with a new checking account in the first 120 days
- Have a total of at least $6,000 in qualifying direct deposits.
- Enroll in BMO Digital Banking and set up paperless statements.
- Make at least 10 qualifying electronic transactions.
- Offer 2 – Get a $200 bonus when you open a Platinum Money Market account, deposit at least $10,000 in new money and keep it for 90 days.
- Offer 3 – Get a $100 bonus just for opening a checking account and a Platinum Money Market account.
- BMO Harris Smart Money™ Account – A low monthly fee checking account with no overdraft or NSF fees.
- No overdraft or NSF fees
- No minimum balance required
- $5 monthly maintenance fee is waived if you’re under 25
- $2 paper statement fee is waived with eStatements if you’re under 25
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
- BMO Harris Smart Advantage™ Account- A checking account with no monthly fees with eStatements.
- No monthly maintenance fee
- $2 paper statement fee waived with eStatements
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
- BMO Harris Premier™ Account – A premium checking account that rewards you with special customer benefits.
- Unlimited non-BMO Harris ATM transactions
- Get a rebate of $25 monthly on ATM surcharge fees charged by other banks
- Tiered rate of interest – the higher your balance, the more you may earn
- $30 monthly maintenance fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris
- Financial Advisors, Inc. investment account
- Fees waived on Cashier’s Checks, Money Orders, paper statements and more
- Platinum Money Market Account
- Save with confidence. All accounts are FDIC insured to the maximum allowed by law.
- Establish a savings routine with monthly Auto Save from a BMO Harris checking account.
- Enjoy the flexibility to access your cash when you need it.
- Variable interest rates and APY’s
- Link this account to your personal checking account and help avoid overdraft fees with Overdraft Funding.
- Smart Money: $5 Monthly Maintenance Fee waived if you’re under age 25
- Smart Advantage: No minimum balance and no monthly fees with eStatements.
- Premier Account: $30 Monthly Maintenance Fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account
- In order to be eligible for these offers, you must reside in Illinois (excluding St. Clair County), Wisconsin (excluding Pierce and St. Croix County), St. Louis County in Minnesota, or Northwest Indiana.
- You can apply online, at a branch or by calling 1-866-362-1166.
- To apply online, use the “open now” links above and they’ll automatically apply the promo code for you.
- Before you apply at a branch or by phone, enter your email and click “Send Me My Coupon Above” to receive the promo code you must use when opening your accounts.
- You must open your accounts between June 1, 2019 and July 31, 2019.
- Offers cannot be combined with any other offer and are limited to one per customer.
- They reserve the right to amend or cancel any part of these offers at any time.
- Offer 1 and Offer 3 are 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.
- Offer 2 is not available for existing BMO Harris money market customers (including signers on joint accounts) or those who have closed a BMO Harris money market account within the past 12 months.
- 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.
- Your accounts must be open, in good standing and must have a balance greater than zero when the bonuses are paid approximately 150 days after opening.
- The bonus for Offer 3 will be paid to your checking account.
BMO Harris Bank Up To $500 Bonus
Earn up to a $500 Checking Bonus from BMO Harris
Available for residents in select states, you can earn up to a $500 checking bonus for opening a new eligible checking account and meeting certain requirements.
- Bonus Offer: BMO Harris Bank $500 Checking Bonus
- Account(s) Eligible: Smart Money, Smart Advantage, or Premier Account for the Checking bonus. Platinum Money Market qualifies for the Money Market offer.
- Availability: Arizona, Florida, Central or Southern Indiana, Kansas, Missouri, St. Clair County in Illinois, Pierce or St. Croix Counties in Wisconsin, or Minnesota
- Expiration: 07/31/2019
- Credit Inquiry: Soft Pull
- Opening Deposit Requirement: $25
- Direct Deposit Requirement: Yes
- Monthly Service Fee: $0 – $30; see below on how to waive the fees
(Expires July 31, 2019)
How to Earn your $500 Bonus
How to Earn $500 BONUSAccount FeaturesWaive the Monthly FeeFine Print
- Offer 1 – Get a $400 bonus for completing the following activities with a new checking account in the first 120 days
- Have a total of at least $6,000 in qualifying direct deposits.
- Enroll in BMO Digital Banking and set up paperless statements.
- Make at least 10 qualifying electronic transactions.
- Offer 2 – Earn 2.05% APY when you open a Platinum Money Market account with at least $5,000.
- Offer 3 – Get a $100 bonus just for opening a checking account and a Platinum Money Market account.
- BMO Harris Smart Money™ Account – A low monthly fee checking account with no overdraft or NSF fees.
- No overdraft or NSF fees
- No minimum balance required
- $5 monthly maintenance fee is waived if you’re under 25
- $2 paper statement fee is waived with eStatements if you’re under 25
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
- BMO Harris Smart Advantage™ Account- A checking account with no monthly fees with eStatements.
- No monthly maintenance fee
- $2 paper statement fee waived with eStatements
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
- BMO Harris Premier™ Account – A premium checking account that rewards you with special customer benefits.
- Unlimited non-BMO Harris ATM transactions
- Get a rebate of $25 monthly on ATM surcharge fees charged by other banks
- Tiered rate of interest – the higher your balance, the more you may earn
- $30 monthly maintenance fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris
- Financial Advisors, Inc. investment account
- Fees waived on Cashier’s Checks, Money Orders, paper statements and more
- Platinum Money Market Account
- Save with confidence. All accounts are FDIC insured to the maximum allowed by law.
- Establish a savings routine with monthly Auto Save from a BMO Harris checking account.
- Enjoy the flexibility to access your cash when you need it.
- Variable interest rates and APY’s
- Link this account to your personal checking account and help avoid overdraft fees with Overdraft Funding.
- Smart Money: $5 Monthly Maintenance Fee waived if you’re under age 25
- Smart Advantage: No minimum balance and no monthly fees with eStatements.
- Premier Account: $30 Monthly Maintenance Fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account
- In order to be eligible for these offers, you must reside in Arizona, Florida, Central or Southern Indiana, Kansas, Missouri, St. Clair County in Illinois, Pierce or St. Croix Counties in Wisconsin, or Minnesota (excluding St. Louis County).
- You can apply online, at a branch or by calling 1-866-362-1166. To apply online, use the “open now” links above and they’ll automatically apply the promo code for you.
- Before you apply at a branch or by phone, enter your email and click “Send Me My Coupon Above” to receive the promo code you must use when opening your accounts.
- You must open your accounts between June 1, 2019 and July 31, 2019.
- Offers cannot be combined with any other offer and are limited to one per customer.
- They reserve the right to amend or cancel any part of these offers at any time.
- Offer 1 and Offer 3 are 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.
- 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.
- Your accounts must be open, in good standing and must have a balance greater than zero when the bonuses are paid approximately 150 days after opening.
- The bonus for Offer 3 will be paid to your checking account.
BMO Harris Bank $300 – $500 Checking & Savings Bonuses
Earn up to $500 from this promotion from BMO Harris Bank
Available for residents in select states, you can earn up to a $500 checking & savings bonus for opening a new eligible checking and savings account and meeting certain requirements.
- Bonus Offer: BMO Harris Bank $300-$500 Checking & Savings Bonus
- Account(s) Eligible: Smart Money, Smart Advantage, or Premier Account for the Checking bonus. Platinum Money Market qualifies for the Money Market offer.
- Availability: AZ, FL, IL, IN, KS, MO, MN and WI
- Expiration: 07/01/2019
- Credit Inquiry: Soft Pull
- Opening Deposit Requirement: $25
- Direct Deposit Requirement: Yes
- Monthly Service Fee: $0 – $30; see below on how to waive the fees
(Expires July 01, 2019)
How to Earn up to $500 Bonus
How to Earn $500 BONUSAccount FeaturesWaive the Monthly FeeFine Print
- How To Earn The $300 Checking Bonus:
- Open a new Smart Money, Smart Advantage or Premier Account online.
- Establish at least two direct deposits of $500 or more each within 90 days of opening.
- Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening.
- How To Earn The $200 Savings Bonus:
- Open a new Statement Savings account with a $10,000 opening deposit in new money.
- Maintain the minimum balance of $10,000 for the first 90 days after opening.
- BMO Harris Smart Money™ Account – A low monthly fee checking account with no overdraft or NSF fees.
- No overdraft or NSF fees
- No minimum balance required
- $5 monthly maintenance fee is waived if you’re under 25
- $2 paper statement fee is waived with eStatements if you’re under 25
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
- BMO Harris Smart Advantage™ Account- A checking account with no monthly fees with eStatements.
- No monthly maintenance fee
- $2 paper statement fee waived with eStatements
- Unlimited fee-free transactions at over 40,000 Allpoint network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Unlimited transactions at retailers when you use your BMO Harris Bank Debit Mastercard
- BMO Harris Premier™ Account – A premium checking account that rewards you with special customer benefits.
- Unlimited non-BMO Harris ATM transactions
- Get a rebate of $25 monthly on ATM surcharge fees charged by other banks
- Tiered rate of interest – the higher your balance, the more you may earn
- $30 monthly maintenance fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris
- Financial Advisors, Inc. investment account
- Fees waived on Cashier’s Checks, Money Orders, paper statements and more
- Smart Money: $5 Monthly Maintenance Fee waived if you’re under age 25
- Smart Advantage: No minimum balance and no monthly fees with eStatements.
- Premier Account: $30 Monthly Maintenance Fee waived when you have one of the following: $25,000 minimum daily balance, $50,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account
- If you are opening your account online or by phone, you must reside in a state that BMO Harris operates retail branches and use that address to open the account.
- BMO Harris currently operates retail branches in Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota and Wisconsin.
- $300 checking bonus:
- Mention the promo code when you open a new BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account, or BMO Harris Premier™ Account. If you use the “open now” link above they’ll automatically apply the promo code for you. You can also apply online at bmoharris.com, at a branch or call 1-866-362-1166.
- Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of $500 or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. They reserve the right to request documentation that the direct deposits qualify.
- Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard® post to your account within 90 days of account opening.
- Offer is not available to 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.
- Offer cannot be combined with any other offer and is limited to one per account.
- They reserve the right to amend or cancel any part of this offer.
- $200 Statement Savings bonus: To receive the bonus:
- Open a new Statement Savings account with an opening deposit of $10,000 or more of funds not currently on deposit at BMO Harris Bank or its affiliates. If you use the “open now” link above they’ll automatically apply the promo code for you. You can also apply online at bmoharris.com, at a branch or call 1-866-362-1166.
- Maintain at least $10,000 in the account for 90 days. Bonus will be paid into the Statement Savings account.
- Offer is not available to existing Statement Savings customers (including signers on joint accounts) or those who have closed a Statement Savings account within the past 12 months.
- Bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes.
- You are responsible for any applicable taxes.
- Your account must be open and in good standing when the bonus is paid approximately 120 days after opening.
- Bonus will be paid into the applicable checking and/or savings account.
- Offer cannot be combined with any other offer and is limited to one per account.
- They reserve the right to amend or cancel any part of this offer
BMO Harris $200 & $500 Business Checking Bonus
$200 ir $500 Bonus depending on chosen account
Available for residents in select states, you can earn up to a $500 business checking bonus for opening a new eligible business checking account and meeting certain requirements.
- Bonus Offer: BMO Harris Bank $200 & $500 Business Checking Bonus
- Account(s) Eligible: Essential Business Checking & Business Advantage Checking
- Availability: AZ, FL, IL, IN, KS, MO, MN and WI
- Expiration: 10/31/2019
- Credit Inquiry: Soft Pull
- Opening Deposit Requirement: $100
- Direct Deposit Requirement: Yes
- Monthly Service Fee: $0 – $30; see below on how to waive the fees
(Expires October 31, 2019)
How to Earn up to $500 Bonus
How to Earn $500 BONUSAccount Features
- You can receive either the $200 checking bonus or the $500 checking bonus.
- To receive a checking bonus, you must open the account in a BMO Harris branch and present the promo code email from BMO Harris.
- Your account must be open and in good standing when the bonus is paid approximately 120 days after opening.
- Offers are not available to existing BMO Harris business checking customers or those who have closed a BMO Harris business checking account within the past 12 months.
- Bonus is 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 are subject to change without notice, cannot be combined with any other offer and are limited to one per customer.
- BMO Harris reserves the right to amend or cancel any part of these offers at any time.
- The minimum deposit to open a small business checking account is $100, however to receive the bonus you must open the account with the minimum as stated below.
- To receive the $200 checking bonus:
- Open a new Essential Business Checking account between November 1, 2018 and October 31, 2019.
- Make a minimum opening deposit of $1,500 in funds not currently on deposit at BMO Harris Bank or its affiliates.
- Have a collected balance of at least $1,500 in the account at the end of 90 days following account opening.
- Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.
- To receive the $500 checking bonus:
- Open a new Business Advantage Checking account between November 1, 2018 and October 31, 2019.
- Make a minimum opening deposit of $5,000 in funds not currently on deposit at BMO Harris Bank or its affiliates.
- Have a collected balance of at least $5,000 in the account at the end of 90 days following account opening.
- Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.
- Essential Business Checking
- First 200 transactions free per statement period
- Waived for the first 3 months: monthly maintenance fee, coin and currency fees and transaction fees
- $15 monthly maintenance fee waived with $1,500 Average Collected Balance
- Business Advantage Checking
- First 500 transactions free per statement period
- Free incoming wires
- Up to $100 waived on first order of checks ordered through them
- Waived for the first 3 months: monthly maintenance fee, coin and currency fees and transaction fees
- $20 monthly maintenance fee waived with $5,000 Average Collected Balance OR $15,000 in Combined Balances with Relationship Waiver
Bank at Work and Group Banking Services $250 Checking Bonus
Available to Bank at Work and Group Banking Services customers, you can earn a $250 checking bonus for opening a new eligible checking account and meeting certain requirements as well as setting up direct deposit.
- Bonus Offer: Bank at Work and Group Banking Services $250 Checking Bonus
- Account(s) Eligible: Personal checking account, Statement Savings account, BMO Harris Health Savings Account
- Availability: Bank at Work and Group Banking Services customers
- Expiration: None Listed
- Credit Inquiry: Soft Pull
- Opening Deposit Requirement: $25 (Checking) $25 (Savings)
- Direct Deposit Requirement: Yes
- Monthly Service Fee: $0 – $30; see below on how to waive the fees
(No Expiration Date Listed)
How to Earn up to $250 Bonus
How to Earn $250 BONUS
- Receive up to a $250 cash bonus when you open the following new products and services:
- $100 cash bonus when you open a new personal checking account with qualifying direct deposits
- $50 cash bonus when you also open a new Statement Savings account with $1,000 new money
- $50 cash bonus when you also open a new BMO Harris Health Savings Account
- $50 cash bonus when you also sign up for eStatements
Author's Verdict
BMO Harris Bank is offering a wide variety of promotions for Checking, Savings and Business accounts with fairly easy requirements. Most of these bonuses require an account with direct deposit as well as opening another bank account. I would highly recommend you thoroughly read the requirements for each bonus in order to earn the full promotion.
Although BMO Harris Bank offers a variety of great promotions, they are only limited to select states and even select counties. If your state does not have a BMO Harris Bank Branch, I would highly suggest taking a look at our reviews of Chase Bank Bonuses and Wells Fargo Bank Bonuses as they are typically more popular and available nationwide. However, I would definitely check out all the bonuses offered by BMO Harris Bank to see if you are eligible!
• Chase Bank Bonuses. Chase usually offers the most sign-up bonuses out of all the big banks. Read up and enjoy several promotions for their Checking, Savings and Business accounts. • HSBC Bank Bonuses. HSBC has some big value offers available for their Checking accounts. Some require hefty deposits to qualify. They also have an online Savings account offering a very competitive rate. • Huntington Bank Bonuses. Huntington has Consumer Checking and Business Checking accounts available throughout the year. • Discover Bank Bonuses. As an online bank, Discover offers high and competitive rates on their Savings, CD, and Money Market accounts. Enjoy excellent customer service nationwide. • TD Bank Bonuses. TD Bank consistently offers great Checking account bonuses all year long. Savings account offers are less frequently available. |
| PROMOTIONAL LINK | OFFER | REVIEW |
| HSBC Premier Checking Member FDIC | $750 Cash | Review |
| HSBC Advance Checking Member FDIC | $350 Cash | Review |
| Huntington Asterisk-Free Checking® | $150 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Chase SapphireSM Checking | 60,000 Points | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| Chase Private Client | $1,250 Cash | Review |
| TD Bank Beyond CheckingSM | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Huntington Bank Accelerated Business Checking | $500 Cash | Review |
| Huntington Bank Fast Track Business Checking | $400 Cash | Review |
| Huntington Bank Community Business Checking | $200 Cash | Review |
Editor Rating
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