BMO Checking — up to $600 ($100/month)
$600
verified today
Open a BMO Smart Money, Smart Advantage or Relationship Checking account by 12/15/2026. Earn $100 for each month you receive $1,000+ in qualifying direct deposits, for up to 6 consecutive months starting the month after opening ($600 max). Missing a month does not disqualify later months.
Affiliate link where available — see disclosure below. Always confirm terms on the bank's page.
How to earn it
- 1.Open a BMO Smart Money, Smart Advantage or Relationship Checking account via the offer page
- 2.Receive $1,000+ in qualifying direct deposits each month for up to 6 months ($100 per qualifying month)
The details
Minimum deposit to open$25
Monthly feeNone
Time to complete210 days from account opening
Bonus payout~10 days (installments)
Direct depositRequired — $1,000+
ACH counts as DD?Unknown
AvailabilityAZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
Eligibility: Must live in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA or WI. Not available to current BMO personal checking clients or anyone who closed one in the past 12 months.
Notes: Paid as $100/month installments, each posting about 10 days into the following month. Smart Advantage has no monthly fee.