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BMO: up to $600 bonus
BMO Smart Money, Smart Advantage or Relationship Checking · Checking
AI summary Open BMO checking with the promo code and earn $100 each month, for up to six months, that you get $1,000+ in direct deposits.
Up to $600Advertised bonus
$600Estimated net bonus
$0Account feesno monthly fee stated
~221 daysHold period
Dec 15, 2026Ends
Janet read the fine print. By her math, no fees come out of this one.
Steps
- Open BMO checking with the promo code
- Earn $100 each month
- For up to six months
- That you get $1,000+ in direct deposits
All details from the bank's page
- Requirements
- Open a new eligible checking account with the promo code between Sep 9 and Dec 15, 2026 (online, by phone or at a financial center). Starting the month after opening, earn $100 for each of up to 6 consecutive months in which $1,000+ in qualifying direct deposits post.
- Account fees
- Account fees: $0 (the bank states no monthly fee for Smart Advantage Checking). Counted over 221 days (hold period, about 221 days).
- Estimated net bonus
- Estimated net bonus $600 ($600 minus $0 fees)
- Hold period
- Up to 6 monthly $100 bonuses, each paid about 10 days into the next month; the account must be open with a balance above zero at each payment. For the estimate: about 221 days (6 bonus months starting the month after opening, last paid about 10 days into the next month; counted from opening on Nov 1, 2026).
- Estimated effective yield
- No deposit has to stay in the account, so there is no estimated effective yield; the hold is how long the account must stay open.
- Direct deposit
- Required ($1,000+ per month)
- Deposit / balance
- $25 opening deposit
- Time to complete
- not stated
- Payout
- About 10 days after the start of the month following each qualifying month
- Keep open / early close
- Account must be open, in good standing, with a balance above zero when each bonus is paid. No other early-close term stated.
- Eligible states
- Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington, Wisconsin
- Lookback rule
- Not for existing BMO personal checking clients or anyone who closed a BMO personal checking account within the past 12 months.
- Deadline
- Dec 15, 2026
Source: www.bmo.com/en-us/main/personal/checking-accounts/digital-of · Last verified Nov 1, 2026, 1:05 AM CT · How we estimate
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