$350 Limited Time BMO Checking Account Bonus Offer (2025)

If you’re looking to earn a generous cash bonus just by opening a checking account, the BMO Checking Account Bonus offers are an incredible opportunity you don’t want to miss. With BMO Harris Bank offering $200 to $350 in bonuses, new customers can maximize their financial gains easily. These promotions are available for a limited time in 2025, so act quickly to take advantage of the offer!

In this post, we’ll walk you through how to earn the BMO Checking Account Bonus, share the terms and conditions, and explain how you can make the most of the Refer-a-Friend program to earn additional rewards. Whether you’re opening a Smart Advantage or Premier Checking account, this post will guide you on how to qualify for the bonus.

How to Earn Up to $350 with BMO Checking Account Bonus

The BMO Checking Account Bonus promotion is designed to reward new customers who open a checking account and meet a few simple requirements. You can earn $200 or $350, depending on which checking account you choose. Here’s how it works:

$200 Bonus for BMO Harris Smart Advantage Checking Account

• How It Works: Open a Smart Advantage Checking account, set up at least one direct deposit of $500 or more, and keep the account active for a minimum of 90 days.
  
• Eligibility: This offer is available to new customers who do not currently have a BMO Harris checking account.
  
• How to Qualify: To qualify for the BMO Checking Account Bonus of $200, you need to receive a direct deposit of at least $500 within the first 90 days of opening your account.
  

$350 Bonus for BMO Harris Premier Checking Account

• How It Works: If you choose the Premier Checking account, you can earn a larger bonus of $350. To qualify for this bonus, you need to set up direct deposit as well.
  
• Eligibility: The BMO Checking Account Bonus offer for the Premier Checking account is available to new customers.
  
• How to Qualify: To earn the $350 bonus, you need to receive a total of $1,000 in direct deposits within the first 90 days of opening your account.
  

How to Claim Your BMO Checking Account Bonus

Claiming your BMO Checking Account Bonus is simple! Just follow these easy steps to make the most of this limited-time offer:

1. Choose Your Account: Based on your banking needs, select either the Smart Advantage or Premier Checking account.
   
2. Open Your Account: You can open your new account online, visit a BMO Harris branch, or call 1-800-546-6101.
   
3. Set Up Direct Deposit: To qualify for the BMO Checking Account Bonus, ensure you have a qualifying direct deposit (payroll, pension, etc.) set up and received within the first 90 days.
   
4. Keep Your Account Active: Keep your account in good standing for at least 90 days to meet the eligibility requirements for the bonus.
   
5. Receive Your Bonus: Once the requirements are met, you will receive your bonus within 60 days after meeting the eligibility criteria.
   

Terms and Conditions for the BMO Checking Account Bonus

Before you take the next step, it’s important to understand the terms and conditions for the BMO Checking Account Bonus. Make sure you meet the following criteria to qualify:

1. Promo Period: This offer is valid for accounts opened between February 4, 2025 and May 2, 2025. To take advantage of the BMO Checking Account Bonus, make sure to use the provided promo code during the application process.
   
   • How to Apply:
     
     • Online: Visit bmo.com/350spring, select “OPEN IN MINUTES” for the checking account of your choice, and the promo code will be automatically applied.
       
     • Branch or Phone: If you apply in person at a branch or by phone, visit the same URL, and you’ll receive a promo code to use during the account-opening process.
       
     • Direct Mail: If you received a direct mail offer, be sure to use the promo code included in the mailer.
       
2. Eligibility Requirements:
   
   • Open a BMO Smart Money or Smart Advantage Checking account.
     
   • Receive $4,000 in total qualifying direct deposits within 90 days of opening your account.
     
3. Bonus Limitations:
   
   • The BMO Checking Account Bonus is limited to one bonus per customer and one per account (including trustees and signers on joint accounts).
     
   • The bonus is not available for existing BMO Harris checking customers or anyone who has closed a BMO checking account in the past 12 months.
     
4. Final Day to Apply: Accounts opened on May 2, 2025 must have the application submitted and approved by 9:00 p.m. CT. If applying by phone, the required opening deposit and signed documents must be submitted by May 2, 2025.
   

Refer-a-Friend and Earn More with the BMO Checking Account Bonus

In addition to the BMO Checking Account Bonus, BMO Harris Bank offers a Refer-a-Friend program that allows you to earn even more rewards. For each successful referral, both you and the person you refer can earn a bonus—typically $25 or more.

Here’s how it works:

1. Get Your Referral Link: Log into your BMO Harris account and find your unique referral code.
   
2. Share the Link: Share your referral link with family or friends who are interested in opening a new BMO Harris checking account.
   
3. Earn Bonuses: Once your referral successfully opens an account and meets the eligibility requirements, both you and your referral will receive a bonus.
   

This is an easy way to earn additional rewards while helping your loved ones take advantage of BMO Checking Account Bonus offers.

Other Bank Promotions You May Be Interested In

While the BMO Checking Account Bonus offer is fantastic, there are other great banking promotions from different institutions that you may also want to consider:

• Chase Total Checking Account Bonus: Earn up to $200 when you open a new Chase Total Checking account using the referral link and set up direct deposit. For more details, visit Chase Promotions.
  
• Citibank Checking Account Bonus: Citi offers a $300 bonus for new customers when you open a Citi Priority Account and complete qualifying activities. Check out their current promotions at Citibank Offers.
  
• Wells Fargo Checking Account Bonus: Wells Fargo provides up to $400 when you open a new checking account and meet certain direct deposit and spending requirements. You can find more information at Wells Fargo Promotions.
  
• Bank of America Checking Account Bonus: Bank of America offers a $100 to $500 bonus depending on the type of account you open. For more info, visit Bank of America Promotions.
  

Why Choose BMO Harris Bank?

BMO Harris Bank offers a range of benefits that make it a great choice for managing your finances:

• Low Fees: Many of their checking accounts come with low or no monthly maintenance fees.
  
• Convenient Access: With an extensive network of ATMs and branches, you can easily access your money wherever you go.
  
• Mobile Banking: The BMO Harris mobile app lets you manage your account, deposit checks, and transfer funds with ease, all from your phone.
  

Final Thoughts on the BMO Checking Account Bonus

The BMO Checking Account Bonus offers an excellent opportunity to earn extra cash just by opening a new checking account. By meeting the simple requirements of opening an account and setting up direct deposit, you can earn up to $350 in bonuses. And don’t forget about the Refer-a-Friend program, which allows you to earn even more rewards!

This is a limited-time offer, so be sure to act quickly. For more details and to apply for the BMO Checking Account Bonus, visit BMO official website today.

Take advantage of this opportunity before it expires.

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