BMO Harris Bank $200 Personal Checking Bonus

BMO Harris Bank is offering $200 (increased from $150) in personal checking account bonuses when you set up a direct deposit, valid through January 22, 2016.

BMO Harris has more than 600 branches throughout Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Nevada, Florida, Washington, and Wisconsin, which is where you must live if you want to apply for a personal checking account.

BMO Harris Bank $200 Personal Checking Account Bonus

You’ll get a $200 cash bonus for opening a new BMO Harris Everyday Checking, BMO Harris Select Checking, or BMO Harris Portfolio Checking account with a recurring direct deposit of $300 or more that is established within 60 days of account opening.

This offer is valid for a new BMO Harris personal checking account opened between July 27, 2015, and January 22, 2016.

Check out this BMO Harris Personal Checking Bonus that I found being advertised in Google search results for more details.

You can open an account online or request a coupon via email, and you must present the coupon that you receive when opening your account in person at a branch.

BMO Harris Bank Promotional Details

This offer is limited to 1 bonus per account.

This offer not available to existing BMO Harris personal checking account customers (including all signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion.

Direct Deposit Details

In order to receive the incentive, you must establish a qualified direct deposit.

A qualified direct deposit is a recurring direct deposit of a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into your new personal checking account on a recurring basis, at least monthly, from an employer or an outside agency.

In order to qualify for the cash bonus, each direct deposit must be in an amount of $300 or more, and the first direct deposit must occur within 60 days of account opening.

Bonus Payout Details

The cash incentive will be deposited into your new personal BMO Harris checking account approximately 120 days after account opening.

Your account must be open and in good standing on the payment date to receive the cash bonus.

BMO Harris Bank Checking Fee Waiver Details

It’s important to note that these checking accounts do have monthly maintenance fees, but you can avoid these fees by meeting certain requirements, so read the fine print closely before opening an account.

BMO Harris Everyday Checking – $10 monthly maintenance fee is waived: with incoming external deposits totaling $500 or more during the statement period; on accounts with a $1,000 minimum daily ledger balance; if you are a college student and request a student fee waiver; or other methods available.

BMO Harris Select Checking – $15 monthly maintenance fee is waived: if you are a BMO Harris home equity customer; on accounts with a $5,000 minimum daily ledger balance; or other methods available.

BMO Harris Portfolio Checking – $25 monthly maintenance fee is waived: if you are a BMO Harris mortgage customer; if you are a BMO Harris home equity customer; on accounts with a $25,000 minimum daily ledger balance; or other methods available.

Review the rest of our Bank Account Bonus Promotions for more national banking deals.

Open a BMO Harris Bank personal checking account to qualify for $200 in cash rewards.

Comments

  1. Will says

    Anybody know if this is a soft or hard inquiry? What is considered a direct deposit (other than the usual employment salary).

    • AE says

      Chexsystems inquiry only (in my local Florida Branch anyway) no hard pull for my everyday checking account.

      I have used my real payroll DD as I did not want to chance any issues with the $150 bonus. So I do not know about what counts as DD other than their clearly detailed statement that it has to be a payroll legit DD.

      Make sure to read the fine print on maintenance fees very closely:

      BMO Harris Everyday Checking account has a monthly maintenance fee of $10. The fee will not be charged if ANY ONE of the following occurs during the statement period:

      This account has Incoming External Deposits totaling $500 or more.
      The minimum daily Ledger Balance in this account is $1,000 or more.

      Your BMO Harris Select Checking account meets its $10,000 minimum Combined Balance requirement, and you have requested we link this account to your BMO Harris Select Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to one (1) BMO Harris Everyday Checking account.)

      Your BMO Harris Portfolio Checking account meets its $25,000 minimum Combined Balance requirement, and you have requested we link this account to your BMO Harris Portfolio Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to a total of two (2) BMO Harris Everyday Checking accounts.)

  2. Bargainator says

    Hey I was wondering if this offer is valid for people from other states not listed above, if we were to apply online?

  3. Jerome says

    I opened an account with them because I wanted the bonus. I’ve met the requirements and it’s beyond the 120 days, but BMO Harris is refusing to give me the bonus. Beware of being mislead.

  4. Anuj says

    The Bank’s promotion page doesn’t say that the offer on new checking account is only for certain geographical areas (to individuals residing in Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Nevada, Florida, Washington, and Wisconsin). Can people not residing in the above mentioned areas apply in order to avail the offer ?

  5. Ricky says

    BMO Harris will not honor these coupons, I met all the requirements and on hold with telephone banking now complaining, he said I’d have to go to the branch I opened it at (which means a manager would have to debit their “goodwill” ledger).

    If you do some research (I work in retail banking, so I did), BMO does targetted marketing with these, unlike other banks, the coupon code is generic and only intended for selected customers so unless you’re on their hit list they will not allow you to use these coupons. I even contacted telephone banking prior to opening mine and she told me the one from this site from 4Q14 was eligible to everyone, unfortunately not true, don’t waste your time with BMO promos.

  6. Andrei says

    I’ve visited their branch to open an account and they asked me for my SSN. I asked is SSN for a soft pull of my Credit or it will be a hard one. I got a response that it’ll be a hard pull so i declined the offer. Visited the branch in WestPalmBeach, FL on August 4th.

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