BMO Harris Bank: $200 Personal Checking and $500 Business Checking

BMO Harris Bank offers a variety of promotions for opening new personal and business checking accounts on a regular basis, where you can earn extra bonus cash for meeting the new account qualifications.

BMO Harris has more than 600 branches throughout Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota, and Wisconsin, and to open your account online or by phone, you must reside in a state where BMO Harris operates retail branches and use that address to open the account.

You can also check out these banking deals from Chase Bank, Huntington Bank, and SunTrust Bank that are available in more states across the U.S.A.

BMO Harris Bank $200/$500 Business Checking Account Offer

You can get up to $500 in bonus cash for your business when you open a eligible business checking account and meet the offer requirements.

Just visit this BMO Business Checking Promotion and enter your email address to receive your bonus promo code, which you’ll need to bring into a BMO branch when you apply in person.

To receive the $200 checking bonus:

1. Open a new Essential Business Checking account by October 31, 2019.

2. Make a minimum opening deposit of $1,500 in funds not currently on deposit at BMO Harris Bank or its affiliates.

3. Have a collected balance of at least $1,500 in the account at the end of 90 days following account opening.

4. 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:

1. Open a new Business Advantage Checking account by October 31, 2019.

2. Make a minimum opening deposit of $5,000 in funds not currently on deposit at BMO Harris Bank or its affiliates.

3. Have a collected balance of at least $5,000 in the account at the end of 90 days following account opening.

4. 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.

BMO Business Promotional Terms

• 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.
• For Business Advantage Checking, the accrued interest will be increased by the amount of the bonus. The accrued interest will be credited at the next scheduled interest payment, which may be after the 120 days.
• 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.
• Offers cannot be combined with any other offer and are limited to 1 per customer.
• The minimum deposit to open a business checking account is $100, however to receive the bonus you must open the account with the minimum as stated above.

BMO Harris Bank $200 Checking Account Promotion

BMO Harris Bank is offering a $200 cash bonus when you open a new personal checking account and receive 2 qualifying direct deposits of $500 or more each and make at least 10 debit card purchases within 90 days of account opening, valid through May 31, 2019.

Just visit this BMO Harris $200 Checking Bonus to apply online or request your coupon code by email.

The online application will automatically apply the promo code, or you must mention the promo code in the email sent to you at account opening, either in-branch or by telephone.

Your account must be open and in good standing when the bonus is paid approximately 120 days after opening.

How To Qualify for $200 Bonus

1. Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account by May 31, 2019, by applying online, in a BMO Harris Branch, or by calling 1-866-362-1166.

2. Have at least 2 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.

3. 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.

4. Your account must be open and in good standing when the $200 bonus is paid approximately 120 days after opening.

BMO Harris Bank Promotional Details

This offer is limited to 1 bonus per account, and it cannot be combined with any other offer.

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.

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 $500 or more, and the direct deposits must occur within 90 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 Smart Money Account – 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.

BMO Harris Smart Advantage Account – No monthly maintenance fee; $2 paper statement fee waived with eStatements.

BMO Harris Premier Account – $30 monthly maintenance fee waived when you have 1 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.

BMO Harris Bank $500 Targeted Combo Offer – EPIRED

The below offer is being targeted to potential new BMO Harris Bank customers by mail in 2017, although anybody can qualify by presenting the coupon code flyer in person at your local branch (I do not have the latest flyer at this time, but I will update this article when I receive one, and you may also receive one in the mail.).

BMO Harris Bank $300 Personal Checking Account Bonus

Open an eligible new BMO Harris personal checking account by October 27, 2017, to get a $300 bonus (BMO Harris Everyday Checking, BMO Harris Select Checking, or BMO Harris Portfolio Checking).

1. Bring the mailer to any BMO Harris branch and open your checking account (try providing Promo Code DMSEP17CHK500 in-branch if you don’t have a mailer).

2. Complete at least 2 qualifying direct deposits within 90 days of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of $300 or more each electronically deposited into the account from an employer or outside agency.

BMO Harris Bank $200 Statement Savings Account Bonus

Open a BMO Harris Statement Savings account by October 27, 2017, to earn a $200 bonus.

1. Bring the mailer to any BMO Harris branch and open a BMO Harris Statement Savings account with at least $15,000.

2. Maintain your $15,000 balance for 90 days.

BMO Harris Bank $500 Targeted Offer Details

Updated 10/16/2017 – Promotion Working for Non-Targeted Users: Please note that I have provided copies of the $500 BMO coupon to several readers who have reported being able to successfully redeem them in-branch, so it’s worth a try if you are interested.

These specific bonuses for up to $500 with new checking and savings accounts have been mailed out to targeted people for a while now, as I’ve personally received a mailer about every other week for the last few months.

In order to qualify, you must bring your original mailer to a BMO Harris branch at account opening, but if you don’t receive a bonus flyer by mail, you could always try showing up in person and providing the Promo Code DMSEP17CHK500 or copying a picture of the flyer on your phone (email me at MaximizingMoney@gmail.com to request one), as BMO Harris may possibly accept you into the offer if they are looking to get new customers.

They do indicate that this offer is only available to accounts sharing the same address that is listed on the original mailer at the time of account opening, but if you show up ready to open accounts with the promotional code, you never know and they may just let you qualify.

Open a BMO Harris Bank personal checking account and/or savings account to qualify for up to $500 in cash rewards.