BMO Bank Bonuses
Every BMO bonus below is pulled from our tracked deals database — exact requirements, deadlines, and closing rules, verified against the bank's own offer terms.
Best current offer: $1,500 (checking) · Total cash to float across all BMO deals: $100,000
Personal accounts
Cumulative $4,000 in qualifying direct deposits within 90 days · New BMO personal checking clients only — not available if you've had a BMO personal checking account in the last 12 months · Open, in good standing, balance greater than zero when the cash bonus is paid (~100 days after opening)
Available nationwide
Expires Sep 8, 2026 · Verified Jul 18, 2026
Business accounts
Maintain Average Collected Balance Day 30-90 to set your tier: $4,000+ = $400, $25,000+ = $750, $50,000+ = $1,000, $100,000+ = $1,500 · Not available to existing BMO business checking customers, or anyone who closed one in the past 12 months · Keep account open in good standing until the bonus pays, approximately 120 days after opening
Available nationwide
Expires Aug 31, 2026 · Verified Jul 12, 2026
Tracking one of these? The tracker watches your deadlines and safe-to-close dates. New to bonuses? Start with the guides.