BMO checking $400 Bonus
Personal account · Expires Sep 8, 2026 · Last verified Jul 18, 2026
Requirements
- 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)
Timeline
- Direct deposit totaling $4,000.
- Complete all requirements within 90 days.
Bonus tiers
- $400: park $0, DD $4,000
Closing the account (what we verified)
- Early-close fee: $50 if closed within 90 days of opening.
- Bonus typically posts within 100 days of completing requirements.
- Minimum balance to close: $0.
- Monthly fee: $0.
More BMO bonuses
Offer terms change; always confirm against the bank's current disclosure (source). Also see our guides.