Bank Bonus Tracker

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

  1. Direct deposit totaling $4,000.
  2. 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.
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Offer terms change; always confirm against the bank's current disclosure (source). Also see our guides.