To take advantage of this offer, you must open your account between July 15, 2021, and September 30, 2021 and use the promo code. You may open your account at a BMO Harris branch or online. If you open your account online, you must open your account by clicking “Open Now” above and you must reside in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri or Wisconsin. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal 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. You are responsible for any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer. Your account must be open, in good standing and must have a balance greater than zero when the bonus is paid.
Checking Offer: Get up to a $500 bonus when you open a new BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account or BMO Harris Premier™ Account and have qualifying direct deposits of a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency. We reserve the right to request documentation that the direct deposits qualify.
1) Get a $300 bonus when you open a new BMO Harris Smart MoneyTM Account or BMO Smart AdvantageTM Account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening.
2) Get a $500 bonus when you open a new BMO Harris Premier™ Account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening.
You are only eligible for one checking bonus; you cannot open multiple checking accounts and receive multiple bonuses. Day 1 is the day you open your account and begins the tracking period. If you open your account on a day other than a Business Day, Day 1 is the next Business Day. The checking account type you have on Day 90 will determine which bonus you are eligible for. In order to receive the bonus, you must meet the associated criteria for that account. Bonus is paid approximately 100 days after opening.
Savings Rewards Offer: Open a new Statement Savings account. For every month that your balance grows by at least $200, we will credit your account with a $5 bonus within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare your balance on the last business day of the previous month to your balance on the last business day of the current month. Interest and bonus payments will not count towards your balance growth. If your balance does not grow by at least $200 in a month, you will not be disqualified for subsequent months.
Your savings account is only eligible for this offer for 12 consecutive months beginning with the month your account is opened. If you fund your account on the day you open your account or any other day that month, your opening deposit will count towards your balance growth for the first month of this offer. If your account is not funded until the next month, you will only be eligible for 11 consecutive months of rewards. Accounts opened online may have a delay in initial funding.
Minimum opening deposit of $25 is required for BMO Harris personal checking and Statement Savings accounts. BMO Harris Premier™ Account and Statement Savings are variable rate accounts. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of June 9, 2021 for accounts opened online or at a BMO Harris branch and are subject to change at our discretion at any time: BMO Harris Premier™ Account: 0.01% for all balances. Statement Savings: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier in order to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date for checking accounts and quarterly on the last day of the calendar quarter for Statement Savings. Checks you deposit into your account begin to earn interest on the business day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmoharris.com