BMO
CheckingVerified Oct 9, 2026
BMO Smart Advantage Checking: $600 bonus
Receive at least $1,000 in qualifying payroll or benefit direct deposits in each of up to six monthly tracking periods, beginning the month after opening.
- Direct deposits
- $1,000 × 6 cycles
- Cash to keep
- No balance requirement
- Monthly fee
- $0
- Apply by
- Dec 15, 2026
Bonus
$600
Apply by Dec 15, 2026
View offer at BMORead the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.
Your fit
Add your state, direct deposit and cash to check this offer's conditions against your situation.
- 1 thing to check: Offered in 14 states only
- 1 thing to check: Your history with BMO
This checks the published conditions only. The bank decides who is approved.
Steps to earn
Complete all 2 steps for $600
Opening deposit
Open with at least $25.
- $25
Direct deposit
Receive at least $1,000 in qualifying payroll or benefit direct deposits in each of up to six monthly tracking periods, beginning the month after opening.
- $1,000
- In each of 6 statement cycles
Timeline
Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.
Apply by Dec 15, 2026
Open the account with $25
Direct deposit
Receive at least $1,000 in qualifying payroll or benefit direct deposits in each of up to six monthly tracking periods, beginning the month after opening.
Bonus paid
About 10 days after the beginning of the following month for each qualifying $100 installment.
Money and fees
- Bonus
- $600
- Monthly fees
- No monthly fee
- Bonus after fees, before tax
- $600
Cash to keep in the account
No balance to maintain
Direct deposits: $1,000 × 6 cycles
After the bonus
- Account type
- Checking
- Monthly fee
- $0
- APY
- Not stated in the terms we reviewed
- Early closure fee
- Not stated in the terms we reviewed
- How to open
- Not verified
Eligibility
Where it's offered
- Arizona
- California
- Colorado
- Florida
- Iowa
- Illinois
- Indiana
- Minnesota
- New Mexico
- Nevada
- Oregon
- Utah
- Washington
- Wisconsin
Who can get it
New customers only. If you've had an account with BMO, check the look-back period in the terms.
New BMO personal checking customers in the listed states; prior ownership or a closure within 12 months disqualifies. Use the offer code. The $600 maximum is six separate $100 payments, each earned by meeting that month’s deposit test; missing a month does not disqualify later months.
Terms and sources
Checked against bmo.com on Oct 9, 2026. Next check by Oct 23, 2026.
- bmo.com/en-us/main/personal/checking-accounts/digital-offerCaptured Oct 9, 2026
Offer terms can change. Confirm current eligibility and terms with the bank before applying.