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Earn Up to $560 Bonus with BMO Harris Checking and Savings Accounts

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$560 Bonus with BMO Harris

New Customers Can Earn Up to $560 Bonus with BMO Harris

BMO Harris has a bonus up to $560 for new checking and savings accounts. You can apply online, in-branch or by phone. This is a bonus that we have seen several times in the past, but now there’s an improvement, as it is available nationwide. Let’s see the details.

The Offer

Earn up to $500 with new checking account:

    • Get up to a $500 cash bonus when you open a new checking account and have qualifying direct deposits:
      • Get a $300 cash bonus when you open a new Smart Money or Smart Advantage account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening. OR
      • Get a $500 cash bonus when you open a new Premier Account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening.
    • 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 cash bonus you are eligible for. In order to receive the cash bonus, you must meet the associated criteria for that account. Cash bonus is paid into the checking account approximately 100 days after account opening.

Earn up to $60 with new savings account:

    • For every month your Savings Builder account balance grows by at least $200, we will credit the account with a $5 savings reward within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare the Ledger Balance on the last Business Day of the previous month to the Ledger Balance on the last Business Day of the current month.
    • Your account is eligible for 12 savings rewards beginning with the month your account is opened. The first savings reward is based on your savings growth from the Business Day the account is opened through the last Business Day of that month. If your initial deposit is not received until the month after the account opening, the account will only be eligible for 11 savings rewards.

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Key Terms

  • Offer is now available nationwide as reported by Doctor of Credit.
  • Offers are 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.
  • BMO Harris Smart Advantage Account and Savings Builder have no fees.


This is one of the better offers from BMO Harris and it is now reportedly available nationwide, instead of just a few states.

To get the checking bonus you need a total of $4,000 or $7,500 in qualifying direct deposits for the $300 and $500 bonus respectively. You can also open a new Statement Savings account and earn a $5 reward every month when you save $200 or more. You can do this for 12 months for a total of $60.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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  1. Frustrating. There’s no way that direct deposits of my Social Security checks will meet those minimum amounts within 90 days, not when it takes Social Security up to 60 days to start depositing the checks at BMO.


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