Bank account
A structured look at the BMO promotion: what you can earn, what it asks for, and the details worth checking before you apply.
Qualification path
Open an eligible BMO Smart Money, Smart Advantage, or Relationship account.
Receive $4,000 in direct deposits within 90 days.
Bonus arrives approximately 100 days after opening.
At a glance
Offer type
Checking account
Availability
Select states
Fees
$17.95 (waived with qualifying activity)
APY
Not listed
States
Midwest and select states
Expiration
September 8, 2026
What you get
BMO digital banking
Branch access
Savings tools
Multiple eligible checking products
Keep comparing
Chase
Checking account
Bonus
$400
How to get it
$1,000 direct deposit within 90 days
Fee
$12 (waived with qualifying deposits)
Availability
Nationwide
Expires Oct 14, 2026
This offer has not been verified and its information may be outdated. Check the institution’s terms before acting.
Wells Fargo
Checking account
Bonus
$400
How to get it
$1,000 direct deposit within 90 days
Fee
$10 (waived with qualifying activity)
Availability
Nationwide
Expires Oct 6, 2026
This offer has not been verified and its information may be outdated. Check the institution’s terms before acting.
Bank of America
Checking account
Bonus
Up to $500
How to get it
$2,000–$10,000 direct deposit within 90 days
Fee
$12 (waived with qualifying activity)
Availability
Nationwide
Expires Sep 30, 2026
This offer has not been verified and its information may be outdated. Check the institution’s terms before acting.