Who qualifies for the BMO $400 bonus?

This bonus is available to new customers only, no account with BMO in past 12 months, all US residents.

How long does it take to earn the BMO bonus?

You can complete the requirements in 90 days. After qualifying, the bonus is typically credited within 100 days. Total time from account opening to bonus: approximately 190 days.

What are the requirements for the BMO bonus?

Set up direct deposit of any amount.

Are there any fees for the BMO Smart Advantage Checking / Smart Money Checking?

No, this account has no monthly maintenance fees and no early closure fee.

Is the BMO $400 bonus worth it?

The BMO bonus offers $400 in value. With no fees to worry about, you keep the full bonus amount. The requirements are straightforward, making this an easy bonus to earn.

BankOffers.app

CheckingEasy⏰ 18 days left

BMO $400 Bonus

Smart Advantage Checking / Smart Money Checking

Expires: January 28, 2026✓ Nationwide

Last verified: December 25, 2025View official bank terms →

Bonus Amount

$400

Apply Now

Direct Deposit

Required

Time to Qualify

90 days

Payout Time

100 days

💡 Quick Answers

Who qualifies?

New customers only. No BMO account in past 12 months. Available nationwide.

Fastest way to earn

Complete requirements in 90 days. Bonus arrives within 100 days after qualifying.

Key requirements

• Direct deposit required

Fees & gotchas

• No monthly fee ✓
• No early closure fee ✓

Is it worth it?

$400 bonus with no fees to worry about. Full bonus value! Requirements are straightforward—good for bonus beginners.

🧮 Calculate your personalized net value →

✅ How to Qualify

1Open a new BMO Smart Money Checking or BMO Smart Advantage Checking account between September 9, 2025 and January 28, 2026
2Use the promo code when opening the account
3Have a cumulative total of $4,000 in qualifying direct deposits post to your account within 90 days of account opening

📅 Timeline

Day 1

Open Account

Open a new Smart Advantage Checking / Smart Money Checking account

Within 90 days

Set Up Direct Deposit

direct deposit

100-100 days after qualifying

Receive Bonus

Bonus credited to your account

💵 Fees & How to Avoid Them

Monthly Fee$0 ✓

Early Closure Fee$0 ✓

✓ No monthly fees or early closure fees!

⚠️ Things to Watch Out For

•New customers only - existing customers do not qualify
•Cannot have had account in past 12 months
•Promo code required at account opening
•Expires soon: 18 days left

❌ You Won't Qualify If...

•You currently have or previously had an account with this bank
•You had an account with this bank in the past 12 months
•You have any existing account with this bank

Ready to Earn $400?

Click below to apply directly on BMO's website.

Apply for BMO Bonus

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