BMO

What is the best BMO bank bonus right now?

The best BMO bonus in 2026 is $500. BMO has 3 active bonus offers available.

Does BMO have a checking account bonus in 2026?

Yes, BMO currently offers 2 checking account bonuses in 2026, with the highest worth $500. Direct deposit of $7,500 is required.

How do I get the BMO Smart Advantage Checking sign-up bonus?

To earn the $500 BMO Smart Advantage Checking bonus, open a new account and $7,500+ in qualifying direct deposits within 90 days. The bonus typically posts within 60 days.

How do I get the BMO checking sign-up bonus?

To earn the $400 BMO checking bonus, open a new account and meet the qualification requirements. The bonus typically posts within 30 days. There is no monthly fee.

How do I get the BMO Alto Online Savings sign-up bonus?

To earn the $350 BMO Alto Online Savings bonus, open a new account and deposit $25,000 for 90 days. The bonus typically posts within 45 days. There is no monthly fee.

Does the BMO bonus require direct deposit?

Some BMO bonuses require direct deposit to qualify. Check the specific offer requirements — direct deposit amounts and timing vary by offer.

Does BMO use ChexSystems?

BMO may check ChexSystems when you apply. If you have a negative ChexSystems report, you might be denied. Consider banks that don't use ChexSystems if this is a concern.

How long does it take to get the BMO bonus?

BMO bonuses typically post within 60 days after meeting all requirements. Some offers may take longer — check the specific terms.

BMO Smart Advantage Checking — $500 Bonus

BMO is offering a $500 cash bonus for new BMO Smart Advantage Checking accounts in 2026. To qualify, you need $7,500+ in qualifying direct deposits within 90 days. The bonus posts within 60 days after meeting requirements.

Former Bank of the West customers may have different eligibility.

BMO checking — $400 Bonus

BMO is offering a $400 cash bonus for new BMO checking accounts in 2026. There are no monthly fees. The bonus posts within 30 days after meeting requirements.

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BMO Alto Online Savings — $350 Bonus

BMO is offering a $350 cash bonus for new BMO Alto Online Savings accounts in 2026. A minimum deposit of $25,000 is required for 90 days. There are no monthly fees. The bonus posts within 45 days after meeting requirements.

High-yield savings account. Competitive APY.