How to get it: Open a BMO Harris Smart Advantage™ or Premier account on the promotional page by phone or at a branch and receive a total of at least $4,000 or $7,500 in qualifying direct deposits, respectively, within 90 days of opening the account. Opening a Smart Advantage™ account and meeting the criteria will earn you $200; opening a Premier account and meeting the criteria will earn you $350. The account type you have at the end of those 90 days will determine the bonus you receive.
Where to open: Online, by phone or at a branch.
Who can qualify: The Smart Advantage™ account is available in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin. You must not have had a BMO Harris personal checking account within the past 12 months. You cannot receive a checking account bonus more than once.
When you’ll get it: About 100 days after opening the account.
Monthly fee:
Smart Advantage™: $0 when you opt into paperless statements; otherwise it’s $2 for a monthly service fee and $3 a month for showing check images.
Premier: $25, waived with a $10,000 minimum daily balance or $25,000 in combined balances among BMO Harris accounts, or if you have a BMO Investment Services account or are a client of the Best of BMO U.S. employee benefits program.
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