BMO Harris Bank Bonuses: $60, $300, $500 Personal & Business Checking, Savings Promotions

See the latest news for BMO Harris Bank bonuses, promotions, and offers here.

Current offers are $60, $300, & $500 bonuses when opening an eligible checking, business checking, or savings account with qualifying activity.

BMO Harris Bank Bonuses Review

Harris Bank and BMO Financial Group merged in 1984 becoming BMO Harris Bank. They have grown to become one of the largest banks in the Midwest serving personal, commercial, and affluent customers. Their banking team provides a combination of sector expertise, local knowledge, and mid-market focus throughout the nation.

I’ll review the current BMO Harris Bank bonuses below.

BMO Harris Premier™ Account $500 Cash Bonus

• What you’ll get: $500 + $60 Savings Bonus
• Account Type: Premier Checking^TM
• Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI (Bank Locator)
• Credit Inquiry: Soft Pull

How To Earn Bonus

$500 Bonus:

• Open a new BMO Harris Premier^TM account and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.

$60 Bonus:

• Open a new Savings Builder account and enjoy the benefit of earning a $5 savings reward every month you save $200 or more for the first year.

How To Waive Monthly Fee

• BMO Harris Premier^TM Account
  • $25 Monthly Maintenance Fee waived when you have one of the following: $10,000 minimum daily balance, $25,000 in combined balances with Relationship Waiver, or a BMO Harris Financial Advisors, Inc. investment account

BMO Harris Smart Advantage™ Account $300 Cash Bonus

• What you’ll get: $300 + $60 Savings Bonus
• Account Type: Smart Advantage^TM
• Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI (Bank Locator)
• Credit Inquiry: Soft Pull

How To Earn Bonus

$300 Bonus:

• Open a new BMO Harris Smart Advantage^TM Account and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.

$60 Bonus:

• Open a new Savings Builder account and enjoy the benefit of earning a $5 savings reward every month you save $200 or more for the first year.

How To Waive Monthly Fee

• BMO Harris Smart Advantage^TM Account
  • No minimum balance and no monthly fees with eStatements.

BMO Harris Harris Smart Money™ Account $300 Cash Bonus

• What you’ll get: $300 + $60 Savings Bonus
• Account Type: Smart Money^TM
• Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI (Bank Locator)
• Credit Inquiry: Soft Pull

How To Earn Bonus

$300 Bonus:

• Open a new BMO Harris Smart Money^TM Account and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.

$60 Bonus:

• Open a new Savings Builder account and enjoy the benefit of earning a $5 savings reward every month you save $200 or more for the first year.

How To Waive Monthly Fee

• BMO Harris Smart Money^TM Account
  • $5 monthly maintenance fee or $0 if you’re under 25

BMO Harris Bank $300 or $500 Business Checking Bonus

• What you’ll get: $300 or $500 bonus
• Eligible account: Business Checking
• Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI (Bank Locator)
• Credit Inquiry: Soft Pull

(Offer expires 09/30/2022)

How To Earn Bonus

• Open a new BMO business checking account online or in branch between June 4, 2022 and September 30, 2022.
• Maintain a specific account balance for 90 days
  • Get $300 when you maintain a balance of $5,000 for 90 days.
  • Get $500 when you maintain a balance of $10,000 for 90 days.
• Make 10 qualifying transactions within 90 days of opening your account.

How To Waive Monthly Fee

• Premium Business Checking: The $15 dollars monthly maintenance fee with $1,500 dollars or more Average Collected Balance for the statement period.
• Elite Business Checking: The $20 dollars monthly maintenance fee with $5,000 dollars or more in Average Collected Balance or $15,000 dollars or more in Combined Balance for the statement period
• Simple Business Checking: The $10 dollars monthly maintenance fee with $100 dollars or more in Average Collected Balance.
• Digital Business Checking: The $10 dollars monthly maintenance fee with $500 dollars or more in Average Collected Balance.

Fine Print

• You can receive either the $300 bonus or the $500 bonus. You can apply online or at a BMO Harris branch. To apply online, click Open Now for the checking account of your choice above and we’ll automatically apply the promo code for you. Before you apply at a branch, enter your information, and click “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.
• You are not eligible for the business checking bonus if you have an existing BMO Harris business checking account, or, have a closed a BMO Harris business checking account within the past 12 months, using the same Taxpayer Identification Number/Employer Identification Number/Social Security Number as the new account. Bonus will be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or cancelled without notice at any time, cannot be combined with any other offer, and is limited to one per business entity.
• The minimum deposit to open a business checking account is $100, however, to receive the bonus you must meet the applicable balance requirement as stated below. For business checking account and fee information, including current interest rates for the variable rate BMO Elite Business Checking account, visit bmoharris.com or call 1-800-546-6101.

BMO Harris Bank $60 Savings Bonus

Earn up to $60 bonus with this Statement Savings account promotions from BMO Harris Bank.

• What you’ll get: Up to $60 bonus
• Eligible account: Statement Savings Account
• Availability: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI (Bank Locator)
• Credit Inquiry: Soft Pull

(No Offer Expiration Listed)

How To Earn Bonus

• Earn $5 for every month you save $200 or more for the first year of opening your account
• You can earn up to $60 in total after the year ends

Fine Print

• You must open a new Statement Savings account between November 2, 2020 and October 29, 2021 at a BMO Harris branch in AZ, FL, IL, IN, KS, MN, MO or WI or online.
• If you open your account online, you must reside in AZ, FL, IL, IN, KS, MN, MO or WI.
• For every month that your balance grows by at least $200, we will credit your account with a $5 bonus within 5 calendar days after the end of the month.
• To calculate if your balance has grown by $200, we will compare your balance on the last business day of the previous month to your balance on the last business day of the current month.
• Interest and bonus payments will not count towards your balance growth.
• If your balance does not grow by at least $200 in a month, you will not be disqualified for subsequent months.
• Your account is only eligible for this offer for 12 consecutive months beginning with the month your account is opened.
• If you fund your account on the day you open your account or any other day that month, your opening deposit will count towards your balance growth for the first month of this offer.
• If your account is not funded until the next month, you will only be eligible for 11 consecutive months of rewards.
• Accounts opened online may have a delay in initial funding.

Conclusion

If you live near a BMO Harris Bank location, you have the opportunity to earn an attractive bonus. Keep in mind, some of the promotions on this post are for business owners or employees of a business affiliated with BMO Harris. In my opinion, the bonuses are attractive because they are soft pull, so it won’t hurt your credit score.

Feel free to comment on this post with any questions you may have about BMO Harris Bank, their accounts they offer, or any experiences you have had!

Although these bank promotions are rather generous, you can also take advantage of our list of Savings, Money Market, and CD rates.

• Best Savings/Money Market rates
• Best CD Account rates

If you don’t live in the available areas, be sure to check out our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo, Bank of America, CIT Bank, Citi and many more.

Check back often for more BMO Harris Bank Bonuses, Promotions, or Offers!