See the latest news for BMO Harris Bank bonuses, promotions, and offers here.
Currently, they are offering a $60, $200, $300, and a $500 bonus with a Checking and Savings bonus.
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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.
- Bonus Links:
- $300/$500 Checking Bonus (09/30/2021) *See Banner Above*
- $200/$500 Business Checking Bonus (09/30/2021)
- $60 Savings Bonus (10/29/2021)
- Account Type: Checking, Money Market, Business Checking, Savings
- Availability: AZ, FL, IL, IN, KS, MN, MO, WA, WI
- Branches: 600+ (Bank Locator)
- Hard/Soft Credit Inquiry: Soft Pull
- Direct Deposit Options: Varies
Although these bank promotions are rather generous, you can also take advantage of our list of Savings, Money Market, and CD 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, CitiBank and many more.
I’ll review the current BMO Harris Bank bonuses below.
BMO Harris Bank $300/$500 Checking Bonus 
Open a new checking account with qualifying activities and get up to a $500 bonus.
- What you’ll get: $300/$500 Bonus
- Eligible account: Smart Advantage™, Premier™ Checking
- Credit Inquiry: Soft Pull
- Where it’s available: AZ, FL, IL, IN, KS, MN, MO, WA, WI
- How to earn it:
- Open a qualifying checking account and earned tiered bonuses
- Complete the requirements within the given time frame
- Monthly fee: Yes can waive
How to Earn $300/$500 Checking Bonus
HOW TO EARN THE BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
- You must open your account between June 7, 2021 and September 30, 2021.
- Get a $300 bonus when you open a new BMO Harris Smart Advantage™ Account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening.
- Get a $500 bonus when you open a new BMO Harris Premier™ Account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening.
- High Rate Dividends
- Waive the monthly fees
- eStatements
- Debit Mastercard
- FDIC insured to the maximum allowed by law
- Link this account to your personal checking account
- Help avoid overdraft fees with Overdraft Funding
- Smart Advantage:
- No monthly service fees with eStatements
- $2 monthly fee for paper statements and $3 monthly fee for check images are waived when you select paperless statements in BMO Digital Banking.
- Premier Account:
- $25 monthly service fee waived with any of the following:
- The minimum daily Ledger Balance in your account is $10,000 or more for the previous calendar month.
- You have a Monthly Combined Balance of $25,000 for the previous calendar month.
- You have a BMO Harris Financial Advisors, Inc. investment account and have requested the waiver from your BMO Harris Banker.
- You’re a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Harris Banker.
- $25 monthly service fee waived with any of the following:
- To take advantage of these offers, open your accounts at a BMO Harris branch or online.
- To open your accounts at a branch, please visit or call to make an appointment.
- Before you apply at a branch, enter your email and click “Send my promo code”.
- You must present the promo code to the banker.
- The banker must use the promo code to open your accounts.
- To apply online, use the “open now” links above for each account and we’ll automatically apply the promo code for you.
- If you open your account online, you must reside in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri or Wisconsin.
- The Checking Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months.
- The Savings Rewards Offer is limited to one savings account per customer as primary account holder.
- Bonuses are not considered part of the opening deposit and will be reported to the IRS for tax purposes.
- You are responsible for any applicable taxes.
- Offers can be changed or canceled without notice at any time and cannot be combined with any other offer.
- Your accounts must be open, in good standing and must have a balance greater than zero when the bonuses are paid.
BMO Harris Bank $200/$500 Business Checking Bonus
Open a new business checking account in 20 minutes and get a bonus when you meet the offer requirements.
- What you’ll get: $200 – $500 Bonus
- Eligible account: Business Checking
- Credit Inquiry: Soft Pull
- Where it’s available: AZ, FL, IL, IN, KS, MN, MO, WA, WI
- How to earn it:
- $200 bonus:
- Open a new Essential Business Checking account.
- Deposit at least $1,500 within 30 days of opening your account.
- After your balance reaches $1,500, your balance cannot drop below that for the next 90 days.
- Have at least 10 electronic transactions post to the account within 90 days of account opening.
- $500 bonus:
- Open a new Business Advantage Checking account.
- Deposit at least $5,000 within 30 days of account opening.
- After your balance reaches $5,000 your balance cannot drop below $5,000 for the next 90 days.
- Have at least 10 electronic transactions post to the account within 90 days of account opening.
- $200 bonus:
- When you’ll receive it: Bonuses are paid approximately 100 days (Offer A) and 130 days (Offer B) after opening.
- Monthly fee: $15 – $25; See below
(Offer expires September 30, 2021)
| For other business checking accounts, take a look at our Chase Business Checking ($300 Bonus), Huntington Unlimited Plus Business Checking ($750 Bonus), Huntington Unlimited Business Checking ($400 Bonus), as well as the Huntington Business Checking 100 ($200 Bonus). |
How to Earn $500/$200 Bonus
EARN THE BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
- Receive the $200 Essential Business Checking Bonus:
- Open a new Essential Business Checking account between February 1, 2021 and July 11, 2021.
- Beginning Day 31 your balance must be $1,500 and it cannot drop below $1,500 for the next 90 days.
- Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of: ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions.
- Receive the $500 Business Advantage Checking Bonus:
- Open a new Business Advantage Checking account between February 1, 2021 and July 11, 2021.
- Beginning Day 31 your balance must be $5,000 and it cannot drop below $5,000 for the next 90 days.
- Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of: ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions.
- High Rate Dividends
- Waive the monthly fees
- eStatements
- Debit Mastercard
- First 500 transactions free per statement periodfootnote5
- Up to $20,000 in free cash deposits per statement period
- Free domestic and foreign incoming wire transfers
- Up to $100 waived on your first order of checks through us
- Essential Business Checking: Waive $15 monthly maintenance fee with $1,500 or more Average Collected Balance for the statement period
- Business Advantage Checking: Waive $20 monthly maintenance fee with $5,000 or more Average Collected Balance OR $15,000 or more Combined Balance for the statement period
- Offers are not available to existing BMO Harris business checking customers (including authorized signers on multiple accounts) or those who have closed a BMO Harris business checking account within the past 12 months.
- A bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes.
- You are responsible for any applicable taxes.
- Offers can be changed or canceled without notice at any time, cannot be combined with any other offer and are limited to one per business entity.
- The minimum deposit to open a business checking account is $100, however, to receive the bonus you must open the account with the minimum as stated below.
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
- Credit Inquiry: Soft Pull
- Where it’s available: AZ, FL, IL, IN, KS, MN, MO, WA, WI
- How to earn it:
- 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
- Monthly fee: None
(Offer expires October 29, 2021)
| Compare this savings account to alternatives like Aspiration ($100 Bonus + 1.00% APY), American Express High Yield Savings (0.40% APY), Axos Bank High Yield Savings (0.61% APY), and CIT Bank Savings Connect (Up to 0.50% APY). |
How to Earn $60 Bonus
EARNING THE BONUSACCOUNT FEATURESMONTHLY FEESFINE PRINT
- 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
- No monthly maintenance fees
- Online Banking tool access
- Track all your finances for your BMOB M O Harris or your non-BMO non BMO Harris accounts
- FDIC Insured
- No monthly service fees for this account.
- 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.
(Expired) BMO Harris Bank $450 Checking Savings Bonus
Earn $450 in bonuses for a new Checking account and Savings account with this offer from BMO Harris Bank.
- What you’ll get: $450 Bonus
- Expiration Date: None listed
- Eligible account: Checking, Savings
- Credit inquiry: Soft pull
- Where it’s available: AZ, FL, IL, IN, KS, MN, MO, WA, WI
- Monthly fee: $0 – $20; See below
(No expiration date listed)
| Additionally, you can take advantage of some of the best offers available for entry level checking accounts such as Chase Total Checking ($225 Bonus), BMO Harris Bank Checking ($300 Bonus), Citi Priority Account (Up to $1500 Bonus), Discover Cash Back Debit (Up to $360 Bonus), Capital One 360 Checking ($150 Bonus), Aspiration Spend & Save Account ($150 Bonus), as well as TD Bank Convenience Checking ($150 Bonus). |
How to Earn $450 Bonus
HOW TO EARN $450 BONUSACCOUNT FEATURESHOW TO WAIVE THE MONTHLY FEEFINE PRINT
- Receive up to a $450 cash bonus2 when you open the following new products and services:
- $100 cash bonus when you open a new personal checking account with qualifying direct deposits
- $50 cash bonus when you also open a new Statement Savings account with $1,000 new money
- $50 cash bonus when you also open a new BMO Harris Health Savings Account®
- 25,000 bonus points (redeemable for $250 in cash back as a statement credit) when you are approved for a BMO Harris Bank Platinum Rewards Mastercard® Credit Card and spend $2,000 within first 3 months of account opening.
- No minimum balance required on personal checking account
- Unlimited fee-free transactions at over 40,000 Allpoint® network ATMs nationwide
- No fee for withdrawals and deposits at BMO Harris ATMs or branches
- Smart Money Account $5, waived if:
- Below the age of 25
- Smart Advantage Account:
- There are no monthly maintenance fees
- Harris Premier Account $30, waived if you have one of the following:
- $25,000 minimum daily balance
- $50,000 in combined balances with Relationship Waiver
- Or a Financial Advisors, Inc. investment account
- Offers cannot be combined with any other offer and are limited to one per customer.
- They reserve the right to amend or cancel any part of these offers at any time.
- Fees and withdrawals may reduce earnings.
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!
Check back often for more BMO Harris Bank Bonuses, Promotions, or Offers!
BMO’s 800 phone number doesn’t work. You call and press the option to speak to someone about opening an account and get told it’s not in service. Neither can I seem to locate any branch near me. What poor marketing. Maybe they can’t even afford to pay everyone interested in the bonus offers.
I don’t see the requirement to maintain $5,000 in Platinum Money Market account for 90 days to get an additional $100 for BMO $500 bonus package though.