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BMO Bank

BMO Bank Promotions

BMO Bank is currently offering eleven promotions. Read our in-depth review of BMO Bank to see why BMO Bank scored 3.5 stars out of 5. We like their free checking with estatements, large atm network, and good financial tools.

$350

BMO Smart Advantage Checking - $350 Cash Bonus

Get a $350 cash bonus when you open a new Smart Money Checking or Smart Advantage Checking account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.

Expires 9/9/2024
$350

BMO Smart Money Checking - $350 Cash Bonus

Get a $350 cash bonus when you open a new Smart Money Checking or Smart Advantage Checking account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.

Expires 9/9/2024
$500

BMO Relationship Checking - $500 Cash Bonus

Get a $500 cash bonus when you open a new Relationship Checking account and have a cumulative total of $7,500 in qualifying direct deposits within 90 days of opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.

Expires 9/9/2024
$60

Savings Account - Up to $60 Bonus

Open a new Statement Savings account. Earn $5 every month when you save $200 or more per month. Your account is only eligible for 12 consecutive months beginning with the month your account is opened. See terms and conditions for more information.

5.10%

BMO Alto Online Savings Account - 5.10% APY

  • No fees
  • $0 minimum opening deposit
  • No minimum balance requirements
  • Unlimited transfers and withdrawals

BMO Relationship Checking

  • Up to $25 rebated per statement period on ATM surcharge fees charged by other banks
  • $25 monthly fee may be waived if you meet any of the following requirements: minimum daily ledger balance of $10,000 or more for the previous calendar month, monthly combined balance of $25,000 for the previous calendar month, if you have a BMO Investment Services (BIS) account, or if you are a Best of BMO US client.

BMO Smart Advantage Checking

  • No minimum balance required
  • Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
  • No monthly fees with paperless statements

BMO Smart Money Checking

  • No minimum balance required
  • Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
  • $5 monthly maintenance fee ($0 if you're under 25 years old)

Elite Business Money Market

  • 1.00% APY
  • $100 minimum opening deposit
  • $15 monthly maintenance fee or $0 with an Average Collected Balance of $5,000 or more per statement period
$750

Business Checking Account - $750 Bonus

Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $25,000 or more on the 30th day after account opening. Balance in the account must be $25,000 or more from the 31st to the 90th day after opening the account.

Expires 9/9/2024
$300

Business Checking Account - $300 Bonus

Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $4,000 or more on the 30th day after account opening. Balance in the account must be $4,000 or more from the 31st to the 90th day after opening the account.

Expires 9/9/2024
BMO Bank Trending Offers
Last hourSavings Account - Up to $60 Bonus selected by a visitor from Texas
4 hours agoBMO Relationship Checking - $500 Cash Bonus selected by a visitor from California
5 hours agoBMO Smart Advantage Checking - $350 Cash Bonus selected by a visitor from Utah
9 hours agoBMO Smart Money Checking - $350 Cash Bonus selected by a visitor from Michigan
2 days agoBMO Alto Online Savings Account - 5.10% APY selected by a visitor from Minnesota
US Bank
Member FDIC

U.S. Bank Smartly® Checking - Up to $450 Bonus

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through September 26, 2024. Member FDIC.

Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposit(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450

Fund your new account within 30 days to start qualifying activities. Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

Expires 9/26/2024
High-Yield Savings Premier - 5.31% APY

High-Yield Savings Premier - 5.31% APY

  • No account activity or maintenance fees
  • $500 minimum opening deposit
  • FDIC insured
5.31% annual percentage yield (APY) is accurate as of 7/11/2024 and subject to change at the Bank's discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC
Harborstone Credit Union

Money Market Deposit Account - 5.25% APY

  • No fees
  • $1 minimum deposit to open
  • 24/7 online access to funds
  • Federally insured by NCUA
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Expires 10/16/2024
Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

  • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 9/30/2024.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.
Expires 9/30/2024

BMO offers a variety of checking and savings accounts, including options with no monthly fee.

BMO Promotions

BMO Bank frequently offers cash bonuses for new banking customers when you meet certain criteria. Keep your eye out on our page for coupons. If you see one, be aware of when the offer expires and act on it quick.

You can open an account online in just minutes to take advantage of the bonus deal.

BMO Personal Checking Accounts

BMO offers 3 checking account options, including a free account:

  • Smart Advantage Checking: This is the most popular checking account. It has $0 monthly service fee and no minimum balance requirement. The minimum opening deposit is $25.

  • Smart Money Checking: This account has no overdraft or NSF fees - you can only spend what you have. It has a $5 monthly maintenance fee that's waived for those under age 25. The minimum opening deposit is $25.

  • Relationship Checking: This premium tier account gives you extra benefits the more you have on deposit. You can waive the $25 monthly fee by having a daily ledger balance of $10,000 for the previous calendar month, OR having a monthly combined balance of $25,000 for the previous calendar month.

Checking Account Features

All BMO checking accounts have these features:

  • Access to 40,000+ ATMs: Besides the 1,300 BMO ATMs, you also get free access to Allpoint ATMs throughout the nation.

  • Digital banking: Bank from anywhere with remote check deposits, online bill pay, free external transfers, and Zelle.

  • Mobile Cash: You can leave the wallet at home and withdraw cash from ATMs with just your smartphone.

  • BMO Total Look: Link all your financial accounts (even the ones not with BMO) so you can manage everything in one place.

  • Budgeting: Create a personalized budget and keep track of your spending.

  • Team fan perks: Fan of the Bulls, Blackhawks, or Bucks? Show your pride with a custom debit card. Save 15-20% on team merchandise at certain places.

Get the Most Out of Your BMO Accounts

  • Savings Builder: Their Savings Building account offers a great bonus. For every month that you save at least $200, BMO will give you a $5 bonus, for the first year. Over a year, you can get $60 added to your savings fund. This account has no monthly service fee.

  • Relationship benefits: If you can keep at least $10,000 balance, you can open the Relationship Checking. You'll get extra benefits like ATM fee rebates, interest on checking balance, credit card bonuses, lending discounts and more. The bigger your balance, the more rewards you get.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

    Highlights

    Savings
    0.01% APY. $5 reward every month you save $200 or more, for the first year.
    CD
    0.05% - 4.90% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.
    Checking
    Smart Advantage, Smart Money, Relationship
    Money Market
    1.00% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.
    ATMs
    40,000+ BMO and Allpoint ATMs
    Customer Service
    Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm
    IRA CD
    0.05% - 2.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit
    IRA Money Market
    IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee
    Locations
    981 branches

    More Information

  • Pricing information from published website as of 07/11/2024 based on 60603 zip code.
  • For the complete terms and conditions, view the merchant's website. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the merchant's website.
 BMO Bank
Member FDIC
Chase
Member FDIC
 Visit SiteVisit Site
 

BMO Bank

Chase

 

Benefits and Features

Savings0.01% APY. $5 reward every month you save $200 or more, for the first year.
  • Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open.
  • Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD0.05% - 4.90% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
CheckingSmart Advantage, Smart Money, Relationship
  • Chase Total Checking®
  • Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
  • Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
  • Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
  • Chase Private Client Checking℠: For high net worth individuals who have $250,000 on deposit with Chase.
Money Market1.00% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. 
Mobile App 
iOS & Android
ATMs
40,000+ BMO and Allpoint ATMs
15,000+ Chase ATMs
Customer ServiceMon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pmAutomated service available 24 hours a day,
7 days a week
IRA CD0.05% - 2.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit 
IRA Money MarketIRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee 
Locations
981 branches
Over 4,700
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

BMO Bank: Pricing information from published website as of 07/11/2024 based on 60603 zip code.

Chase: Pricing information and data points from published website as of 07/15/2024.

More Deals to Save Money at BMO Bank

BMO Alto 6-Month CD - 5.10% APY

BMO Alto 12-Month CD - 5.05% APY

13-Month CD - 4.75% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

BMO Alto 60-Month CD - 4.75% APY

BMO Alto 48-Month CD - 4.70% APY

BMO Alto 36-Month CD - 4.60% APY

25-Month CD - 4.40% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

35-Month CD - 4.30% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

45-Month CD - 4.30% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

59-Month CD - 4.30% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

12-Month CD - 2.00% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

18-Month CD - 1.70% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

24-Month CD - 1.50% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

30-Month CD - 1.40% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

36-Month CD - 1.35% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

48-Month CD - 1.35% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

60-Month CD - 1.35% APY

APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.

BMO Alto Online Certificates of Deposit

TermAPY
6-Month5.10%
12-Month5.05%
24-Month4.65%
36-Month4.60%
48-Month4.70%
60-Month4.70%

CD Specials

TermAPY
13-Month4.75%
25-Month4.40%
35-Month4.30%
45-Month4.30%
59-Month4.30%

Standard CD

TermAPY
3-Month0.05%
6-Month0.05%
9-Month0.05%
12-Month2.00%
18-Month1.70%
24-Month1.50%
30-Month1.40%
36-Month1.35%
48-Month1.35%
60-Month1.35%


BMO Bank Alternatives

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Expires 10/16/2024
Bank of America
Member FDIC

Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

Earn a cash bonus in three steps:
  1. Open a new eligible Business Advantage checking account by December 31, 2024. This is an online only offer for new eligible business checking customers only
  2. Deposit $5,000 or more in New Money* directly into your new eligible Bank of America Business Advantage Banking account within thirty (30) calendar days of account opening
  3. Maintain an average balance of $5,000 or more in that new Business Advantage Banking account during the Maintenance Period**.

*New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
**The Maintenance Period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Bank of America, N.A. Member FDIC

Expires 12/31/2024
US Bank
Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 16, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $300.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Expires 9/16/2024
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY624 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/12/2024, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 9/12/2024
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.00% APY

  • 5.00% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

Articles on BMO Bank

BMO Bank Review

BMO offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on.

BMO Routing Number

If you have a BMO Bank account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.

Is BMO an Ethical Bank

BMO has been recognized as one of the World's Most Ethical Companies for six consecutive years. How did they earn this award? Find out.

BMO Relationship Minimum Balance

Get more perks when you open a BMO Relationship Checking Account. Find out the balance you need to reach to unlock them.

Is BMO a Good Bank

Is BMO a good choice for your banking needs? Find out here.

Is BMO a Safe Bank

Wondering about the security of your funds with BMO Bank? They have a Financial Crimes Unit backing you up, for one. Read on for more details.

What is BMO Bank

BMO Harris is now BMO. But are they a legit bank? Find out if you should bank with them.

BMO Smart Money vs Smart Advantage

BMO's Smart Advantage has $0 monthly fees. Smart Money has no overdraft fees. Which one is a smarter choice? Read on to find out.

Is BMO a Real Bank

BMO, is a U.S bank, part of the Bank of Montreal. It offers solid basic checking options and a large ATM network. But, is it legit? Read on to find out.

Recent Mentions

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Best Free Checking Accounts

Best Free Checking Accounts

Want to dodge hefty banking fees? Learn about the best free checking accounts in this detailed guide. No hidden charges or high balances needed.
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More Bank Promotions

Chase
Member FDIC

Chase Coupon

Chase Bank $300 Bonus
Bank of America
Member FDIC

Bank of America Promotions

Bank of America Advantage Banking - $200 Bonus Offer

Capital One 360 Promo Code

Personal Savings Account - $1,500 Bonus

Wells Fargo Promotions

Personal Checking Account - $300 Bonus

PNC Bank Promotions

Virtual Wallet with Performance Select Checking - $400 Bonus
US Bank
Member FDIC

US Bank Promotions

U.S. Bank Smartly® Checking - Up to $450 Bonus

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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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