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BMO Bank

BMO Bank Promotions

BMO Bank is currently offering thirteen 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.

$250

BMO Smart Advantage Checking - $250 Cash Bonus

Open a new BMO Smart Advantage Checking account and get a $250 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account 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 5/3/2024
$250

BMO Smart Money Checking - $250 Cash Bonus

Open a new BMO Smart Money Checking account and get a $250 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account 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 5/3/2024
$400

BMO Relationship Checking - $400 Cash Bonus

Open a new BMO Relationship Checking account and get a $400 cash bonus when you have a cumulative total of $7,500 in qualifying direct deposits within 90 days of account 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 5/3/2024
$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
4.60%

BMO Alto 48-Month CD - 4.60% APY

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
  • $2 monthly fee for paper statements and $3 monthly fee for check images are waived 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
$1,000

Business Checking Account - $1,000 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. Complete 10 eligible electronic transactions which must post to the account within 90 days of account opening. Maintain an Average Collected Balance of $30,000 or more for 90 days after opening the account.

Expires 4/30/2024
$500

Business Checking Account - $500 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. Complete 10 eligible electronic transactions which must post to the account within 90 days of account opening. Maintain an Average Collected Balance of $10,000 - $29,999.99 for 90 days after opening the account.

Expires 4/30/2024
$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. Complete 10 eligible electronic transactions which must post to the account within 90 days of account opening. Maintain an Average Collected Balance of $4,000 - $9,999.99 for 90 days after opening the account.

Expires 4/30/2024
BMO Bank Trending Offers
13 hours agoBusiness Checking Account - $300 Bonus selected by a visitor from New York
15 hours agoBMO Smart Money Checking - $250 Cash Bonus selected by a visitor from Florida
YesterdayBMO Smart Advantage Checking - $250 Cash Bonus selected by a visitor from Illinois
YesterdayBMO Relationship Checking - $400 Cash Bonus selected by a visitor
YesterdayBMO Alto Online Savings Account - 5.10% APY selected by a visitor from California
Citibank
Member FDIC

Enhanced Direct Deposit - Earn $300 Cash Bonus

Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

  • Open a new eligible Citi Checking account with Enhanced Direct Deposits
  • Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening.
  • Your total combined Enhanced Direct Deposit must equal $1,500 or more.
  • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.
High-Yield Savings Premier - 5.36% APY

High-Yield Savings Premier - 5.36% APY

  • No account activity or maintenance fees
  • $500 minimum opening deposit
  • FDIC insured
5.36% annual percentage yield (APY) is accurate as of 1/17/2024 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
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
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • 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 4/17/2024
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 5/31/2024.
  • To qualify, open a 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 account within 90 days of opening.
  • 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 5/31/2024

Headquartered in Chicago, BMO has over 600 branches. It 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% - 5.10% 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% - 0.25% 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
    More than 1,000 branches

    More Information

  • Pricing information from published website as of 02/07/2024 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: $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% - 5.10% 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% - 0.25% 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
More than 1,000 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 02/07/2024 based on 60603 zip code.

Chase: Pricing information and data points from published website as of 02/26/2024.


BMO Bank Alternatives

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 4/17/2024
  • 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.
  • Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
  • Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
  • JPMorgan Chase Bank, N.A. Member FDIC.
  • Pay bills, cash checks and send or receive money with Zelle® all for a $4.95 monthly service fee.
  • 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.
Bank of America
Member FDIC

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

Expires 6/30/2024
Earn a cash bonus in three steps:
  1. Open a new eligible business checking account by June 30, 2024
  2. Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
  3. Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
*Qualifying Deposits are deposits of new money, which is money not currently or previously held in any account at Bank of America or Merrill
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC
Discover Bank
Member FDIC

Online Savings Account - Earn 4.30% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.05% APY

  • 5.05% 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
Bluevine

Free Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, 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.

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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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Chase
Member FDIC

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About CreditDonkey
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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.

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