BMO Promotions
Read our in-depth review of BMO to see why BMO scored 3.5 stars out of 5. We like their free checking with estatements, large atm network, and good financial tools.
As of May 2026, the best BMO checking account bonus offers $400 Bonus. BMO business checking bonus offers $1,500 Bonus, $1,000 Bonus and $750 Bonus.
Personal Checking Account - $400 Bonus
Open a new BMO Smart Money Checking, BMO Smart Advantage Checking, or BMO Relationship Checking account. Set up and receive qualifying direct deposits totaling $4,000 or more within 90 days of account opening.
Business Checking Account - $1,500 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. Account balance must be $100,000 or more on the 30th day after account opening. Balance in the account must be $100,000 or more from the 31st to the 90th day after opening the account.
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. Account balance must be $50,000 or more on the 30th day after account opening. Balance in the account must be $50,000 or more from the 31st to the 90th day after opening the account.
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.
Business Checking Account - $400 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.
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.
Alto Online Savings Account - 3.15% APY
- No fees
- $0 minimum opening deposit
- No minimum balance requirements
- Unlimited transfers and withdrawals
Business Platinum Money Market - Up to 2.30% APY
- Up to 2.30% APY
- $100 minimum opening deposit
- $15 monthly maintenance fee or $0 with an Average Collected Balance of $10,000 or more per statement period
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)
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.
Compare Promotions
HSBC Premier - Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
CIT Bank Platinum Savings - 4.10% APY Boost
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- 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*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 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.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - $500 Bonus
- Earn $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- More small business owners choose Chase than any other bank
- The #1 choice for small business banking.
BMO offers a variety of checking and savings accounts, including options with no monthly fee.
BMO Promotions
BMO 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 no monthly fees with paperless statements 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 minimum daily ledger balance of $10,000 or more for the previous calendar month, OR having a monthly combined balance of $25,000 for the previous calendar month, OR if you are a Best of BMO U.S. client.
Checking Account Features
All BMO checking accounts have these features:
- Access to 40,000+ ATMs: Besides the 1,400 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 10-20% 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
0.01% APY. $5 reward every month you save $200 or more, for the first year.
0.05% - 2.50% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.
Smart Advantage, Smart Money, Relationship
Up to 2.30% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.
40,000+ BMO and Allpoint ATMs
Monday–Friday, 7 a.m.–11 p.m. (CT), and Saturday–Sunday, 8 a.m.–10 p.m. (CT)
0.05% - 0.75% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit
IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee
900+ branches
Pricing information from published website as of 05/26/2026 based on 60603 zip code.
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| Learn More | Learn More | |
BMO | Chase | |
|---|---|---|
Benefits and Features | ||
| Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. |
|
| CD | 0.05% - 2.50% 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. |
| Checking | Smart Advantage, Smart Money, Relationship |
|
| Money Market | Up to 2.30% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | ||
| Customer Service | Monday–Friday, 7 a.m.–11 p.m. (CT), and Saturday–Sunday, 8 a.m.–10 p.m. (CT) | Automated service available 24/7 |
| IRA CD | 0.05% - 0.75% 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 | ||
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BMO: Pricing information from published website as of 05/26/2026 based on 60603 zip code. Chase: Pricing information and data points from published website as of 05/16/2026. | ||
CD Specials
| Term | APY |
|---|---|
| 13-Month | 2.50% |
| 25-Month | 2.50% |
| 35-Month | 2.50% |
| 45-Month | 2.50% |
| 59-Month | 2.50% |
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
Alto Online Certificates of Deposit
| Term | APY |
|---|---|
| 6-Month | 2.50% |
| 12-Month | 2.50% |
| 24-Month | 2.50% |
| 36-Month | 2.50% |
| 48-Month | 2.50% |
| 60-Month | 2.50% |
Standard CD
| Term | APY |
|---|---|
| 3-Month | 0.05% |
| 6-Month | 0.05% |
| 9-Month | 0.05% |
| 12-Month | 0.75% |
| 18-Month | 0.75% |
| 24-Month | 0.75% |
| 30-Month | 0.75% |
| 36-Month | 0.75% |
| 48-Month | 0.75% |
| 60-Month | 0.75% |
BMO Alternatives
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile® app.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
CIT Bank Platinum Savings - 3.75% APY
- 3.75% 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
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 3.00% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
Free Checking Account for Small Business Owners
- Sign up in 3 minutes; no credit check
- No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
- Automatic Savings
- Get paid up to 2 days early
- Savings with up to 4.00% APY
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 09/30/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC

















