Apply in branch
Enter your email to get your $200 cash bonus promo code—then bring it to a branch.
Open a new checking account with qualifying direct deposits and enjoy a $200 cash bonus1
Our most popular account is great for day-to-day needs.
Enjoy a full-service checking account, plus earn interest.
Earn a higher interest rate, and enjoy extra benefits.
Enter your email to get our $200 cash bonus1 in your inbox
1: Open it online now
Choose from the accounts above and select “open now.” We’ll automatically apply the $200 cash bonus1 promo code.
2. Swing by our branch
Visit us at your convenience—and bring your $200 cash bonus1 promo code with you.
You must mention the promo code in the email sent to you at account opening and your account must be open and in good standing when the bonus is paid approximately 120 days after opening. Not available to 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. To receive the bonus: 1) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking®, BMO Harris Select Checking® or BMO Harris Portfolio Checking® account between February 19, 2017 and April 28, 2017 in a BMO Harris Branch, by calling 1-866-362-1166, or by clicking “open now” above. We’ll automatically apply the $200 offer promo code when you apply online. 2) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of $300 or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify.
Cash 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. Offer cannot be combined with any other offer, is non-transferable and is limited to one per account. We reserve the right to amend or cancel any part of this offer.
Minimum opening deposit of $25 is required for BMO Harris Smart MoneyTM Account and $100 is required for all other accounts. BMO Harris Select Checking and BMO Harris Portfolio Checking are variable rate, personal interest-bearing checking accounts. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of March 9, 2017. BMO Harris Select Checking: 1) 0.01% for balances up to $9,999.99; 0.05% for balances $10,000 or more at our Illinois and Northwest Indiana locations, excluding South Beloit, Roscoe and St. Clair County in Illinois; 2) 0.05% for all balances at all our other locations. BMO Harris Portfolio Checking: 0.05% for all balances and locations. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier in order to earn the APYs disclosed. A periodic rate is applied to the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the business day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmoharris.com.
American Express® is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries.
The ATM operator or network may also charge you a fee for a transaction or a balance inquiry.