$600 bonus
Offer type
Bank account bonus
Expiry
Ends Dec 15, 2026 — 74 days left
Min. opening deposit
$25
Direct deposit
Required
Availability
14 states — AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
Last verified
2026-10-02
How to earn it
- Open a new BMO Smart Advantage, Smart Money, or Relationship Checking account
- Primary applicant must reside in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, or WI at the time of application
- Beginning the month following account opening, earn a $100 cash bonus each consecutive month (up to 6 months, $600 total) you have a cumulative total of $1,000 or more in qualifying direct deposits posted to the account
- Account must be funded with at least $25 to open