BMO Promotions
BMO is currently offering ten 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.
BMO Smart Advantage Checking Account - Earn $350 Cash Bonus*
$350 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 2/4/25 - 5/2/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
BMO Smart Money Checking Account - Earn $350 Cash Bonus*
$350 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 2/4/25 - 5/2/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
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.
BMO Alto Online Savings Account - 3.70% APY
- No fees
- $0 minimum opening deposit
- No minimum balance requirements
- Unlimited transfers and withdrawals
Elite Business Money Market - 0.80% APY
- 0.80% APY
- $100 minimum opening deposit
- $15 monthly maintenance fee or $0 with an Average Collected Balance of $5,000 or more per statement period
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.
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
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 - $350 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.
Yesterday | BMO Smart Advantage Checking Account - Earn $350 Cash Bonus* selected by a visitor from Florida |
4 days ago | BMO Smart Money Checking Account - Earn $350 Cash Bonus* selected by a visitor from California |
10 days ago | Savings Account - Up to $60 Bonus selected by a visitor from Ohio |
2/6/2025 | Business Checking Account - $350 Bonus selected by a visitor from Indiana |
10/19/2024 | Business Checking Account - $750 Bonus selected by a visitor from Texas |
Compare Promotions
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 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 05/31/2025.
- 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.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
CIT Bank Platinum Savings - $300 Bonus
- Transfer a one-time deposit of $50,000+ for a Bonus of $300
- 4.30% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- No monthly maintenance fee
- Member FDIC
UFB Portfolio Money Market - Earn up to 4.01% APY
- Earn up to 4.01% APY*
- Enjoy no monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
- Access your funds 24/7 with easy-to-use digital banking tools.
- Have peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.
Business Checking Account - $400 Bonus
- Earn $400 when you open a new small business checking account and complete qualifying activities.
- Choose between:
- Truist Simple Business Checking—Perfect if you're just starting out or have low transaction volume.
- Truist Dynamic Business Checking—With more perks as your balances grow—and a true, local partnership.
- New business checking clients only
- From October 1st, 2024 – March 31st 2025
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*
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 $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
0.01% APY. $5 reward every month you save $200 or more, for the first year.
0.05% - 3.15% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.
Smart Advantage, Smart Money, Relationship
0.80% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.
40,000+ BMO and Allpoint ATMs
Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm
0.05% - 1.50% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit
IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee
981 branches
- Pricing information from published website as of 03/05/2025 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.
More Information
More Deals to Save Money at BMO
13-Month CD - 3.15% 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 12-Month CD - 3.15% APY
BMO Alto 6-Month CD - 3.15% APY
25-Month CD - 3.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
35-Month CD - 3.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
45-Month CD - 3.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
59-Month CD - 3.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
BMO Alto 36-Month CD - 3.00% APY
BMO Alto 48-Month CD - 3.00% APY
BMO Alto 60-Month CD - 3.00% APY
12-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.
18-Month CD - 1.20% 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 - 1.20% 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 - 1.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
36-Month CD - 1.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
48-Month CD - 1.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
60-Month CD - 1.00% APY
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
BMO Alto Online Certificates of Deposit
Term | APY |
---|---|
6-Month | 3.15% |
12-Month | 3.15% |
24-Month | 3.00% |
36-Month | 3.00% |
48-Month | 3.00% |
60-Month | 3.00% |
CD Specials
Term | APY |
---|---|
13-Month | 3.15% |
25-Month | 3.00% |
35-Month | 3.00% |
45-Month | 3.00% |
59-Month | 3.00% |
APY is for ZIP code 60603, and for a minimum balance of $1,000. APY may differ depending on location and minimum balance.
Standard CD
Term | APY |
---|---|
3-Month | 0.05% |
6-Month | 0.05% |
9-Month | 0.05% |
12-Month | 1.50% |
18-Month | 1.20% |
24-Month | 1.20% |
30-Month | 1.00% |
36-Month | 1.00% |
48-Month | 1.00% |
60-Month | 1.00% |
BMO Alternatives
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.
Bank of America® Business Advantage Banking Checking Account - $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 eligible business checking customers only.
- Offer expires 12/31/2025.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- 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.
- *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) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Silver Business Checking account - $500 Bonus
Promo code Q1AFL25 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts. Business Essentials is not available in all markets; contact a banker for more details.
Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 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 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
CIT Bank Platinum Savings - $225 Bonus
- Transfer a one-time deposit of $25,000 - $49,999.99 for a Bonus of $225
- 4.30% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- No monthly maintenance fee
- Member FDIC