All bonuses are subject to being reported to the IRS for tax purposes. Your bonus will be deposited into your checking account 100 days after account opening if you’ve met all requirements. Your account must be in good standing to receive the bonus. Earn a $400 bonus when you open a new Relationship Checking account and receive at least $7,500 in qualifying direct deposits within 90 days of account opening.Earn a $250 bonus when you open a Smart Advantage or Smart Money checking account using the promo code and receive at least $4,000 in qualifying direct deposits within the first 90 days.Begin an account application online and scroll to the bottom to find your promo code, which you’ll need at account opening. If you apply for a checking account by phone or at a branch, you’ll need to grab a promo code from BMO’s bonus landing page first. When opening an account online from the bonus landing page, a unique promo code will automatically be applied to your application. Personal checking accounts require a $25 minimum opening deposit. All three bonuses have similar requirements, and accounts must be opened by May 3, 2024.
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