BMORuns seasonal checking windows with real start and end dates and a mid-size direct-deposit hurdle. The current window opened June 30 and closes September 8.
BMO
Bank · 3 live offers, $1,900 cash
BMO has 3 live sign-up bonuses we track, the biggest $1,500. Every offer below is verified against BMO's own terms and carries the date we last checked it. We take no affiliate placement, so what appears and in what order reflects the offers, not payouts.
What counts as a direct deposit
The bank's own definition: A direct deposit of your paycheck, pension, or government benefits, deposited electronically by your employer or a government agency into the checking account.
Counts
- Employer payroll
- Pension payments
- Government benefits like Social Security
Does not count
- Transfers from another account
- Person-to-person payments
- Mobile or ATM check deposits
Quoted from the bank's page and checked Jul 17, 2026.
Live offers
Business CheckingChecking · Nationwide$1,500Ends Aug 31Eligible checkingChecking · 14 states$400Checked Jul 19, 2026Alto Online SavingsSavings · Nationwide3.15% APYChecked Jul 17, 2026
Common questions
What sign-up bonuses does BMO have right now?
BMO has 3 live sign-up bonuses, the biggest $1,500. See the full list above, each verified against BMO's own terms.
Does BMO use ChexSystems?
Soft pull reported
Does opening a BMO account affect my credit?
Hard inquiry for cards
How BMO bonuses have moved
Every tracked figure below is flat or down on its previous level. Each row shows where the current figure sits against its own history, not against any other institution.
Eligible checking
now $400
