A seasonal window with real dates — opened June 30, closes September 8 — paying $400 for $4,000 in qualifying direct deposits within 90 days across three eligible checking products. The deposit hurdle is heavier than Chase's, but the window is long and the payout timeline is the main patience test.
Requirements, precisely
- Open a Smart Money, Smart Advantage, or Relationship Checking account via the offer link between June 30 and September 8, 2026.
- Receive $4,000 in qualifying direct deposits within 90 days of opening.
- Bonus pays approximately 100 days after account opening.
Fine print that matters
- Offer link carries the code — verify it attaches before submitting.
- Verify BMO's prior-customer exclusion window at publish.
Field reports
Window. 6/30–9/8 window and $400/$4,000 structure confirmed via BankBonus and US News on 7/7/26.
Reports are dated, sourced, and curated from public coverage and reader tips. Spot something new or wrong? Send a tip — corrections ship and are credited in the changelog.
Offer history
| 2025 | $300–$500 | prior seasonal windows at varying tiers |
Status: Limited reports — computed from the field reports above, never hand-set. Label definitions are on the method page. Sources: bmo.com checking offers (checked Jul 7, 2026) · BankBonus listing (checked Jul 7, 2026)