{"slug":"bmo-checking-400","category":"bank","institutionSlug":"bmo","product":"Smart Advantage / Smart Money / Relationship Checking","title":"BMO Checking — $400 bonus","bonus":"$400","unit":"cash","amount":400,"reqShort":"$4,000 in direct deposits, 90 days","expiresOn":"2026-09-08","status":"live","verifiedOn":"2026-07-07","reports":1,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Soft pull reported","fee":"Varies by account — Smart Money has no overdraft fees","keep":"Bonus pays ~100 days after opening; account must be open","posts":"Approximately 100 days after account opening","applyDomain":"bmo.com","applyUrl":"https://www.bmo.com/en-us/main/personal/checking-accounts/","summary":"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.","reqSteps":["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."],"finePrint":["Offer link carries the code — verify it attaches before submitting.","Verify BMO's prior-customer exclusion window at publish."],"memberReports":[{"topic":"Window","text":"6/30–9/8 window and $400/$4,000 structure confirmed via BankBonus and US News on 7/7/26."}],"history":[{"when":"2025","amount":"$300–$500","note":"prior seasonal windows at varying tiers"}],"ruleIds":[],"sources":[{"label":"bmo.com checking offers","url":"https://www.bmo.com/en-us/main/personal/checking-accounts/","checkedOn":"2026-07-07"},{"label":"BankBonus listing","url":"https://bankbonus.com/","checkedOn":"2026-07-07"}],"needsVerification":true}