# BMO Checking — $400 bonus

Canonical: https://dealaka.com/offers/bmo-checking-400

- Status: Limited reports
- Bonus: $400
- Requirement: $4,000 in direct deposits, 90 days
- Expires: Sep 8, 2026
- Availability: Nationwide
- Institution: BMO
- Verified: Jul 7, 2026 against bmo.com
- Field reports: 1

## 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.

## Requirements
1. Open a Smart Money, Smart Advantage, or Relationship Checking account via the offer link between June 30 and September 8, 2026.
2. Receive $4,000 in qualifying direct deposits within 90 days of opening.
3. 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.

## Offer history
- 2025: $300–$500 — prior seasonal windows at varying tiers

## Sources
- bmo.com checking offers <https://www.bmo.com/en-us/main/personal/checking-accounts/> (checked Jul 7, 2026)
- BankBonus listing <https://bankbonus.com/> (checked Jul 7, 2026)

_This entry is reference information, not financial advice. Direct links only — Dealaka holds no affiliate relationships._