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 only hard part is waiting about 100 days to get paid.
Eligibility
How to get the BMO Checking bonus
- 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.
The fine print that matters
- Primary applicant must reside in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, or WI at application.
- Offer link carries the code. Verify it attaches before submitting.
- One checking cash bonus per customer.
Verification and reports
Confirmed against bmo.com on Jul 19, 2026. Based on 1 field report. Status Limited reports is computed from those reports, never hand-set.
6/30 to 9/8 window and $400/$4,000 structure confirmed via BankBonus and US News on 7/7/26.
Report your result
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Offer history
| 2025 | $300-$500 | prior seasonal windows at varying tiers |
Sources: bmo.com checking offer (checked Jul 11, 2026)