{"slug":"bmo-eligible-checking-sign-up-bonus","category":"bank","institutionSlug":"bmo","product":"Eligible 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":"2026-07-19","reports":1,"openIssues":0,"states":["AZ","CA","CO","FL","IA","IL","IN","MN","NM","NV","OR","UT","WA","WI"],"statesLabel":"14 states","referralGated":false,"hardPull":false,"chex":"Soft pull reported","fee":"Smart Advantage has no monthly fee. Smart Money is $5/month, waived if under age 25. Relationship checking is $25/month, waived with qualifying relationship package.","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/digital-offer/","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 only hard part is waiting about 100 days to get paid.","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":["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."],"reqUsd":4000,"listedOn":"2026-07-11","memberReports":[{"topic":"Window","text":"6/30 to 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 offer","url":"https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/","checkedOn":"2026-07-11"}],"needsVerification":false}