# BMO Checking: $400 bonus

Canonical: https://dealaka.com/offers/bmo-eligible-checking-sign-up-bonus

- Status: Limited reports
- Bonus: $400
- Requirement: $4,000 in direct deposits, 90 days
- Expires: Sep 8, 2026
- Availability: 14 states (AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI)
- Institution: BMO
- Verified: Jul 19, 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 only hard part is waiting about 100 days to get paid.

## 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
- 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.

## Field reports
- Window: 6/30 to 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 offer <https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/> (checked Jul 11, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._