BMO Checking: $400 bonus
Category: bank | Product: Eligible checking
Bonus: $400
Requirement: $4,000 in direct deposits, 90 days
Dollar requirement: 4000
Status: live
Expires on: 2026-09-08
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 period: Bonus pays ~100 days after opening; account must be open
Payout timing: Approximately 100 days after account opening
ChexSystems: Soft pull reported
Hard credit pull: false | Referral gated: false
Available in: AZ; CA; CO; FL; IA; IL; IN; MN; NM; NV; OR; UT; WA; WI
Verified on: 2026-07-19