Smart Advantage Checking

Checking

$600

Cash bonus

Apply Track this bonus

Tracking is free: SuperChurn keeps every requirement and deadline for this bonus in one place. No bank login needed.

How to earn it

$6,000 direct deposit within 7 months
$1,000+ in direct deposits in each of the 6 months after opening ($100 per month)
Direct deposit · Within 7 months of account opening
Terms: “earn a $100 cash bonus each consecutive month you have a cumulative total of $1,000 or more in qualifying direct deposits post to your account”

Who can get this bonus

1 per 12 months“Not for existing BMO personal checking clients or anyone who closed one in the last 12 months.”
Per person“One checking bonus per client.”The limit counts you as an individual (your SSN).

From BMO’s offer terms · checked Sep 25, 2026. Eligibility is the bank’s decision; confirm with it before you apply.

Fees and keeping the account open

Monthly fee: None
Keep the account open: Not stated
Available in: AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI; Primary applicant must live in one of these states. Not for existing BMO personal checking clients or anyone who closed one in the last 12 months. $25 minimum opening deposit. Also eligible: Smart Money and Relationship Checking.

Offer terms

Open a new BMO Smart Advantage Checking account (or Smart Money / Relationship Checking) with the promo code between Sep 9 and Dec 15, 2026. The primary applicant must live in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA or WI. Starting the month after opening, earn $100 for each month (up to 6) that $1,000 or more in qualifying direct deposits posts — paychecks, pensions, Social Security or other government benefits. Teller, wire, ATM, BMO transfers, transfers from other banks, Zelle/Venmo and merchant-platform deposits don't count. A missed month doesn't disqualify later months. Each $100 is paid about 10 days into the next month; the account must be open, in good standing, with a balance above $0. Not for existing BMO personal checking clients or anyone who closed one in the last 12 months. One checking bonus per client. May be reported to the IRS.