Looking to earn quick cash? BMO is offering a $400 bonus when you open a new Smart Advantage or Smart Money checking account and fulfill simple direct-deposit requirements.
📋 Offer Highlights:
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Bonus Amount: $400
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Eligible Accounts: Smart Advantage Checking or Smart Money Checking
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How to Earn: Deposit $4,000 or more via direct deposits within 90 days
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Offer Period: Open between May 5, 2025 – September 8, 2025, to qualify .
✅ Step-by-Step Guide:
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Open an Account
Apply online or in‑branch using the promo link below. A promo code will be applied automatically or provided via email/branch.
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Fund with Direct Deposits
Total at least $4,000 in direct deposits (e.g., payroll, Social Security, pension) within 90 days of account opening .
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Stay Account-Efficient
Keep your account open and in good standing; funds must remain at a non-zero level until the bonus posts (~100 days post-opening) .
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Bonus Credited
Once qualified, BMO will deposit your $400 bonus directly into your account—typically within ~100 days .
📝 Account Fee Waivers & Features:
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Smart Advantage Checking: $0 monthly fee with eStatements; no minimum balance required .
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Smart Money Checking: $5 monthly fee, waived if under age 25 or via qualifying balance .
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Access to BMO’s nationwide Allpoint ATM network—over 40,000 fee-free ATMs .
🔗 Ready to Apply?
👉Apply Now using BMO’s online portal:
bmo.com/460summer – This digital offer auto-applies the bonus code for you .
💡 Tips to Maximize:
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Initiate direct deposit ASAP after opening the account.
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Use eStatements with Smart Advantage to avoid monthly fees.
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Track your 90-day deposit deadline carefully.
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Keep your account open and above $0 until the bonus lands.
🧠 Final Take
This BMO offer is a solid promotion with minimal hoops—just direct deposit $4K in 90 days and you’ll net $400. Perfect for anyone already using direct deposit, switching banks, or opening a second checking account.
