Do I need to deposit my own money?

Yes. This offer requires a deposit of $4,000 held for 90 days.

BALANCE · 40.6% APY

BMO $400 checking bonus

Q: How much is the BMO bonus?

The bonus is $400. $4,000 in qualifying direct deposits within 90 days. No BMO account in past 12 months.

BMO Smart Advantage Checking

Bonus: $400
Deposit required: $4,000
Annualized yield: 40.6% APY
Hold period: 90 days
Monthly fee: None
Availability: Nationwide

How to qualify

$4,000 in qualifying direct deposits within 90 days. No BMO account in past 12 months.

Offer expires 5/4/2026.

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