Do I need to deposit my own money?

No. This is a direct-deposit bonus — route a qualifying direct deposit and earn the cash with no minimum balance of your own money.

DIRECT DEPOSIT · FREE CASH

BMO $400 checking bonus

Q: How much is the BMO bonus?

The bonus is $400. Receive qualifying direct deposits (often $4,000+ total). VERIFY amount and requirement.

Smart Advantage Checking

Bonus: $400
Capital required: None — direct deposit
Return type: Free cash (no capital)
Hold period: 90 days
Monthly fee: None
Availability: Nationwide

How to qualify

Receive qualifying direct deposits (often $4,000+ total). VERIFY amount and requirement.

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