BMO pays a personal checking bonus within about 100 days after account opening. A business checking bonus is deposited within 14 days after requirements are met, around day 104 after opening. A new account bonus is cash BMO adds after you complete qualifying activity. Do not expect payment right after deposits post or the 90-day qualification period ends.
Table of Contents
- What triggers a personal checking bonus?
- How does the monthly consumer bonus work?
- How long does a business bonus take?
- Who can get these offers?
What triggers a personal checking bonus?
You must receive qualifying direct deposits totaling $4,000 to $7,500 within the first 90 days. The exact total depends on your account type, according to BMO on its archived BMO checking offer page.
Payroll, government benefits, and other electronic credits commonly count. Person-to-person transfers and cash deposits generally do not. Set up direct deposit early so the first payment has time to arrive.
How does the monthly consumer bonus work?
A 2026 BMO consumer structure pays $100 for each month with at least $1,000 in qualifying direct deposits. Six qualifying months earn the full $600, according to Maximizing Money in its BMO bonus breakdown.
This format rewards steady deposits rather than one large deposit. Missing one month reduces that month's payment but does not necessarily end later eligibility. Track each calendar month separately.
How long does a business bonus take?
Business bonus size depends on the balance deposited by day 30 and maintained from day 31 through day 90. Higher maintained balances earn higher tiers, up to $1,500.
After the balance period ends, BMO deposits the bonus within 14 days. That places payment around day 104 after account opening. Keep the account open and in good standing through payment.
Who can get these offers?
Only residents of 14 BMO-branch states qualify for these U.S. offers: New customers should therefore keep the account open at least 100–104 days, according to One Smart Dollar in its BMO checking bonus guide.
Closing early can forfeit payment. Also consider the paired savings promo, which pays $5 each month you save $200 or more, up to $60 over the first year.
- AZ, CA, CO, FL, IA, IL, IN
- MN, NM, NV, OR, UT, WA, WI
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