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^{1Footnote 1 details​}This offer is only valid for the intended recipient, is not transferable, and the unique promo code can only be used once. You may receive different promotional offers by various methods (i.e., mail, in person, email, or online) and each offer may have different Terms and Conditions. To ensure you respond to the correct offer, please reference the material for that offer (i.e., mailer, flyer, email, or online advertisement). 

To take advantage of the BMO Relationship Checking and Growth Money Market cash bonus offers, you must open your account(s) between January 29, 2026 and May 4, 2026, and use the unique promo code shown on your mailer. You may open your account(s) at a BMO branch, online, or by calling 1-800-546-6101.

If you want to take advantage of both offers, you must open both accounts at the same time. The unique promo code can only be used one time and will not work if the accounts are opened at different times.

• When you apply for the account(s), you must use the unique promo code shown on your mailer.

• To apply for a checking or money market account online:

  • Scan the QR code on your mailer to visit the website, select “OPEN IN MINUTES” for the Relationship Checking account, and we’ll automatically apply the unique promo code for you; or

  • visit the website on your mailer, select “OPEN IN MINUTES” for the Relationship Checking account, and manually enter the unique promo code during the application process. You will have the option to add the Growth Money Market after you select your checking account.

• To apply for a checking or money market account at a branch or by phone, you must provide the unique promo code to a banker.  

Accounts opened online on May 4, 2026, must have their applications submitted and approved prior to 9:00 p.m. CT. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by May 4, 2026.

You are only eligible for one checking account cash bonus and one money market account cash bonus; you cannot open multiple accounts and receive multiple cash bonuses of the same type. The unique promo code is applied to the first Relationship Checking account (Relationship Checking and Growth Money Market, if opened at the same time) opened between January 29, 2026 and May 4, 2026. Day 1 is the day you open your account(s) and begins the tracking period. If you open your account(s) on a day other than a Business Day, Day 1 is the next Business Day.

Cash bonus(es) may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer. If your balance is zero, we may close your account. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid.

BMO Relationship Checking Offer: Open a new BMO Relationship Checking account and get up to a $1,000 cash bonus:

1. Receive a $600 cash bonus when you have a cumulative total of $10,000 in qualifying direct deposits post to your account within 90 days of account opening (by Day 90); or

2. Receive a $800 cash bonus when you have a cumulative total of $15,000 in qualifying direct deposits post to your account within 90 days of account opening (by Day 90); or

3. Receive a $1,000 cash bonus when you have a cumulative total of $20,000 in qualifying direct deposits post to your account within 90 days of account opening (by Day 90).

Business Days are Monday through Friday excluding any holiday on which the Bank and/or the Federal Reserve are closed for processing. Transactions received or occurring on a day other than a Business Day will be posted the next Business Day. Tip: If the 90th calendar day falls on a Saturday, Sunday or Bank holiday, the cumulative total qualifying direct deposits must be received no later than the last Business Day preceding the 90th calendar day.

Offer is limited to one per customer and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal checking customers (including trustees and signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Your account must be Relationship Checking when the cash bonus is paid into the account approximately 100 days after account opening.

Qualifying direct deposits are deposits of regular income from an employer or similar third party - such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account - using your account number and BMO’s routing number that you provide to them. We reserve the right to request documentation that the direct deposits qualify. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, BMO Digital Banking transfers or deposits, deposits processed as a debit card credit or real-time credit, transfers from any bank or brokerage account, and Account to Account or Peer to Peer (e.g. Zelle^®, Venmo) transfers.

Minimum opening deposit of $25 is required for BMO personal checking accounts. BMO Relationship Checking is a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of January 29, 2026, and are subject to change at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmo.com.

Growth Money Market Offer: Open a new Growth Money Market account and get a $1,000 cash bonus:

1. Open a Relationship Checking account and Growth Money Market account at the same time using the unique promo code; and

2. Deposit a total of $150,000 in new money into the Growth Money Market within 30 days of account opening (by Day 30) and maintain a balance of at least $150,000 for the next 90 days (Day 31 - Day 120); and

3. Meet all Relationship Checking offer requirements at any tier, as shown above in the BMO Relationship Checking Offer.

New money is defined as funds not currently on deposit at BMO and funds that were not on deposit at BMO in the past 60 calendar days. However, funds deposited into a BMO deposit account within the last 14 calendar days are considered new money, as long as they were not previously on deposit at BMO during the past 60 calendar days.

Business Days are Monday through Friday excluding any holiday on which the Bank and/or the Federal Reserve are closed for processing. Transactions received or occurring on a day other than a Business Day will be posted the next Business Day. Tip: If the 30th calendar day falls on a Saturday, Sunday or Bank holiday, the cumulative total new money deposits must be received no later than the last Business Day preceding the 30th calendar day.

Offer is limited to one per customer and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal money market customers (including trustees and signers on joint accounts) or those who have closed a BMO personal money market account within the past 12 months. Your account must be Growth Money Market when the cash bonus is paid into the account approximately 130 days after account opening.

Minimum opening deposit of $25 is required for Growth Money Market, a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid on the entire collected balance. At any time, interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding standard APYs are effective as of January 29, 2026 and are subject to change at our discretion at any time: 0.05% for balances less than $5,000, 0.20% for balances between $5,000 and $24,999.99, 0.45% for balances between $25,000 and $99,999.99, 1.50% for balances between $100,000 and $249,999.99, and 2.30% for balances of $250,000 or more. We may offer higher interest rates when you are an Account Owner of both a BMO Relationship Checking account that has qualifying activities and a Growth Money Market account. See the Growth Money Market account product disclosure at bmo.com for details. The following collected balance tiers and corresponding APYs for Account Owners with a BMO Relationship Checking account that has qualifying activities are effective as of January 29, 2026 and are subject to change at our discretion at any time: 0.30% for balances less than $5,000, 0.45% for balances between $5,000 and $24,999.99, 0.70% for balances between $25,000 and $99,999.99, 1.75% for balances between $100,000 and $249,999.99, and 2.55% for balances of $250,000 or more . Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier to earn the APYs disclosed. A periodic rate is applied to the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmo.com.

^{2Footnote 2 details​}To access the benefits in a particular Relationship Package, you must have a BMO Relationship Checking account. Go to the Deposit Account Disclosure for details about Relationship Packages.

^{3Footnote 3 details​​}A Non-BMO ATM Transaction is any transaction conducted at a Non-BMO ATM, including, for example, a withdrawal, transfer, or balance inquiry. No BMO fee; however, the ATM owner or operator may charge you a surcharge fee for a withdrawal, transfer, or balance inquiry.

^{4Footnote 4 details}​Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the  Mastercard Guide to Benefits for more information.

^{5Footnote 5 details}​For important information regarding overdraft services, please visit www.bmo.com/overdraft.

^{6Footnote 6 details}​To waive the monthly maintenance fee, you must maintain a minimum daily Ledger Balance of $10,000 in the account for the previous calendar month or you must meet the $25,000 Monthly Combined Balance for the previous calendar month. For more information, reference the Relationship Checking Product Disclosure (PDF, 428 KB).

^{7Footnote 7 details}​The Annual Percentage Yield (APY) is accurate as of January 29, 2026. Growth Money Market is a variable rate account. Interest rates and APYs may change daily after the account is open. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid on the entire collected balance. At any time, interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding standard APYs are effective as of the date shown and are subject to change at our discretion at any time: 0.05% for balances less than $5,000, 0.20% for balances between $5,000 and $24,999.99, 0.45% for balances between $25,000 and $99,999.99, 1.50% for balances between $100,000 and $249,999.99, and 2.30% for balances of $250,000 or more. We may offer higher interest rates when you are an Account Owner of both a BMO Relationship Checking account that has qualifying activities and a Growth Money Market account. Explore the Growth Money Market account disclosure for details. The following collected balance tiers and corresponding APYs for Account Owners with a BMO Relationship Checking account that has qualifying activities are effective as of the date shown and are subject to change at our discretion at any time: 0.30% for balances less than $5,000, 0.45% for balances between $5,000 and $24,999.99, 0.70% for balances between $25,000 and $99,999.99, 1.75% for balances between $100,000 and $249,999.99, and 2.55% for balances of $250,000 or more. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmo.com or call 1-800-546-6101.

^{8Footnote 8 details}​Explore transaction limitations.

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