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¹To take advantage of the new BMO Relationship Checking cash bonus offer, you must open your account between September 9, 2025 and January 28, 2026, and use the promo code. You may open your account at a BMO branch, online, or by calling 1-800-546-6101. 

• If you received a direct mailer regarding this offer, please use the promo code found on the mailer.  
• To apply for a checking account online, visit the website found on your mailer and select “OPEN IN MINUTES”. We will automatically apply the promo code for you.  
• If you apply for a checking account at a branch or by phone, you must provide the promo code to a banker.  

Accounts opened online on January 28, 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 January 28, 2026.  

To receive the BMO Relationship Checking new account cash bonus of up to $1,000:

1. Open a new BMO Relationship Checking account and  
   • 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 or  
   • 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 or
   • 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. 

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.  

Checking cash bonus 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. Cash bonus 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.   

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.  

You are only eligible for one checking account cash bonus; you cannot open multiple checking accounts and receive multiple cash bonuses. The promo code is applied to the first checking account that is opened between September 9, 2025 and January 28, 2026. Day 1 is the day you open your account and begins the tracking period. If you open your account on a day other than a Business Day, Day 1 is the next Business Day. Your account must be Relationship Checking when the cash bonus is paid into the checking account approximately 100 days after account opening.  

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 September 9, 2025, 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.  

² 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.

³ 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.

⁴ 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.

⁵ $10,000 for the prior calendar month.

⁶The Annual Percentage Yield (APY) is accurate as of September 2, 2025. 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, 0.55% for balances between $5,000 and $24,999.99, 0.95% for balances between $25,000 and $99,999.99, 1.97% for balances between $100,000 and $249,999.99, and 2.68% 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, 0.80% for balances between $5,000 and $24,999.99, 1.20% for balances between $25,000 and $99,999.99, 2.22% for balances between $100,000 and $249,999.99, and 2.94% 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.

⁷Mobile Deposit is available using the BMO Digital Banking app. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, explore the BMO Digital Banking Agreement found at bmo.com/en-us/legal.

⁸Message and data rates may apply. Contact your wireless carrier for details.

⁹Please visit the FDIC website for current deposit insurance limits.

¹⁰Visit the BMO Security Center for details.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.