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Earn up to an $800 cash bonus with BMO!1

For a limited time, you can open a BMO Relationship Checking account and earn $500, or open a Relationship Plus Money Market account and earn $300. Combine both offers for an $800 cash bonus! footnote 1

BMO Relationship Checking account

Earn a $500 cash bonus footnote 1 when you have a total of at least $7,500 in qualifying  within the first 90 days. Plus, enjoy great features such as:

  • Relationship Packages footnote 2 that offer more perks the more you bank with BMO
  • Unlimited Non-BMO ATM transactions footnote 3
  • Rebates of ATM surcharge fees charged by other banks (up to $25 per monthly statement period footnote 4)
  • Interest earned on your checking balance
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Relationship Plus Money Market account

Earn a $300 cash bonus footnote 1 when you open a new Relationship Plus Money Market account, deposit $25,000 or more into it within 30 days, and maintain that balance from Day 31 to Day 90. Plus, enjoy great features such as:

  • A higher interest rate that may be paid based on your Quarterly Combined Balance, as part of our Relationship Packages footnote 2
  • Easy access to your money when you like footnote 5
  • Six free withdrawals/transfers per monthly statement period footnote 6
  • FDIC insurance on your deposit footnote 7
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How to claim our offers footnote 1

Step 1: Open two accounts

Open a new BMO Relationship Checking account and a new Relationship Plus Money Market account using the promo code on the mailer you received from us.

Step 2: Complete the qualifying activities

  • Within 90 days of opening the new checking account, make qualifying deposits
  • Within 30 days of opening the new money market account, deposit $25,000 or more into it and maintain that balance from Day 31 to Day 90

Step 3: Enjoy your offer

That’s it! We’ll deposit your cash bonuses footnote 1 into your accounts.

Step 1: Open an account

Open a new BMO Relationship Checking account using the promo code on the mailer you received from us.

Step 2: Complete the qualifying activities

Within 90 days of opening the account, do the following:

  • Make qualifying deposits

Step 3: Enjoy your offer

That's it! We'll deposit your cash bonus footnote 1 into your account.

Step 1: Open an account

Open a new Relationship Plus Money Market account using the promo code on the mailer you received from us.

Step 2: Complete the qualifying activities

Within 30 days of opening the new money market account, do the following:

  • Deposit $25,000 or more and maintain that balance from Day 31 to Day 90

Step 3: Enjoy your offer

That's it! We'll deposit your cash bonus footnote 1 into your account.

We make banking easy

40,000+ Fee-free ATMs

Convenient access to the Allpoint® nationwide network of ATMs—free of charge. That’s more than what’s offered by the two leading banks combined.

Bank on the go footnote 8

Freedom to bank your way—deposit checks footnote 9, pay bills, move funds— when you want on your device.

Security however you bank footnote 10

Whether you bank via mobile footnote 8, online or telephone, all your banking methods are convenient and secure.

Do you own a small business?

Explore our business checking accounts to find one that meets your needs.

Learn more

Ready to apply?

Your promo code is on the mailer you received from us. Just bring that code with you when you apply in a branch or over the phone.

  • Give us a call

    Prefer to apply over the phone? Our team is available to help.

    1-800-546-6101

  • Visit us in person

    Drop by your nearest branch and we'll help you get set up.

  • Open a checking account online

    If you apply online from this page, your promo code will be applied automatically.

Want to check out other options instead?

Explore our other checking products to find one that's right for you.

EXPLORE CHECKING ACCOUNTS
  • Footnote 1 details To take advantage of the new BMO Relationship Checking and Relationship Plus Money Market cash bonus offers, you must open your account(s) between February 4, 2025 and May 2, 2025, and use the promo code found in the mailer. You may open your account(s) at a BMO branch, online or by calling 1-800-546-6101. If you apply for a checking or money market account at a branch or by phone, you must provide the promo code to a banker. To apply for a checking or money market account online, visit BMO.com/800Spring and select “OPEN IN MINUTES” for the account(s) of your choice. We will automatically apply the promo code for you. Accounts opened online on the final day of the promotion must have their applications submitted and approved prior to 9:00 p.m. CT. If you open your accounts by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by May 2, 2025.

    You do not need to open a BMO Relationship Checking account to receive the Relationship Plus Money Market cash bonus offer. You do not need to open a Relationship Plus Money Market account to receive the BMO Relationship Checking cash bonus offer.

    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 promo code is applied to the first checking account and the first money market account that are opened between February 4, 2025 and May 2, 2025. 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.

    Cash bonus(es) may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offers 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.To receive the Relationship Checking new account cash bonus of $500:
    1. Open a new BMO Relationship Checking account; and
    2. Have a cumulative total of $7,500 in qualifying direct deposits within 90 days of account opening.
    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 is paid into the checking account approximately 100 days after account opening. Qualifying direct deposits are deposits of regular income – such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party – 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, 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 February 4, 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.

    To receive the Relationship Plus Money Market new account cash bonus of $300:

    1. Open a new BMO Relationship Plus Money Market account; and
    2. Deposit $25,000 or more of new money into your account within 30 days of opening (by Day 30) and maintain the balance in your account from Day 31 through Day 90.

    Cash bonus offer is limited to one per customer and account (including trustees and signers on joint accounts). New money is defined as funds not currently on deposit at BMO, or funds that have been on deposit at BMO for 14 days or less. If the balance in your Relationship Plus Money Market account drops below $25,000 between Day 31 and Day 90, you will not qualify for the bonus. Cash bonus is paid into the Relationship Plus Money Market account approximately 100 days after account opening.

    Minimum opening deposit of $25 for a Relationship Plus Money Market account. Relationship Plus Money Market account 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 February 4, 2025, and are subject to change at our discretion at any time: 0.80% 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 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].

  • Footnote 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. 
  • Footnote 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.
  • Footnote 4 details Rebate of up to $25 per statement period on ATM surcharge fees charged by other banks.
  • Footnote 5 details Explore transaction limitations.
  • Footnote 6 details $15 for each transaction that exceeds transaction limitations. Explore transaction limitations.
  • Footnote 7 details Please visit the FDIC website for current deposit insurance limits.
  • Footnote 8 details Message and data rates may apply. Contact your wireless carrier for details.
  • Footnote 9 details Mobile 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.
  • Footnote 10 details Visit the BMO Security Center for details.

    Third party web sites may have privacy and security policies different from BMO. Links to other web sites do not imply the endorsement or approval of such web sites. 

  • Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
  • Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC