Earn up to $660 when you maximize your rewards through BMO's Bank at Work program.
Banking services that help you make real financial progress!
BMO Bank at Work Program details
Receive a bonus and rewards when you open the following new products:
• Earn up to Up to $600 cash bonus1 when you open a new BMO personal checking account with qualifying direct deposits.
• Get a $5 savings reward every month you grow your balance $200 or more for the first year in a new Savings Builder account.2 This can add up to $60!
BMO SmartProgress®
At BMO, we know that you face important financial decisions each and every day, and we aspire to be there to support you. Learn more about developing a savings plan, credit scores, and more with our online financial wellness center.
1 To take advantage of the checking offer, your employer or organization must participate in BMO Bank at Work or BMO Group Banking Services. Offer is effective from September 9, 2025 through January 28, 2026 and is subject to change at any time without notice. BMO reserves the right to amend or cancel any part of this program and offer. You may open your account at a BMO branch, online, or by calling 1-888-779-2265. When opening any account listed in the table below at a branch or on the phone, you must tell the BMO banker that you are a Bank at Work or Group Banking Services client. Provide the banker with promo code BMOP-10174Y-BWDDF25 at account opening or enter it when opening your account online. If you use the QR code on the front of the flyer, the promo code will be automatically applied. 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 1-888-779-2265, we must receive your opening deposit and all signed account opening documents by January 28, 2026.
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.
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. The checking account type you have on Day 90 will determine which bonus you are eligible for. To receive the bonus, you must meet the associated criteria for that account. Below is a table outlining how to get the bonus and when the bonus will be paid.
Minimum opening deposit of $25 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 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.
2 For every month your Savings Builder account balance grows by at least $200, we will credit the account with a $5 savings reward within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare the Ledger Balance on the last Business Day of the previous month to the Ledger Balance on the last Business Day of the current month. Interest and savings reward payments will not count towards your balance growth. Tip: Deposits made on weekends and holidays will not be processed until the next Business Day. To ensure your deposit is counted for the current month, avoid scheduling your recurring transfer or deposits towards the end of the month.
Your account is eligible for 12 savings rewards beginning with the month your account is opened. The first savings reward is based on your savings growth from the Business Day the account is opened through the last Business Day of that month. If your initial deposit is not received until the month after account opening, the account will only be eligible for 11 savings rewards.
Your account must be open when the savings rewards are paid. Savings rewards may be reported to the IRS for tax purposes and you are responsible for any applicable taxes.
Exclusions:
• Savings rewards are available for new accounts only. An account switched into Savings Builder from a different product is not eligible for savings rewards.
• Savings rewards are limited to one Savings Builder account per customer as Primary Account Owner. Only your first account opened is eligible for savings rewards.
• You are not eligible to receive savings rewards if you have previously opened a Statement Savings account between February 3, 2020 and October 18, 2021 and participated in the Statement Savings account – Savings Rewards offer.
Minimum opening deposit of $25 is required for Savings Builder accounts. Savings Builder 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.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
BMO Bank N.A. and your employer or organization are separate legal entities, which are not affiliated with each other in any way by common ownership, management, control or otherwise. Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC
Receive a bonus and rewards when you open the following new products:
• Earn up to Up to $600 cash bonus1 when you open a new BMO personal checking account with qualifying direct deposits.
• Get a $5 savings reward every month you grow your balance $200 or more for the first year in a new Savings Builder account.2 This can add up to $60!
BMO SmartProgress®
At BMO, we know that you face important financial decisions each and every day, and we aspire to be there to support you. Learn more about developing a savings plan, credit scores, and more with our online financial wellness center.
1 To take advantage of the checking offer, your employer or organization must participate in BMO Bank at Work or BMO Group Banking Services. Offer is effective from September 9, 2025 through January 28, 2026 and is subject to change at any time without notice. BMO reserves the right to amend or cancel any part of this program and offer. You may open your account at a BMO branch, online, or by calling 1-888-779-2265. When opening any account listed in the table below at a branch or on the phone, you must tell the BMO banker that you are a Bank at Work or Group Banking Services client. Provide the banker with promo code BMOP-10174Y-BWDDF25 at account opening or enter it when opening your account online. If you use the QR code on the front of the flyer, the promo code will be automatically applied. 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 1-888-779-2265, we must receive your opening deposit and all signed account opening documents by January 28, 2026.
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.
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. The checking account type you have on Day 90 will determine which bonus you are eligible for. To receive the bonus, you must meet the associated criteria for that account. Below is a table outlining how to get the bonus and when the bonus will be paid.
| Product | Bonus | How do I get the Bonus? | When will I see the bonus in my account | Special Notes |
|---|---|---|---|---|
| BMO Smart Advantage Checking or BMO Smart Money Checking |
$100 | Open a new BMO Smart Money Checking or BMO Smart Advantage Checking account using the promo code. • Have at least $1,200 in cumulative qualifying direct deposits within 90 days of opening. |
Approximately 100 days after account opening, the bonus will be credited to your personal checking account. | 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. Nonqualifying 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. |
| " | $300 | Open a new BMO Smart Money Checking or BMO Smart Advantage Checking account using the promo code. • Have at least $2,000 in cumulative qualifying direct deposits within 90 days of opening. |
" | " |
| " | $400 | Open a new BMO Smart Money Checking or BMO Smart Advantage Checking account using the promo code. • Have at least $4,000 in cumulative qualifying direct deposits within 90 days of opening. |
" | " |
| " | $500 | • Open a new BMO Smart Money Checking or BMO Smart Advantage Checking account using the promo code. • Have at least $7,500 in cumulative qualifying direct deposits within 90 days of opening. |
" | " |
| BMO Relationship Checking | $600 | • Open a new BMO Relationship Checking account using the promo code. • Have at least $10,000 in cumulative qualifying direct deposits within 90 days of opening. |
" | " |
Minimum opening deposit of $25 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 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.
2 For every month your Savings Builder account balance grows by at least $200, we will credit the account with a $5 savings reward within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare the Ledger Balance on the last Business Day of the previous month to the Ledger Balance on the last Business Day of the current month. Interest and savings reward payments will not count towards your balance growth. Tip: Deposits made on weekends and holidays will not be processed until the next Business Day. To ensure your deposit is counted for the current month, avoid scheduling your recurring transfer or deposits towards the end of the month.
Your account is eligible for 12 savings rewards beginning with the month your account is opened. The first savings reward is based on your savings growth from the Business Day the account is opened through the last Business Day of that month. If your initial deposit is not received until the month after account opening, the account will only be eligible for 11 savings rewards.
Your account must be open when the savings rewards are paid. Savings rewards may be reported to the IRS for tax purposes and you are responsible for any applicable taxes.
Exclusions:
• Savings rewards are available for new accounts only. An account switched into Savings Builder from a different product is not eligible for savings rewards.
• Savings rewards are limited to one Savings Builder account per customer as Primary Account Owner. Only your first account opened is eligible for savings rewards.
• You are not eligible to receive savings rewards if you have previously opened a Statement Savings account between February 3, 2020 and October 18, 2021 and participated in the Statement Savings account – Savings Rewards offer.
Minimum opening deposit of $25 is required for Savings Builder accounts. Savings Builder 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.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
BMO Bank N.A. and your employer or organization are separate legal entities, which are not affiliated with each other in any way by common ownership, management, control or otherwise. Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC
This Member To Member Deal is promoted by Shawnee Chamber of Commerce.
