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Personal Checking Bonuses

BMO Smart Advantage / Smart Money Checking

Bonus: Up to $600

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Up to $600

Offer details

How to earn the bonus

Open a new BMO Smart Advantage, Smart Money, or Relationship Checking account and earn $100 per month (up to $600 over six months) for each month you receive $1,000+ in qualifying direct deposits.

  • Availability: 14 states: AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
  • Expiration: Dec 15, 2026
Open official offer page

The link opens the official BMO Smart Advantage / Smart Money Checking offer page on the bank’s own website. Offers expire and terms change — confirm the current bonus, qualifying deposits, state eligibility, and that any promo code applies before submitting an application.

Before You Apply

  • Direct deposit is usually the trigger: Most checking bonuses require a set amount of qualifying direct deposits (paycheck, pension, or government benefits) within 60–90 days. Person-to-person transfers like Zelle almost never count.
  • Watch the monthly fee: A bonus account often carries a monthly maintenance fee that is waived only while you meet a balance or deposit minimum. After the bonus posts, confirm the fee waiver still applies or close the account on the bank’s terms.
  • Bonuses are taxable: Bank and credit-union bonuses are generally reported to the IRS on Form 1099-INT (or 1099-MISC) as taxable interest or miscellaneous income. Plan for the tax bill at year end — the bank will report it whether or not you receive the form.
  • Confirm state eligibility: Several offers are limited to residents of specific states, and some promo codes are targeted. Always confirm eligibility and that the promo code applies on the bank’s landing page before submitting an application.

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Citi Regular Checking

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SoFi Checking and Savings

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Bank and credit-union bonuses are generally reported to the IRS on Form 1099-INT (or 1099-MISC) as taxable interest or miscellaneous income. Always confirm state eligibility and that any promo code applies on the bank’s official landing page before submitting an application.