BMO $400–$1,500 Business Checking Bonus (2026) - Review & Requirements
Bonus Tiers & Effective APY
Overview
BMO's business checking bonus offers up to $1,000 across three tiers: $400 (for $4k), $750 (for $25k), or $1,000 (for $50k). Deposit within 30 days and maintain for 90 days. Expires Apr 30, 2026.
Who This Checking Bonus Is Best For
Business owners in BMO's footprint who can commit capital for 90 days. The $400 tier at $4k is the sweet spot for capital efficiency.
How to Maximize This Bonus
Open a BMO business checking account, deposit within 30 days, and maintain for 90 days. The $400 tier at $4,000 is the most accessible. The top $1,000 tier requires $50,000, which is significant capital commitment for 90 days.
Pros
Cons
How This Compares to Other Bonuses
Frequently Asked Questions
Does BMO operate nationwide for business accounts?
Yes. BMO offers business checking accounts nationwide, though branch access is concentrated in the Midwest.
Full Requirements
Tiered on average collected balance from day 30 to day 90: $400 at $4,000–$24,999, $750 at $25,000+, $1,000 at $50,000+, $1,500 at $100,000+. Also requires 10 debit-card transactions within 90 days. No direct deposit required. Open by Aug 31, 2026. Promo via bmo.com/businesscheckingoffer.
Fees
Waived with $5,000 minimum daily balance.
ChexSystems & Credit Pull
Standard business verification.
Eligibility
Business checking. Expires Aug 31, 2026 (extended from Apr 30). New business checking customers only.
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