BMO Business $400–$1,500 Business Savings Bonus (36.5% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Eligibility
Business Checking (Digital tier $10/mo waived at $500 balance). Deposit within 30 days, hold the tier minimum balance days 31–90 (a minimum, not an average), plus 10 debit-card transactions within 90 days. New customers only — no BMO business checking in the past 12 months. Opens online, but BMO's branch footprint is regional (Midwest + western ex-Bank-of-the-West states) and this offer has been footprint-gated before — verify residency before applying. Verified live 2026-06-23, expires Aug 31, 2026.
Fees
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