Posted by William Charles on May 8, 2017
Bank Account Bonuses

Published on May 8th, 2017 | by William Charles


[AZ, FL, IL, IN, KS, MO, MN and WI] BMO Harris $200 Checking Bonus – Available Online

Update: Bonus is now only available to residents of the following states: AZ, FL, IL, IN, KS, MO, MN and WI.

Application page now clearly states it can be opened online, thanks to reader Todd.

A lot of us reported issues opening the Signature Card pdf during account opening requiring bank contact to mail a copy. Per BMO this is Google Chrome compatibility issue and should work fine in other browsers. You can fix this by using another browser or using this trick.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Must reside in AZ, FL, IL, IN, KS, MO, MN and WI if opening online or by phone
  • Direct deposit required: Two direct deposits of $300+ required
  • Additional requirements: None
  • Hard/soft pull: Soft
  • ChexSystems: Yes
  • Credit card funding: Up to $1,000
  • Monthly fees: None with eStatements
  • Early account termination fee: $20 if closed within 90 days, you’ll also forfeit the bonus if you closed the account within six months (now 120 days?).
  • Expiration date: April 28th, 2017 June 30th, 2017 September 30th, 2017 December 31st, 2017
  • Household limit: None mentioned

The Offer

Direct link to offer

  • Receive a $200 bonus when you open a new BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account, or BMO Harris Premier™ Account checking account and complete the following requirements:
    • Receive two qualifying direct deposits of at least $300 or more within 90 days of account opening

bmo harris

The Fine Print

  • You must mention the promo code in the email sent to you at account opening and your account must be open and in good standing when the bonus is paid approximately 120 days after opening.
  • Not available to existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months.
  • To receive the bonus:
  • 1) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking®, BMO Harris Select Checking® or BMO Harris Portfolio Checking® account between May 1, 2017 and June 30, 2017 in a BMO Harris Branch, by calling 1-866-362-1166, or by clicking “open now” above.We’ll automatically apply the $200 offer promo code when you apply online
  • 2) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of $300 or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify.
  • Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer cannot be combined with any other offer, is non-transferable and is limited to one per account.

Avoiding Fees

Your best option is to open the BMO Smart Advantage Checking account. This has a no monthly fee when you have eStatements.

Early Account Termination Fee

There is an early account termination fee of $20 if the account is closed within 90 days. In addition the account needs to be open at the time the bonus posts (within 120 days). You also need to keep it open for six months or the bonus will be forfeited (this might not be the case anymore).

Our Verdict

This bonus is significantly better now that you can open online rather than having to deal with a phone or in branch application. They have offered a bonus as high as $250 before, but I don’t know if we will see that again. We’re going to move this up much higher on our best bonus list due to the online application and the fact that it can be churned (just can’t have had an account open in the last 12 months).

Big thanks to reader, Josh who let us know. Please consider sharing bank bonuses with this site so we can make it even better.

Useful posts regarding bank bonuses:

1,254 Responses to [AZ, FL, IL, IN, KS, MO, MN and WI] BMO Harris $200 Checking Bonus – Available Online

  1. Sam says:

    Watch out with the credit card waiver. I had 1 for 3 bonus years and even though I requested it numerous times I always got a fee. Of course it was corrected. But still ridiculous.

  2. Dave says:

    Expiration is showing as 28th, not 8th.

  3. Harold says:

    If you open the account by phone, how does the initial account funding work?

    • Not sure, I guess they take the details over the phone?

      • JT says:

        When I did this promotion last year, initial deposit was done with a check. They mail you some stuff that you fill out and then mail it back including the initial deposit.

    • Jake N says:

      Just applied over the phone. They were able to take the initial deposit from either an external account (give acct / routing #) or send in a check. I chose to do the transfer over the phone.

      Debit / credit was specifically prohibited.

    • Superchurn says:

      I opened one with BMO over the phone, and they just took my routing and account # for the ACH initial funding

  4. bob says:

    your first acct with BMO must be opened in-branch, and you won’t be able to use a CC. BUT: you can open Savings accounts online after that, and you can use a CC (including AMEX) for up to $1000 per account.

    • Laura says:

      Wait. So I can’t call in since this would be my first account? There is no BMO branch in my state.

    • Superchurn says:

      Not true in my experience. I opened my first BMO account over the phone. It was a pain, but it worked.

    • Daniel says:

      Just opened my first account online, no problems

      • Nick says:

        Same here, opened my first account online no problem

        • Yong says:

          My friend tried to open online for his first BMO account.and was rejected twice. Then he called CSR. It seemed you need promo code, can’t use the online one. We live in Columbus Ohio. That may be the reason first timer can’t open online. I need promo code other than flex06, which is expired. Thanks!

  5. Ariel says:

    I applied for this the last time they had it sometime last year. They approved/opened my accounts, I sent all the paperwork (signature card) in, then two weeks later I got an account-closure letter. Not sure why.

    • Superchurn says:

      Bank of America did the same thing to me…”for business reasons”. I suspect they actively filter bank account bonus chasers like us.

      • dizzy says:

        I had that with the Poplar Bank bonus. I have to send in the paperwork now for M&T, I have 2 accounts open with them already tho 😛

    • MJG says:

      What was the result here? How did you get your money back? I did this deal a couple weeks and just got a “termination” letter today. Thing is it doesn’t say how the funds already in my account will be handled. Hoping they just mail me a check (since I opened the accounts partially to get $2K in CC funding to meet min spend).

      Not sure why this happened but probably just a ton of Chex inquiries.

  6. barrytuneup says:

    I did this 6 months ago. had DD from work of 301 biweekly. (I get paid 2x month) Opened via phone and mailed check for opening deposit. After mailing back and forth all went well, but took about 7 weeks to get started. Got the bonus when promised.

  7. Evan says:

    Wondering if I would be eligible for the bonus as I closed my last account with them on February 17th 2016. If I applied after the 17th, I wonder if they would still consider this as twelve months as it falls in the same month.

  8. Laura says:

    Opened via phone. First BMO account. Offered to fund via ACH or I could mail a check once I receive my welcome packet. I decided I’d rather mail a check in. They did state it will take awhile to open the account as it is done via mail, just as others have noted. The verification questions were odd, one had no right answers and no “none of the above option” so I guessed and everything went ok. Also of note the email coupon I got from BMO yesterday left the promo code blank. I went online and had another sent today and they’ve filled in the promo code which is required for this to work. All in all 25 mins, would have been 20 without the promo code mishap.

  9. Superchurn says:

    Recently closed my first BMO account. Cant wait to become eligible for their bouses again!

  10. Roberto says:

    Just opened via phone, no issues, rep was friendly.

    -took 25 mins
    -needed promo code from emailed coupon (flexcode06)
    -need driver’s license info, last 4 of a major cc and exp. date
    -soft pull with odd security questions
    -no cc funding via phone
    -I provided account & routing #’s for another bank account
    -rep said she’d mail a packet to me, when I send it back, they will debit the $1,000 from my bank account I provided. (I chose $1k to meet min. deposit requirements)
    -many compliance / industry / KYC questions (kinda annoying)
    -selected my user ID via phone for online banking
    -confirmed bonus details (two $300 DD w/in 60 days), bonus paid 120-150 days

    Any DP’s on Fidelity ACH pushes counting as DD w/ BMO? Didn’t see any in DoC’s thread.

    Thanks DoC & Josh!

    • Welcome :), thanks for the detailed comment.

      • EXACTAMUNDO says:

        Yeah! Everyone else, STEP YOUR GAME UP! Keep the comments THOROUGH and PRECISE. This person probably saved an additional 40 comments that would normally materialize after most of the weak, vague and confusing comments. William, I authorize you send Roberto a gift card. 😉

    • Sankey says:

      I did the same but late after 120 days when I asked for bonus they denied saying it’s only for targeted individuals. It seems somewhere they are deliberately misleading customers. Please do not post such bank offers where they misled customers

  11. Marco says:

    My call took exactly 25 minutes, and the rep was friendly. It was a soft pull. Credit card funding was unavailable. I was asked really weird questions.

  12. Chris says:

    I keep requesting a code on the BMO Harris webpage, but it’s not sending? I’ve tried several different email addresses over the past couple days. Anyone had this problem?

  13. lingua says:

    Was following DP thread for DD push from Discover and found one report of CSRs following up asking for proof of employer DD.

    • Dave says:

      He calls BMO Harris a “dirty bank” for ensuring that he followed the rules of the offer.
      The bank is certainly within their rights in doing so.

    • Roberto says:

      Thanks for pointing this out, saw it in the above post too. Going to do an actual employer DD for BMO! Oh my 🙂

      Applied on 1/4 via phone and still waiting for my paperwork in the mail. C’mon guys!

  14. Laura says:

    Got my paperwork in the mail today & turned it around today, we’ll see what their processing time is until the account is opened.

  15. Curmudgeon says:

    You have the offer expiring in 2016 in the “Offer in a glance” section but 2017 in the fine print section.

  16. PandakA says:

    Just opened an account over the phone, the process took about 15 minutes. The customer service rep was very pleasant. We will see onece I receive the paperwork sometime next week.

  17. C J says:

    My call took 20 to 25 minutes and included a soft pull. No credit card funding. I said I would mail a check in when I return the welcome packet (signature card and copy of drivers license)

  18. Roberto says:

    How long did it take folks to receive the BMO welcome package and forms? I’m at +17 days and nothing yet in the mail…wondering if I should call them. I did receive a letter welcoming me to online banking, so I know my address is correct w/ them.

    • Dave says:

      Absolutely call them. The US mail (and UPS) deliver things to me
      which are meant for my neighbors a lot. Your packet may have
      gone off course as well.

    • dizzy says:

      Did you ever get the packet? I tried to open the account online, connection interrupted, then had to open on the phone (and no CC funding grrr). It’s been 2 weeks still waiting…

  19. Kristie Hazlett says:

    Question – overview of this offer states you must leave account open for 6 months or they can negate your bonus, however, in the detailed post, it states you must keep the account open for a minimum of 120 days to receive the bonus. Which is correct? Thanks in advance for your reply!

  20. Matthew says:

    As far as the household limit is concerned with BMO, I was told by a personal banker that – at least with my targeted mail offer – anyone in the household could sign up, in fact he brought it up so I’m guessing they may encourage it?

  21. Blake says:

    Has anyone tried using the promo code when applying for an account online? It accepted it, but I’m not sure if it’ll attach to the application.

    • Mimi says:

      I read the terms on fine print of email sent to me and since I didn’t have a BMO Harris branch near me, I did the phone application where the rep assisted in opening the account. She asked for the code that I received and although she gave me info to access my account online, I still have to wait for the welcome packet in the next few days for me to see the routing number and my account number. Only then will I be able to fund my account according to the rep. Rep also asked for my DL#, issue date, exp date plus last 4 of a major CC plus exp date. She also sent me email where I can send the scan of my DL, front and back so she can add notes to my account that my IDs have been submitted.

  22. mangoceviche says:

    call took 29 minutes, including the prompts and hold time

    application questions were very similar to HSBC online application questions – what do you plan to do with account, will you be doing wire transfers, do you have any investments in high risk countries, etc.

  23. Brian says:

    This was so easy. Yes, a lengthy call (mine is currently at 17 minutes, I’m on hold waiting for the promo code to be added), and a lot of questions, but the rep was super fast and knowledgeable.

  24. Ferris says:

    anymore DP’s on DDs? anyone tried ally yet? if not what kind of fidelity accounts do you guys open? I might need one

  25. John G says:

    I called to open an account today and the CSR said that they would mail me the materials and I would need to return a check for the opening deposit. They said the effective open date of the account would be the date the check is deposited by BMO.

    So it is likely at this point that if you have to open the account by mail that the offer will be expired by the time they open your account. The CSR just recommended waiting until the offer expires and a new one takes its place soon after.

    • Ryan R says:

      Interesting. I called last week to apply. The CSR took down my account info and said they would ACH the money once I sign and return the papers that will be mailed to me. I asked about issues with the timing of the date the account actually opens for getting the bonus. He checked with his supervisor and informed me that the continually extend this offer so it wouldn’t be an issue. I hope he wasn’t wrong. We’all see.

      • sam says:

        It’ll be an issue when you qualify and they say the latest promotion has a different promo code you didn’t register with at the “time” of your account application. Press them to confirm in writing via SM as soon as your account is opened and complain to the CFPB if there are issues.

  26. rick says:

    Where does it say that the bonus is forfeited if account is closed before 6 months? I couldn’t find this language anywhere, either on website or in the coupon email.

    I know the CSRs are clueless, but all I was able to get from them is that if you’ve had the account for 90 days, you’re fine to close.

  27. NN says:

    expiration date has been extended to 4/28/17

    • Ryan says:

      Thanks for the notification. I had applied for the account a couple weeks ago, and it’s still in the process of being opened (received my signature card in the mail and mailed it back about a week ago). I was wondering if I was going to have to call them to make sure I’ll still get the bonus even if my account doesn’t actually open until after 2/28. Hopefully the extension resolves that issue.

      • sam says:

        I would make sure it is the same code and that they do not say they opened your account the 1 day between original end date and new extension begin date….

  28. Schmekel says:

    The extension has the same code:


    • sam says:

      I’d get a coupon for that one too then to preserve that its the same code, and press them through SM to verify it. Good luck!

  29. Curmudgeon says:

    Opened an account in branch today, since I thought it was the last day. Rep told me that the promo had been extended like others are saying.

    After everything was set up, he told me I was preapproved for one of their credit cards after the soft pull for the account open and that I wouldn’t incur a hard pull to get the card. They have a cash back card with a $100 bonus on $1000 spend which I normally wouldn’t go for but since it wasn’t a hard pull, I couldn’t turn down a free $100. 🙂

    Rep also told me about another promo they had that pays $500 with a checking/savings combo, but the savings required $10k for four months. I can’t find anything about it on their website, so I’ll email my rep and see what I can find out, then report back.

  30. John G says:

    I opened an account using the application on their website on 3/1 after being advised by two different CSRs that it would now work for the promotion. The online application was very straightforward and allowed me to deposit up to $1000 via credit card. It did not code as a cash advance on the MERRILL+.

    Today I called BMO to finish setting up the account by answering a few questions over the phone. While on the phone, I again verified that the promotion was active on my account. Additionally, they said they would send me a signature card with a return envelope (saving postage). I also asked about the waiver of the monthly fee for college students and they said to simply send a photocopy of my school ID and class schedule with the signature card.

    The CSRs I’ve spoken with over the past few days have been very courteous and knowledgeable. I’ll follow up after receiving the bonus in a couple months.

    • Gmoney says:

      John G, did you have to call them or did that speed things up? Looking to open for my wife so don’t want her to have to call if not necessary.

      • John G says:

        You have to call to answer their questions after the account is set up. Don’t think there is a way around this. I mainly wanted to open on the website to take advantage of the credit card funding.

    • Dave says:

      They should update the page to show that an online app will qualify then.
      I’d hate to apply and end up bitten by that.

  31. Daniel says:

    Approved by phone, call took 32 minutes for me

  32. Zachary says:

    I just opened account online, funding 1000 with amex.

    • Ferris says:

      whaaat? you can do it online now?

      • I’m not sure you actually get the bonus if you do it online though. Anybody confirm they did get the bonus when opening online?

        • Brian says:

          I spoke with a rep on the phone and she assured me the bonus code applied to my account (done online). I have one more DD this Friday and I’ll post when my bonus comes through.

        • Zachary says:

          The rep confirmed that coupon code applied on my account. Two weeks later I will let you know if I get the bonus.

          • Mimi says:

            it’s been two months now, did you get your bonus?

            I opened acct via phone early Feb and have not received my bonus up to now 🙁 The banker even confirmed the code was attached to my app. It’ll be 120 days early June, I hope I get my bonus.

    • Chris says:

      Can you let us know about the bonus but also whether Amex codes as cash advance? Thanks!

      • Zachary says:

        This is the amex transaction.
        Doing business as:
        700 E LAKE COOK RD
        Additional Information:
        Category: Business Services – Banking Services
        I think it show as purchase.
        I just opened account on Monday. I will let you know if I get bonus after 2 DDs.

        • Chris says:

          Thank you! Is that transaction posted or still pending? Sorry for the 21 questions, just have been bitten in the ass with this before.

        • Frito Pendejo says:

          I’m interested in this also. I just called Wells Fargo to try to drop the cash advance limit on my Propel World and they said its not possible.

  33. Curmudgeon says:

    Fun fact: Apparently the name of the bank is not “Bee Emm Ohh” it’s “Bee Moe” Harris Bank. Both the automated system to activate my debit card and some woman who called me for a survey pronounced it this way.

  34. Joe says:

    Since more and more people are probably interested in this now that it seems that you can sign up online and credit card fund,
    can we compile some more recent Data-Points of what seems to count as (inofficial) direct deposits or at least what you are guessing yourself?

    Thanks in advance…

  35. Zane says:

    Online sign up link:

    This link allows for $1000 credit card funding. Used AmEx Everyday. Posted as purchase. Datapoints above suggest that Fidelity cash management ACH transfers register as DD. I’ll try this and see how it goes.

    • Zane says:

      20 fee to close within 90 days. Source:

      120 days language on the email coupon was “You must mention the promo code in the email sent to you at account opening and your account must be open and in good standing when the bonus is paid approximately 120 days after opening.” This suggests that closure can happen after 90 days for free, provided that you have already met the bonus criteria, and that you don’t have to chase them down (as some reported having to do back in 2014/2015 on FW forums).

  36. cf says:

    “Thank you. Your application is pending approval. BMO Harris Bank may contact you for additional information.” Huh. I don’t see any reason that they’d do this. I even doublechecked my 4 identity verification answers.

    • Gadget says:

      My SO’s account went through via online application, so something in your file must be askew.

      Did “e-mail coupon” option, then applied online using “flexcode06”. $1000 CC funding Chase FU, pending purchase. Confirmation at end of app shows rtn & account numbers. Still do have to call “to complete your bank profile” within 30 days. Was able to setup website online banking right way, which is nice. You choose the username, and they e-mail you a temp password instantly. No waiting almost a month like Santander!

      I wasn’t able to print her signature card, which has to be snail mailed back in. To print it, it apparently requires adobe acrobat reader and I have an alternative PDF viewer installed. Tried to right click/download form and ended up refreshing the page – fail! Have to call a different number to get the form, so that is a pain.

      I was going to try flexcode12 from a past $250 promotion from last year. The web application does accept the code as valid, but was afraid it would get denied later on. (Web form would not take made-up code flexcode99, but would take made-up flexcode11 and 13, so I decided it wasn’t worth the risk) Thought about e-mailing a CSR to ask if “12” was still valid, but we all know they aren’t reliable.

      • Let us know when/if the bonus posts.

        • Gadget says:

          Will do. It will be awhile though. From my spreadsheet last year for my account (not S.O.), it took them about 60 days from opening, or over a month from meeting reqs. I can’t hit them up again until at least November per the terms.

          Also, I saw someone posted a solution on Reddit for printing the signature card. They said it’s a Chrome issue – you need to disable the Chrome internal PDF viewer. Too late for me to test it.

    • garaged says:

      Did you ever get an update from them after this? I tried to open the account online and right after the verification questions, I got this exact message.

      It didn’t even ask me for funding information before going to this message.

      Is this basically a denial/rejection?

  37. rubixx says:

    DP: Funded 1k with Chase Fairmont. Posted as purchase

    • HoustonRobert says:

      I did the same today after first calling Chase to set my cash advance limit to $100 (the minimum). Thanks for the tip!

  38. AD says:

    I failed the online security questions (timed out while googling which street was closest to me) so apparently now I have to open an account over the phone. Was anybody able to fund with a credit card when opening over the phone?

    • DN says:

      Same here. One of the security questions asked which street was closest however all of the streets listed are unknown to me. I even used google maps and did not see any of the streets listed nearby!

      Were you able to reapply and fund with a CC?

      • AD says:

        I tried again online. I got rejected before the security questions part of the application. I’m pretty sure it was because I had a previous application. I think the only option now is to open an account over the phone but I haven’t bothered calling them yet.

  39. NoonRadar says:

    From my experience, don’t bother applying online. Application got stuck on errors, had to call and do the app over the phone anyhow, they couldn’t access the online app to finalize it, had to start fresh over the phone.

    Reason why I wouldn’t recommend risking the online application is that I am not sure how many ChexSystems inquiries I had the other day due to this. If I had more than one from BMO Harris, it costs me a lot more than what I’d gain by funding $1K online with a credit card.

  40. Schmekel says:

    Phone support told me today that for new accounts – ACH is not permitted for the 1st 90 days.

    • Sam says:

      I ACH’d money in using an external account almost immediately after opening. Maybe they mean using their transfer system.

    • Gadget says:

      Yes, I recall my account last year… you could not access ACH transfers from within the BMO website for the first 3 months.

      But, your external bank ACH’s, in or out, work just fine. Or, you probably can use bill pay to move money out, and they give you those old fashioned paper checks to use for free.

      • BW says:

        The problem is ACH’ing the money out. BMO is terrible, Chase is telling me they’re not answering the phone so my transfers aren’t going through. What a hassle.

        • Gadget says:

          I don’t recall that being an issue, but sometimes crap happens. Just like any other user experience, from hamburgers to hotels, things don’t go as planned.

          I do recall ACH out isn’t enabled until after 90 days, but that isn’t your issue (yet). Now they don’t give you checks, so getting money back out can be a pain if your external bank doesn’t do ACH pulls, but Chase does.

          • BW says:

            Yes Chase will pull the funds but only after they’re able to confirm from BMO that the funds are available. If BMO won’t confirm it then they will cancel the transfer.

        • Patti says:

          Do you have an Ally or Capital One 360 account? Just set up a link from one of these and you can transfer funds in both directions with either of these banks.

          Another option, if you’re a “charge everything for cc rewards” kind of person like me, I would just schedule a cc payment from the cc bank’s website for the amount I wanted to take out that BMO account and then use paycheck $ to do whatever else I wanted to do with the money stuck in BMO account.

          I think my Chase CSP account has about 10 “pay from” accounts stored in my Chase log in.
          Easy peasy.

    • niiiz says:

      Just add BMO as an external account from another bank and push money in. They are just talking about ACH function using your BMO account.

  41. NC says:

    DP: Opened 3/13. Funded $1,000 with Citi(still waiting to see if post as purchase). Called today 3/15. 15 minute convo to finish up bank profile. Typical questions you would see when opening up accounts online. CSR was rather pleasant. She kindly confirmed the bonus code applies.

  42. Ben Holden says:

    DP: Opened online on 3/11, took less than 15 minutes. Funded with $1,000 consumers credit union credit card (posted as purchase). I did have trouble printing the signature card and had to send a chat request to get a new one sent to me. I also had to call in to finish account setup today, like NC mentioned typical questions and it took less than 10 min. I will follow up with a DP on my ACH transactions and when the bonus posts.

  43. Mark Jackson says:

    FYI: AZ resident, received a direct mailer for a $500 offer ($300 checking, $200 savings). Signed up in branch, as that was what the instructions required. Took a little time, wasn’t able to fund with a credit card in branch, but YMMV.

  44. garaged says:

    Anyone that’s not a US or Canadian citizen able to open this (say a resident / visa holder with an SSN or anyone that’s a resident for tax purposes)?
    Their page seems to say one needs to contact them but they don’t seem to reply on email within their 48 hour SLA.

  45. cf says:

    I opened the account online. They never presented me with the chance to fund my account with a credit or debit card. Then I had to call in to do the whole “complete your bank profile” process, which took a while. The representative told me that I was automatically opted in to “mail a check” as my form of initial funding, and after checking with her manager, she was unable to change it to any other form. I’m sure glad there’s a BMO near me. This process is convoluted and I’m not even getting credit card points out of it.

    • sam says:

      This is really a bank where its best to apply in person and forgo the points. They didn’t have cc funding for a few years for a reason-they don’t like it.

  46. 10g says:

    Does the bonus really takes 90-120 days to post. I was reading one from last year and they post within 2 weeks after the direct deposit was completed.

  47. Marco says:

    Does anyone know if I can just set up a monthly transfer of $500 from my Chase checking account to continually waive the fee for the BMO Harris checking account?

  48. 1tym says:

    Called to open late December. Received all the documents in the mail and sent back mid January. Account opened a week later. 2 direct deposits of 300 from payroll (01/31 and 02/15). Bonus posted today.

  49. Ender says:

    Just want to share dp that my 200 has just posted. Did 1 Huntington billpay, 1 discover sav transfer and 1 payroll. opened via phone

  50. Chris says:

    Just to ease the concerns of some applying in late March: Applied today, funded $1000 via Amex, and applied the Flex06 Code online – everything went fine and it only took 10 minutes…. Plus 5 minutes to download and install Adobe ‘QuasiSpamWare’ AcroBat Reader 8 cuz nothing else can read the Signature PDF, and then Uninstall that PoS.

  51. niiiz says:

    Be careful! Make sure they do not enroll in online banking for you. They did this without my consent or knowledge. They apparently chose ‘fund by check’ for me. I’m not aware of this, so I ask how I can fund my account. They say, “Well, when you enrolled, you chose fund by check, so that’s what you have to do.” I tell them, that it was not me who enrolled, someone there chose that for me. But I don’t use or even own checks anymore, so I would have never chosen that method. They tell me that once I choose, it can’t be changed.

    A side note, getting my username and password from them seemed a little too easy.

    • Rene says:

      > A side note, getting my username and password from them seemed a little too easy.

      US Banks seem to generally not care about security at all — in comparison to European or especially german banks. Basically, every CU and smaller bank had a mandatory ‘mothers maiden name’ security question — which seems only slightly more secure than ‘what day is today’.

      I obviously never actually enter my mother’s maiden name there, but make something up. Which occasionally leads to confusion: “you don’t know your mothers maiden name?”.

      At another bank, I forgot my security question and couldn’t find a way to reset it. I called and the nice lady just told me the answers — which raises a ton of questions: starting from why the answers are even stored, why a first level support employee can see the answers or what’s the purpose of those answers if anybody can retrieve them by calling.

      We all should be aware that most daycares have higher security standards than small banks and credit unions.

      • sirtheta says:

        Speaking of US Bank and security issues, I am continually stunned at how badly US Bank generates the numbers for their Visa Gift Cards. No wonder they’re *plagued* by fraud — you can buy a stack of 4 $500s with the first 14 out of 16 digits the same!

        • artgriego says:

          Recently? That’s disappointing to hear. The new packaging is much more secure than anything else out there; I would have hoped they’d attacked the problem from all angles.

  52. PandakA says:

    I opened my account mid January did 2 transfers from Cap One 360 checking of $300 each, did a couple of bill pays. My bonus just posted 3/20/17. My regular DD from payroll had not even kicked in yet.

  53. Todd says:

    These can definitely be opened online. Their web page says it! not sure if I am allowed to post the link? So I wont until I get approval from Dr. Credit.

  54. Shawn says:

    Data point: Opened account 3/20, funded $1000 with Wells Fargo Propel World, posted as purchase.

  55. Adrian says:

    For those of you that have received the bonus already, 2 DD’s of $300 each for a total of $600 was sufficient?

    Just got off the phone with a rep to confirm profile and security questions and she said the language on the website is incorrect. The requirements are supposed to be 3 consecutive months of 2x DDs and not just once.

    I’m a bit confused on what is needed but if you guys are getting your bonuses following the above advice then that’s what I’ll do as well.

    • The CSR are absolutely clueless, stick with the fine print on the actual offer. They used to say the offer didn’t even exist. You can also see above somebody getting bonus with 2 x $300.

  56. R says:

    “….account between December 19, 2016 and February 28, 2017” ??

  57. M says:

    Is it still the case that your first BMO account cannot be opened online?

  58. Jake N says:

    Just applied for this, got to the Chex questions and either got one wrong or they are strict on inquiries. Anybody else have this happen?

    “We are unable to open your account online at this time.You will receive a Declination Notice regarding this decision via email. Thank you for your interest in BMO Harris Bank.

    • Gadget says:

      They are not “strict” on Chex inquires in my experience. I opened my account last year without issue, and my SO’s account went through no problem, and she has about 6 new accounts in the last 6 months. Also, nobody else in this blog has cited Chex denials.

      Probably like you said, an issue with one or more of your answers. Recommending having Credit Karma Equifax report up on another tab when applying, to sanity check your answers (loan payment amounts/account opening dates/etc.). Recommend calling for details, and maybe applying by phone.

      • Jake N says:

        Thanks Gadget! I just received the email that said to try calling, so I’ll give that a try on Monday when they’re open.

    • DN says:

      Same here. One of the security questions asked which street was closest however all of the streets listed are unknown to me. I even used google maps and did not see any of the streets listed nearby!

      My question is: how many days until our application drops in their system so that we could reapply online to fund the $1k via CC?

      • rq says:


        I had the same issue. None of the streets are near to me or even remotely known to me and how do they expect one to respond to. I did Google maps like you did, but got the ‘..Declination ‘ garbage.

        • greyhk2 says:

          I got the same unable message and the same question with none of the streets near me as well.

          Has anyone been able to get approved by calling in yet after receiving the question and denial?

  59. MarcoPolo says:

    @ DoC
    According to PandakA above ACH from Capital One in Jan 2017 counted as DD but I am seeing Capital one listed as not counting according to “list of methods banks count direct deposits” ?
    Also, should add in the OP about the warning from niiiz that “Be careful! Make sure they do not enroll in online banking for you” –not really sure what is happening here since others were able to fund their account with CC online.

    • It’s listed as not counting, but there is an addendum saying it recently worked. Niiz is talking about opening by phone and then not being able to fund with a credit card I believe. Don’t think it’s really an issue worth mentioning anymore

  60. MarcoPolo says:

    Do you still have to call in to do the whole “complete your bank profile” process ?
    They still have one foot in 20th century it seems 🙂

  61. Yu says:

    Is this offer targeted? It shows the following text on the site

    You must mention the promo code in the email sent to you at account opening and your account must be open and in good standing when the bonus is paid approximately 120 days after opening.

  62. Iz says:

    Do you need to enter the code if you apply online? The first screen says you don’t need it, but then later there is a box asking for it.
    Also, it seems that transfers from Cap One and Discover are working for DD, correct?

  63. James says:

    Can you get a student waiver if you’re over 24? I know that’s the cut off for most banks, the small print doesn’t really say. Regions let me get a student account at 25.

  64. Raj says:

    Only Citizens can apply…:(

  65. Rene says:

    Online account opening only for US or CA citizen. Any experience whether this is just a limitation of the online application or if they generally don’t accept green card holders (which would probably we unlawful, but you know … like in reality).

    • Tom says:

      Similar question has been asked multiple times throughout the thread. Never been replied to.
      Would really be helpful if one of the admins could share some of his vast knowledge or at least give an opinion on what to do as a green card holder (who also would prefer to credit card fund).
      Thanks in advance…

      • Rene says:

        I don’t see how any non-greencard holder could respond to that matter, or why they should or would make any attempt to figure it out and I especially don’t see the admins in any particular debt to deliver that information. I’d say it comes down to us to try it out.

        I was going to figure it out and report back until I noticed that BMO Harris is a fairly local bank (while apparently a big deal in the midwest) and the next branch is 350 miles away.

        I’d assume that green card holders are concentrated in certain areas of the country and BMO Harris areas don’t seem to serve those areas. From that perspective it might be a no for many green card holders anyways.

      • How are we supposed to know if it will work for greencard holders or not? Sometimes you need to do your own research.

    • MarcoPolo says:

      What I understand from reading various forums is that only few banks specifically want you to be a US Citizen or Permanent resident (Resident Alien).
      However, most banks actually mean a US person which means if you are a US person for tax purposes i.e. have a SSN, US Driver’s licence and work/live in US lawfully then you are a US person and therefore can open a bank account online.
      Best way to find out is to fill the application truthfully and their “system” will tell you if you are eligible or not. Remember, your CHEXsystems report doesn’t get pulled until you agree to CERTIFICATION.
      So, if it say US Citizen or Permanent resident then you can’t apply and
      if it says I am a U.S. citizen or other U.S. person then you can proceed.
      I hope this helps someone but verify the facts yourself as I may be wrong in my interpretation.

      • Rene says:

        > So, if it say US Citizen or Permanent resident then you can’t apply and
        if it says I am a U.S. citizen or other U.S. person then you can proceed.

        I am obviously no immigration attorney, but I don’t think that is correct. As far as I know, a green card holder IS a permanent resident. A VISA holder is a non-permanent resident. A ‘US Person’ does include permanent and non-permanent residents, but the major difference is that it includes — additionally to naturally persons — us-based trusts, partnerships, and corporations.

        I agree most banks got their online application process lined-up. I used to see many banks allowing online applications only for us citizens. Even Chase made me go to a branch as recently as two years ago.

        However, this is the first time in 1+ years that I see a bank not accepting permanent resident account applications online. Given the overall ‘dated’ appearance of, I give them the benefit of the doubt that they just didn’t update their system yet.

        My question was less whether or not green card holders can apply online (they can’t), it was more towards any experience whether or not they open accounts for green card holders. I’ll call them next week and will report back. I do expect them to send me to a branch, though.

        • Sini says:

          Any update on opening this account online for green card holders?


          • Rene says:

            Yeah, surprisingly and annoyingly hard to get somebody on the phone. I made them call me back … and they said I’d have to go to a branch to open an account.

            That’s about what I expected. I guess that breaks the deal for the vast majority of green card holders, but if you have a branch in your area it might still be worth it.

          • Rene says:

            I noticed a new paragraph on the application page:

            “If you are not a U.S. or Canadian resident or citizen, or you wish to open accounts with an ownership other than individual or joint, please contact BMO Harris Online Services.”

            Not sure if the lady on the phone was misinformed or if they got some backlash for not allowing remote account opening for non-citizens, but I’ll try again.

      • Boozi says:

        FYI, permanent resident and resident alien are 2 different things. I for example, am a resident alien but not permanent resident.

  66. Richard says:

    On your page: “You receive an external deposit of $500 or more,” but BMO says “You have Incoming External Deposits into this account totaling $500 or more during the statement period.”

    Therefore, having 2 direct deposit of $250 per month should keep the account free. Correct?

    • Joshua H says:

      >Incoming External Deposit refers to a deposit from an account
      maintained somewhere other than with the Bank or an account not
      owned by you and deposited to your Account. This includes ATM deposits
      but does not include any other credits received through a Card.

      Sounds like it should

      • Richard says:

        I hope so! I’m stretching it thin with all these banking bonuses LOL! I can only split my paycheck up into 4 banks.

        Doc’s pages are misleading I think (not intentional) but for instance, here on BMO’s post, he says “You receive an external deposit of $500 or more.” That makes it sound like it MUST be $500 or more.

        I read it on BMO’s page as “You have Incoming External Deposits into this account totaling $500 or more during the statement period” which I take as you can have multiple direct deposits, they just have to add up to at least $500 by the time your statement closes.

        • Joshua H says:

          Just remember that your DD for the bonus needs to be $300 each

          • Richard says:

            Yup! Thanks. I think what I’ll do is just setup my paycheck to have $300 go in. That will cover requirements, plus be over $500 per statement to keep the account free.

        • That’s copy pasted from their website…

          • Richard says:

            So here on Doc under “avoiding the fees” you guys state that you have to receive an external deposit of $500. You often word it like this on the blog. If I’m reading it correctly, it’s a little misleading (not intentionally, I know.) The way I read it is you guys are saying it has to be a single $500 direct deposit.

            On BMO’s website they say “You have Incoming External Deposits into this account totaling $500 or more during the statement period.” So i read this as I can do a $250 direct deposit twice a month and this equals $500. So I’m fine. I will avoid the account maintenance fee 🙂

            Your wording is a bit off too on the PNC post too, as I imagine others as well.

  67. Zack says:

    Any DP’s on whether Chase, Citi, Serve, WF count as DD? The DD page list for BMO is pretty short. Thanks

  68. Joshua H says:

    I had one Account Verification question that was ridiculous. Asked which of a set of roads I had never really heard of was closest to my address. None of the above wasn’t an option available, so I resorted to Google Maps and apparently guessed incorrectly.

    I wonder if it’s worth calling in since they should already have my info.

    • DN says:

      Same thing happened to me. I’ve done many Chex applications in the past and have never had that weird question. I double checked on google maps and still could not find any of those streets nearby.

      Only downside to calling is no funding via CC I assume. I wonder if it’s possible our application drops after 30 days and then we could reapply online?

    • charles says:

      Happened to me, waited 30 days to try again. Same question. The nearest road was a couple towns over.

  69. Jeff G says:

    When applying online, do we not need a promotional code?

    • Correct, it’s automatically applied as mentioned on the landing page.

      • CHICKA says:

        So, can anyone confirm for sure, because it stays BLANK on the online app. Are to just assume it “automatically” is applied as it is stated? Then why can’t we see it? Unless anyone has called in to CONFIRM it was added or does at the end of the app, it actually tell you it WAS indeed “added”. Can anyone confirm specifics? Thanks!

        • When you’re in the application it shows as blank, if you hit the back button and then proceed again it’ll show the promo code. The terms on the page are pretty clear that it’ll be automatically added. Calling is pointless because their reps are not reliable at all (e.g they have said things like this promo doesn’t exist, that’s on a hacked website etc).

          • Rob says:

            It didn’t show when I hit the back button and went forward again, but “flexcode06” shows as part of the URL, so I’m confident (fairly) that its applied.

          • Jeff H says:

            I read that before applying. It did not happen for me. I had to submit the info to get the promocode by email and use that. I was successful after using the emailed code.

  70. Jeff G says:

    Thank you. I got to the page where it had the promotional code field and I was too nervous to leave it blank and click through. Appreciate the response.

  71. Panda says:

    Any DPs on funding both checking and savings with 1000 each on CC?

    • irshad says:

      Funded both checking and savings with Amex starwood. Seems they both went through.

      • Zack says:

        Did you get 2 or 1 chex inquiry? If 1, did you have to ask them to consolidate or was it automatic? Thanks!

      • Zack says:

        Also does that count as min spend for your amex spg?

        • irshad says:

          Both payments went through as sale. I dont see why they wont count towards minimum spend.
          I would believe they will count, but I wont know for sure for next couple of months till I complete my minimum spend.

          • Adam says:

            did you have an option of splitting which CC you could use for each acct? or if you open both at the same time you can only use one card to fund a lumpsum of $2k total?

          • JuicyJosh says:

            Yeah you can split it between multiple cards. Fund checking with one input and fund savings with another. Even if using same funding source you still have to enter it twice.

  72. Frito Pendejo says:

    I signed up for a similar BMO Harris $200 promo in Oct 2015 and never received the bonus. I used either Ally or Discover ACH to meet DD, and I suspect it was not accepted as legit. I still haven’t closed the account because that one was fee free and I hated talked to the employees there.

    • Would be good to know what you used

      • Frito Pendejo says:

        according to my notes I used Discover ACH as DD in 2015, and it did not count.

        • Curtis says:

          Crap, just got this setup and did my 2x $300 transfers. I’ll report back if it works in the end. The only other BMO option not crossed off is Schwab, and their process to add external accounts is a major pain (have to send in voided check)!

          • Ken says:

            I’ve been using Schwab as my hub account for years and have probably added 40+ ACH links and have never had to send in a voided check. Everything can be done online like any other bank using trial deposits that you verify.

          • Curtis says:

            @Ken (below), I should have mentioned this is Charles Schwab checking only (no trading account). Maybe that’s the issue.

          • Ken says:

            Yes, I only use the checking account from Schwab. I have a brokerage, but I have never held any fund in it. I don’t know where you’re seeing that you need to send in a voided check.

          • Curtis says:

            @Ken, on, login to my account, Transfer Funds, External Account List, it says “Download Schwab Bank Electronic Funds Transfer Enrollment Form to add accounts to transfer between your Schwab Bank deposit account(s) and your accounts at other United States financial institutions.”

            I had to fill out that form and mail in voided check. Took 2 weeks to be added. Are you doing it another way?

          • Ken says:

            Yes. I login at

            Then Transfers & Payments once logged in. The External Accounts. Then Add External Account. Then Enroll Online.

            There is a mail in option, but it’s below the online option and from the looks of it they’d rather you do everything online.

            I can’t even log into Schwab using your link, it says my username/password is incorrect. That website looks really old and clunky.

          • Curtis says:

            @Ken, and my login doesn’t work at the site you provided, ha. Yes, the one I showed is definitely old and outdated. I’ve had this checking account solely for free ATM use abroad for about 2-3 years now. Sounds like we have different types of accounts.

          • Ken says:

            @Curtis – No, I think we have the same account, as we also use it for free/reimbursed ATMs worldwide. You should be able to create a login on the newer website I posted. You can use my link or just google for “schwab client login” and go from there.

  73. Geo says:

    Funded Checking, Savings, and Money Market for $1000 each ($3k total). Coding as a purchase on AMEX Biz Plat.

    • anthonyjh21 says:

      Interesting data points. Do you know if you had additional chexsystem inquiries for the savings and money market?

    • Zack says:

      yea I have the same question. Are all 3 accounts based off 1 chex inquiry? And if so, how did you go about doing that? Did you call them or send message or is it automatic? Thanks!

    • Chris says:

      How did you fund all 3 (x$1000) at once? I tried to open a Savings account the same day as checking and it wouldn’t go through. CSR told me on phone that I can only do 1 app online every 30 days.

      • JJ says:

        TY for the DP Chris.

        -Opened Checking online 4/7, funded w SPG AMEX $1k, coded purchase.
        -Opened Savings online 6/1, funded w Hilton Surpass $1k (coding pending, but per Cicero DP above this should be a purchase)
        -Tried to open Money Market online 6/1, could not. Called, rep states one online app per 30 days, but I could open via phone. Per another rep who processes apps via phone, this would take a total of 2-3 weeks to mail paperwork back and forth, so I declined.

        • Pete says:

          Thanks for the DP.

          Would you recall if you had to go through the same online process for the savings as the checking — in terms of filling out all the personal info and the ID verification questions?

          I’m sure my verification answers are correct, but got a denial. I’d like to fund the checking with a check/ACH, but then do the savings/MM online. Would love to know if having the checking enables me to forgo the verification questions for the subsequent account applications…


          • JJ says:

            Sorry Pete I can’t remember for sure if it required another round of verification questions for the accounts.

            I now have all 3 (checking, savings, and money market).

          • Pete says:

            Thanks, JJ.

            I eventually called BMO to open the checking by phone (identical verification questions :/). The rep said subsequent MM/savings apps would still require the same verification questions. So looks like it’s a highly likely to be no go for any online openings for me with CC funding.

            I helped a family member open an account online, as well — same denial, oddly

  74. ChaseJuggler says:

    Data point: Funded $1,000 from my Citi AAdvantage Platinum Select World Elite card. Still shows as pending, but BMO shows a $1,000 balance and my cash advance limit was set to $750 so it looks like all is well!

    Great bank so far. They give you the login, routing #, and account # right after you apply!

    • MarcoPolo says:

      Thanks for the DP.
      Did you still have to call in to do the whole “complete your bank profile” process ?

      • Chasejuggler says:

        It said that when I completed the app. But I have online access ND the account appears to be fully functional. I’ll do an online chat tomorrow and get to the bottom of it I guess. (I try to avoid human contact if at all possible with these!)

        • anne says:

          Applied all three accounts for my husband and funded $3000 total with his new Citi business Aadvantage. Got the account numbers at the end but still asked him to call in to complete “bank profile”. What should I tell him to expect during this call? TIA. Also it seemed that the signature card cannot be downloaded.

          • Daniel says:

            Strange, I also have a Citi AA business card and I got denied — cash advance set to $0 — I wonder why?

          • jcb says:

            Denied with Citibiz card unfortunately. Was able to use Alaska personal vias

          • MilesHustler says:

            @anne & @Geo
            When you opened 3 accounts, did you open them all at the same time? If so, was it online or over the phone? Thanks

    • WS says:

      thanks for the precise dp CG…. Happens my spouse has exactly that Citi /AA card — and if she opens this checking account, that’s cool for crossing min spend line.

      Anybody have any dp’s as yet on funding BMO via Bank of America cards. (amtrak for ex.)

  75. WS says:

    Thanks for this updating posting…. Have never had a banking relationship with an “out of state” bank…. with no local branches in my area…… Yet this one looks quite promising — esp. given no fee access to widely available AllPoint atm’s. Anybody have experience with depositing MO’s via such ATM’s? (With my current “local” bank, a WF branch, the Monegram MO’s often aren’t read right by the atm scanner…. and need to be verified by hand. Will that be a problem with BMO?)

    Also, am thinking this would be a great bank for ACH transfers “in” from places where I’m doing growing amounts of business/re-selling, like TPM, and have 1k/mo+ proceeds to deposit. Presume that would count towards avoiding monthly fees.

  76. ivy says:

    Should we leave the promo code blank when apply online? thanks

    • Dave says:

      It is mentioned at the top of this page in bold:

      We’ll automatically apply the $200 offer promo code when you apply online

  77. Mike Miller says:

    – Just opened two accounts online (Me and spouse).
    – Total time just under 30 minutes
    – Weird challenge questions but since I do all the money of the family I knew them
    – Used Chase Reserve to fund for $1,000 each. Lowered cash advance line to $20. Shows pending online under chase.
    – Seems pretty basic, read that I must call and send in a signature card. I was unable to open it so will call and ask them for it again.
    – probably the easiest one I’ve done online so far yet…will update post when chase posts.

    • James B. says:

      I had the same issue with trying to open and print the signature card. I called in and they are going to mail a signature card.

      The BMO rep also said to call in after 2 business days (but no later than 30 days) to provide additional info related to intended use of the account and employment.

  78. Jeff G says:

    – Just opened an account, took 10 minutes online.
    – I did get the question of “what is the nearest street to your address”
    – Also “what state did you live in 1984 to 1985”
    – Used AmEx SPG to fund $1000

    • Jeff G says:

      Called in today to “complete the profile”. They told me to call back in 48 hours since I just opened the night before. They also offered to send me the signature card info, seems they are aware that not everyone could download online.

      Very pleasant experience, CSR was in a very good mood.

  79. JuicyJosh says:

    Spouse applied online tonight. Including Ally and 360 joint hub accounts, this is 9th bank account opened in 6 months. Also had signature card viewing issue as pointed out above. Promo code thing is a little ridiculous. If they are going to auto apply it, why have blank input boxes asking for it? Definitely not reassuring when all we (I) care about is the bonus.

    Also, went out on a limb and funded checking and savings account with $1,000 each on CSR. Hoping old DP on in person application proves invalid. CSR cash limit $100. Will update soon.

    • Jame B. says:

      Do you know if opening both the BMO checking and savings account is an 1 or 2 soft pulls in chexsystems?

      • JuicyJosh says:

        Not sure but this marks the 13th account (not counting checking & savings combos at a single institution) I’ve opened in 9 months. Went through and funded both with no issues.

  80. Jeff G says:

    Has anyone found the place to enter external bank info, for transfers?

    • JuicyJosh says:

      If going for bonus, you should push to this account from another one. No need to setup transfer info with BMO. But…. while logged into BMO, I went to help and searched external transfers. Looks like a total pain. They need to call you to confirm its you and also some other garbage.

      Hey at least they have online applications now. Online transfers?!? What were you thinking? haha. Setup with your other bank(s)…

      • Jeff G says:

        Thanks JuicyJosh.

        Dumb question – If I am pushing into BMO, how do I get the money back out so that I can push $500 in the next month to get around the fees?

        • MarcoPolo says:

          @ Jeff G
          Use the same bank to pull out the money out of BMO you used to push money into BMO.

        • JuicyJosh says:

          You should be able to do the same transfer from your other bank, just flip the to/from accounts. Odds are you will have to verify 2 trial deposits into your BMO account. Once thats done you can control the flow both ways between accounts from your nonBMO account.

          We have 2 hub accounts (online banks) that seem to cover most DD requirements. Ally and CapOne 360. The DP list is pretty small for what works so its best to check all comments above for feedback on successes. Worst case scenario your employer DD.

    • Adrian says:

      I’ve spoken to three different BMO reps about this.

      External transfers are not available until after 90 days.

      You can use Bill Pay to a brokerage account (Schwab in my case) but a check will be mailed and may take several days. I linked the BMO account to my Schwab external accounts and then did an ACH pull. Takes 3-4 days vs normal 1-2 for funds to clear. Pulled on 3/27 and it will be delivered 3/31.

      • Jeff G says:

        Can you explain this more? It sounds like you may be saying that if I ACH money it I cannot access it for 90 days? I must be misreading.

        • Fish says:

          I think he’s saying that you can’t ACH money at all for the first 90 days

          • Richard says:

            I think he meant to say that you cannot ACH out of BMO account for first 90 days. I was able to ACH in from my PNC checking account within the first 30 days, so it must be one-ways in only until account is established.

  81. Ashton says:

    This is interesting. Application page errors out to enter a valid ssn for my spouse. Never had that issue before elsewhere. What is wrong ? System maintenance at 12.05AM ?

  82. CL says:

    Just tried to open it online now–got a message that my application was pending and that BMO Harris would contact me for more information… didn’t even get to the funding screen 🙁

    Will update as the situation changes, however.

  83. Dale says:

    Tried to open online. Received the following message.

    “Thanks for your application. We cannot open online. Please call us.”

    Any idea why?

  84. Kyle says:

    Started online application, entered personal information, got to step 3 questions and answered confidently on each one. Then,

    “Step 4: Your request cannot be processed at this time.
    Please try again later or contact BMO Harris Online Services at 1-877-563-3736 for assistance.”

  85. captainsave says:

    Just applied online but say i must call in to complete my banking profile.

    • Mike Miller says:

      Just did same, they said it would take a few days before. So I suggest waiting about 3 days before you call in to complete profile. But you should have online access now.

      • anne says:

        Do you know what they will ask when we call in?

        • Phil says:

          I applied and was approved on Sunday. Called on Monday, they asked to call back in 48 hours. Called in this morning and completed the bank profile.

          It was about 10 minutes of questions asking about standard personal info and a bunch about my employer. The questions were pretty ridiculous and I’ve never had to answer any similar questions for other checking accounts from other banks.

  86. Daniel says:

    Garbage. First time the application had an error and I had to restart from the beginning. Second time it completed and said I was declined or something.. the verification questions were ridiculous (asking about roads I’ve never heard of, people I’ve never heard of) so maybe that was part of it. Never had an issue opening an account with any other bank.

  87. James says:

    Opened account no problem. Apparently to get the student waiver you need to go in a branch…which none are near me. I called up and the lady claimed she can send me some forms to get some sort of fee waiver. If not, tying up $1000 for 4 months isn’t too bad.

    Also I’m kinda concerned about the promo actually applying. When I filled in the application the field was blank, even tried opening it in a different browser and it was still blank. Hopefully it’s just an automatic thing to all new accounts.

  88. Anony Mouse says:

    DP: Opened BMO Harris Everyday Checking 3/25/17, funded with Bank of America Cash Rewards Visa, transaction posted 3/28/17 as a purchase, not a cash advance.

  89. Dillon Welch says:

    I already had an online account with one opened savings account, one closed savings account, and one closed checking account (opened during the promo beginning of last year).

    Yesterday, I went to open both a savings account and a checking account. Savings account went through fine, checking account got stopped before I got to the funding stage. Got this email today:

    Thank you for your recent online application with BMO Harris Bank.

    Unfortunately, we are unable to approve your application online. If you are still interested in opening an account, you may visit a nearby BMO Harris location to reapply in person.

    For a listing of branch locations and banking hours please visit

  90. boop says:

    funded $1000 from citibusiness aadvantage platinum. just posted as purchase, with Merchant Category: MORTGAGE COMPANIES-FINANCIAL INSTITUTION

  91. Brian K says:

    Is there a risk of Amex clawing back the bonus / disallowing the spending if we are using an Amex card (ex. Business SPG) to meet the minimum spending requirement for funding a bank account such as this?

  92. Gibunono says:

    Something weird happened during my application process. The page said please input a valid Social Security Number and highlighted the blank. I double checked there is no problem with the social. Does anybody know the reason?

    First time to bank with BMO Harris.

    I don’t think the bank has a database of people’s SSN. Where is the problem?

    • Arl16 says:

      Same problem with me…. Dont know why its happening. Pretty sure I am putting it in right… Were you able to get around this??

      I tried Chrome as well as IE…

    • al16 says:

      Okay. I get it now… Any SSN starting above with number about 7 indicates person is non-US citizen. And hence this system recognizes that and terms it invalid for applying online. So we’ll just have to apply via phone.

  93. Dusty says:

    Verification questions really are ridiculous on this one, and got me. “What street is closest to where you live” and “With whom are you associated?” were both pretty silly. Two streets were close to me, apparently I chose the wrong one. Or maybe I’m associated with one of those people I’d never heard of? Unless there are DPs of being successful on doing a second online app I’ll have to pass.

    • Sean says:

      Same here. I’ve never failed verification questions when opening up a bank account. Asked me names of people I’ve never heard of and street names that aren’t in my town.

      I will only reapply if it can be done online. I don’t have the time or patience to apply over the phone.

      Any DPs on a 2nd online attempt?

      • Dan says:

        Yeah I had been told (back in March) that once you’ve been denied for online application you can never try again.. but I did it today after several months and it went through so I guess they were wrong about that.

  94. Vince says:

    DP: Successfully funded $1000 to this checking account with Barclay Arrival+

    Screenshot of transaction:

  95. Ruben says:

    Message with “Cannot open your account at this time online. You will receive a Declination notice via email.” Tried twice. No other reason given.

  96. JuicyJosh says:

    DPs – spouse and self both open checking/savings and funded $2k each.
    CSR posted as purchase.
    Citi TY Primere posted as purchase.

  97. CharlesHatfield says:

    Opened account online today 3/29, took about 5 minutes, funded $1,000 with Sapphire preferred, haven’t checked yet but not worried about it coding as purchase with cash advance at 100$. Will have to sign account card and mail it back to complete account, I had trouble downloading it so I logged in and did chat to get a new one sent, I also asked about fee being waived for student (which i am not) and he said to call in a week after sending the signature card back, I inquired if I needed to provide any documentation to prove it and he said no, which I took a screen shot if. We shall see, but looks like i might get the fee waived without sending copy of id and schedule. Ill report back.

  98. Mike Miller says:

    Successful with funding coding as purchase on Chase Reserve. For $1000.

  99. Credit says:

    For those that opened the BMO Harris account, did you complete the account profile?

    They say they will close the account if I don’t do it but it sounds like information fishing to me. They already have all the data they need for opening the account, what else can be need. Can they legally close the account if I don’t do this?

  100. DirtyLilRat says:

    Can we fund with Fidelity Visa without fees?

  101. SouthFayetteFan says:

    Screwed up the closest street question – blah! Does anybody know if this will reset and let me try again at any point? I tried again immediately and it wasn’t having it.

    • Daniel Kirschenbaum says:

      They told me it locks you out permanently after multiple attempts.. just a terrible bank honestly

  102. captainsave says:

    What’s the address to send the signature card form to?

  103. Matt says:

    Is sending in the signature card absolutely necessary to get the bonus?

    I opened the account online and got the welcome page informing me I need to print out the page and send it in. But I was unable to download the signature card page at that time and it is not appearing anywhere in my online account now.

    I chatted and called in and the reps want me to visit a branch to get the signature card, which won’t work. I’m wondering if they’ll yet be able to mail me a signature card or if this stuff even matters for our purposes…

    • Adrian says:

      BMO is having system wide issues with the digital signature card process.

      They are supposed to mail you one to sign and return.

      I don’t know how strict they are, but Federal law requires them to have it or they may close your account. Considering the bonus will not post until after 90 days it’s best to just do it.

  104. James B. says:

    It is not clear if the signature card is absolutely necessary to receive the bonus.

    BMO Harris is having issues with printing the signature card online, so I called to request for it to have one mailed. The bank rep said a signature card is on the way. Call again and request a card from a different rep.

    I would recommend completing all the requirements to avoid not receiving the bonus.

    New customers are also required to call in (after 2 business days, but no later than 30 days) to complete more information about the use of the account and employment information.

  105. Matt says:

    Can anyone confirm the correct routing number for the direct deposits? My account number is viewable online but I couldn’t find the routing number in the emails or on their website

  106. JuicyJosh says:

    DoC, can you please add this in your description up top.

    A lot of us reported issues opening the Signature Card pdf during account opening requiring bank contact to mail a copy. Per BMO this is Google Chrome compatibility issue and should work fine in other browsers.

    • James B. says:

      Good point. New customers should use a browser other than Chrome to print the signature card.

      • Peter says:

        Hey folks, here’s what you need to do.

        1) Go here: chrome://settings/content
        2) Scroll to the bottom and check the box for: Open PDF files in the default PDF viewer application.
        3) Your file should download automatically.

      • El Guapo says:

        Safari also stalls on the signature card. Any idea how to force it to download the PDF, rather than try to open it in-browser in Safari? Already tried option-click and command-click on the download link.

    • James says:

      I had problems opening it in firefox when I applied. I had to install adobe acrobat to get it to work

    • Albrecht says:

      Chrome was not at fault in my case. The signature card was simply not in “Messages” so I had to call them to ask to mail me one. Chat works too but their reps are very impatient and any slight delay in chatting with them and they disconnect.

      • sam says:

        Anytime I chat online, I always say “k” etc. even before an actual response. They won’t just disconnect if you were the last one to respond. They hate that lol

  107. David says:

    Any update to apply online for US permanent resident?

    • Rene says:

      I had called and they said I’d have to go to a branch.

    • Frito Pendejo says:

      I just tried to apply for my wife who has a green card, but it the BMO harris application page says her SSN is invalid. Her SSN may be an EIN or ITIN as it starts with a number >800 and it seems SSN numbers only go up to 799. So, no go for BMO. Perhaps she will be issued a new number soon.

      • Yu says:

        Online says you have to be either a US citizen or Canadian citizen. How did you start from the first place if your wife is a green card holder?

  108. Laura says:

    Opened 1/5
    DD Paycheck 2/15
    DD Paycheck 2/28
    Bonus Posted 3/20

  109. Steven says:

    DP: SPG Biz funded $1,000 posted as a charge.

  110. tinker25 says:

    Is it too risky to use a brand new Amex card, just received/activated BRG yesterday (need to spend $5000), used ~ $60 in store today, hope to use it for $1000 or $3000 tomorrow, too soon?

  111. Ed says:

    FYI, if the signature card won’t print, you can contact them via chat and they’ll send a copy to your secure message inbox. (Takes 1 day to appear.)

  112. Daniel Kirschenbaum says:

    Tried 3 times to open online.. had error messages and decline notices then I was locked out.. called in and got transferred 3 times with each one contradicting the other was told I could only open over the phone but the specialist hung up on me when I asked to do so. I think this deserves new award for worst bank I’ve ever dealt with.. feel sorry for Canada.

  113. Justin says:

    Tried to open online 3/31 @~11:30pm. Got through the process to the funding stage, denied 6 different amex cards but accepted a visa. I canceled application and will try again tomorrow as I have seen other DPs of accepting amex without issue.

    • Justin says:

      I had the same problem this morning, I was able to use my card at the gas station however so was not an issue with the card. Anyone able to fund with Amex since the 31st?

      • Justin says:

        Just because I loving adding confusion. I tried it again tonight, the first two amex cards denied, but the 3rd took…I am beyond lost at this point….

    • tinker25 says:

      I was able to open a new w/ Amex 3/31 ~9:30am.

      Just tried to add accts to one opened earlier with only Checking. Message says ‘New account service is currently unavailable…’

  114. garaged says:

    New DP. I’ve never seen anyone fund a new account over phone with CC, but it seems to have worked (well, most probably).

    I started the checking account application online, got a bunch of verification questions (3rd step, I believe) and then the application went straight to the application-pending stage (6th stage?) saying the bank would contact me, without getting into the funding page at all!

    When the bank did call (phone) a few days later, they asked me the same verification questions all over again. Then at the funding stage, offered to use a credit card for funding (debit and check being the other options mentioned)! It seems to have taken on my Amex SPG – the purchase is pending but shows up as “Business services – Banking services” and my cash advance limit is turned all the way down. I’ll be keeping an eye on it to make sure it posts as a purchase.

    Now I just wait till the signature card shows up in the mail.

  115. anne says:

    I just opened all three accounts and funded with Citi Aadvantage. I tried with Citi Aadvantage Business and the card could not be veryfied. Weird! At the end I could not still open the signature card despite of using IE. Even worse, I did not save the final page with all my account numbers and the stupid error signature card just took over the page although I hit close. I closed my checking account last year when I did not get bonus using Discover ACH transfer and the system still recognized that I am already enrolled in online banking.

  116. Darius says:

    Another DP that it posts as a purchase for the Chase Ink Preferred. I hadn’t bothered to lower my cash advance limit – worked anyway.

  117. MaLaCoiD says:

    It looks like Wells Fargo will work for DD, as it shows PPD:

    • Bob says:

      Just to let you know, trial deposits are different from regular deposits. This is because Wells Fargo initiates the trial deposits but you initiate the external transfer (and it could show as you sending the money instead of them). Still, it might work! We won’t know until you do an external transfer.

    • Nicole says:

      Please let us know if WF works for DD when it posts. Thanks!

      • MaLaCoiD says:

        Looks like it will work for meeting direct deposit requirements:

        • sam says:

          I would be careful relying on that as BMO has something to the effect of “can require documentation” for direct deposits in their ad, I believe. Which means, if you’re counting on it, and they are as a rule going to not pay until people complain, they’ll say you didn’t have any. If people start asking them if Wells Fargo counts before bonuses hit, there is a chance they’ll stop the automatic posting for those kinds of transactions.

        • Rich LeDay says:

          Any Updates to this DP? I wanted to use WF transfer myself for this bonus

        • Jay says:

          Any update yet? Did Wells Fargo work in the end?

  118. JuicyJosh says:

    Anyone know if the saving account carries any fees or requirements? Im ready to payback the MS but wasnt sure. I cant seem to find anything on their site.

  119. Frito Pendejo says:

    Ugh. I just realized I never closed my old BMO account from which I never got the bonus. Its been sitting at zero balance for a year or two now. So because I have an account I probably won’t get the bonus again this time. Oh well, it was worth it just for the amex funding.

    • Matt says:

      Why didn’t you get the bonus the first time? Was it that you didn’t meet the terms or they just didn’t pay?

      • Jan B says:

        I didn’t get mine either in 2014ish era and I was eligible for two different ones at the time, got neither. Small print snafu and the branch peeps, though, exceptionally nice, are not interested in getting into the weeds to help make all initial account requirements clear. She put in the code(s).

        Yes, you could say that’s my responsibility. The account was pretty much useless anyway.

        If I am not mistaken, only TWO DD fundings need to be made on the current promo within 90 days. I may be able to gingerly talk my DH into that.

        Does anyone else concur with the two DD requirement?

        • Jan B says:

          Sorry, one more thing.

          Do not accept a CC offer OR an overdraft plan offer while opening the checking, especially in the branch. Just a reminder…HP.

      • Frito Pendejo says:

        The first time I tried was late 2015, used Discover ACH as DD method. Never got the bonus.

        I did notice that BMO actually closed my old account at some point, possibly many months ago. It still shows up in my summary screen but when I click on details it says closed.

        I tried this new promo in late March this year (2017) and used both Discover and CapitalOne ACH as DD. Still no bonus but I’m not quite at the deadline yet. I don’t really have high hopes.

  120. J T says:

    DP: opened and funded with AmEx SPG Business, posted as “business services – banking services”.

    The strange online challenge question I’ve never encountered before was a list of supposed acquaintances, but I answered “none”. Stranger still were some of the verification questions I had to answer when I called in a couple days later, this requirement is spelled out clearly in the welcome email. I managed to scribble down most of the questions the CSR rattled off, so I hope this helps knowing what to expect:

    Call in 2+ business days after applying online:
    Current address?
    Current employer?
    Month/year hired (from acct app)?
    Government or foreign official?
    Any family member government or foreign official?
    Source(s) of income (listed)?
    Employment, biz owner, SS/retirement, judgment/settlement, spouse?
    Occupation (choose from list)?
    Classification (choose from list)?
    Sub-classification (choose from list)?
    Industry (choose from list)?
    Sub-industry (choose from list)?
    Account types opened (from acct app)?
    Reason for opening acct(s)?
    Anticipated bank interactions (listed)?
    Branch, mail, ATM, phone, online?
    Initial funding source (from acct app)?
    Anticipated use of acct(s) for foreign transactions (listed)?
    Offshore, high-risk/unstable markets, other complex investment transactions?

    • anne says:

      Thanks a lot for this summary. I just called in for myself first so that I can tell my husband what he should expect when he has to call for his accounts!

    • Jack says:

      Did you apply online or by phone? Rep told me they were not able to fund the account using credit card by phone. Is that true? I had problem applying online because one of the security question had glitch.

  121. Steve says:

    Any DP on applying and completing phone interview with no earned income/employment? My wife is a full time mom and not sure if I could get her through the process.

    • Sara says:

      I have no earned income right now (all my husband’s) and was able to open one without any problem on 4/18/17.

      • Steve says:

        To follow up, there is an option for “homemaker” under employment status. I had her select that when she opened the account and there were no problems. I’m hoping the follow up questions will be greatly reduced. Unfortunately Citi AA was declined, which was kind of the point of opening this acccount, but I funded $2000 (savings and checking) with CSP.

  122. Daniel says:

    Two datapoints:

    ACH DEPOSIT WEB SCHWAB BANK P2P (guessing will not count)
    ACH DEPOSIT PPD JPMorgan Chase Ext Trnsfr (maybe will count)

  123. Matt says:

    Just as an additional DP, I saw the warnings about Chrome and the signature card and so applied in Microsoft Edge. Unfortunately, the signature card would not load for me in that browser either. So either use the workaround or a browser other than Chrome or Edge.

  124. Matt says:

    I’ve now called a rep and twice chatted reps about getting the signature card emailed or secure messaged to me. No luck (3 and 6 days later).

    I’m losing motivation on dealing with their mostly broken systems. Starting to think I’ll not bother with the signature card, do some ACH transfers from Capital One 360, then close out ASAP.

    • James B. says:

      That is really strange. I had two different reps on two separate phone calls offer sending out the signature card.

    • Dan says:

      I talked to chat and they said can’t be emailed has to be mailed.. also completed card has to be mailed using prepaid envelope not faxed or emailed.. a bit annoying but its ok

  125. dee says:

    Fun DP after calling in: I took too long on the final identity verification part (trying to remember which street I lived on, what year my house was built) and was denied for online app on that basis alone. Told I’m locked out online app for 30 days which takes me beyond the bonus offer time. Maybe they’ll extend it.

  126. John says:

    I did the Chrome trick and downloaded the pdf, but I got:

    The document you are trying to load requires Adobe Reader 8 or higher. You may not have the
    Adobe Reader installed or your viewing environment may not be properly configured to use
    Adobe Reader.
    For information on how

    grrr, no go.

    • John says:

      Actually I ended up downloading Adobe Reader and I was able to open the file.

      I also found that if you didn’t do the chrome trick you might be able to find your signature card pdf from:


      give it a try if you didn’t clear your cache.

  127. Kevin says:

    I needed to MS $3,000 so I opened a Money Market, Savings, and Checking and funded each with $1k on my Citi AA Business.

    I am ineligible for the bonus, however, because I closed my previous account with them in September 2016. Still going to do the DDs and see what happens. Any one have any luck getting the bonus with a previous account that was less than 12 months old?

  128. sybloc says:

    Is Paypal considered direct deposit?

  129. Shaun says:

    This bank is kind of a pain in the ass to deal with. Along with the aforementioned problems with the signature card, you have to answer their verification questions online, then the hundred questions when you call in.

    A week after opening the checking, I attempted to open a savings account online to MS another $1000. At the end of the application online it said it couldn’t instantly open and I had to call in. After finally getting a hold of someone they told me I couldn’t fund the account with a credit card over the phone.

    • Pete says:

      Thanks for the DP.

      Would you recall if you had to go through the same online process for the savings as the checking — in terms of filling out all the personal info and the ID verification questions?

      I’m sure my verification answers are correct, but got a denial. I’d like to fund the checking via phone app with a check/ACH, but then do the savings/MM online. Would love to know if having the checking enables me to forgo the verification questions for the subsequent account applications…


  130. Ken says:

    Can I open a savings account at a later time for $1k spend or do I have to open them at the same time?

    • Shaun says:

      I’d do it at the same time, considering they wouldn’t let me find with a credit card when I opened the savings later.

  131. BHanna says:

    Opened account April 3rd, funded with checking account…

    – Account fee waiver with college ID and Transcript (I am 26 years old)
    – They DID NOT consider venmo cash out as DD.
    – Will try Vangaurd push, and Capital one push as well and try to remember to post back.

    Overall, not happy with their customer support though….

  132. Brian says:

    One of the methods to avoid the monthly fee is

    “You have Incoming External Deposits into this account totaling $500 or more during the statement period”

    It sounds to me like a DD isn’t necessary to avoid the monthly fee, just a transfer from another bank will work. Am I understanding this correctly?

  133. 40 or Fight says:

    Application was going just fine. There were four ID verification questions, and I definitely answered them all correctly, but then the process shut down and I received the following:

    “Thank you for your new account application. We were not able to complete your application automatically. We are reviewing your application and will contact you soon.”

    Presumably this means that, even if I’m approved, I won’t be able to fund with a CC?

  134. Justin says:

    DP: Citi AA Biz card (with $0 cash advance) limit was declined when I tried to use for funding. Amex SPG Biz ran successfully for $1000 funding, appears to have posted as a transaction. I called before to have my SPG limit set to $0 and was told they couldn’t change my $2000 limit, but I had not opted in to cash advances so effectively it was 0, so a little nervous but felt it was worth the shot.

  135. ajpl says:

    For those who opened a Money Market Account for an extra $1k MS, how are you planning on waiving fees?

    $15/mo, waived if any of the following are met:

    1) You have kept a $2,500 or more minimum daily Ledger Balance in this account for the statement period
    2) You have a minimum monthly $100 Auto Save transfer into this account, which will waive the monthly maintenance fee for two years after the Auto Save is established, as long as a minimum $100 Auto Save transfer into this account continues to occur each month during that two-year period.6 Waiver must be requested from a BMO Harris Banker
    3) You have requested to link this account to a BMO Harris Portfolio Checking® or BMO Harris Select Checking® account to receive benefits under Relationship Waiver7 and meet the monthly Combined Balance requirement
    4) You have requested that we to link this account to a Wealth Checking account to receive benefits under Relationship Waiver7 and meet the Average Daily Balance requirement

    #2 seems easiest for people who don’t want to park $2500, but not sure what “requested from a BMO Harris Banker” means. Can I do that over the phone or does it have to be in a branch?

    • Wong says:

      I did this for their Savings account. I just set up the $25 transfer to the savings account from my Everyday Checking and called their customer support. The CSR double-checked that the transfer was in place and applied the waiver.

    • tinker25 says:

      Either call or eChat works, request auto save transfer from Checking to MM

    • J T says:

      Chat and request the waiver, the CSR waited in chat while I set up a monthly recurring transfer from checking to money market, then confirmed the waiver on my account. Easy.

  136. 0xFF810000 says:

    DP: Started app online and finished over the phone with CC funding (needed identity verification).

    • 40 or Fight says:

      Sorry, the following was meant to be a reply. Still getting the hang of this…

      Did you have to mail/email/fax something in?

      I’ve been asked to give them a utility bill (presumably as ID/address verification).

      Also, which credit card did you use?

      • 0xFF810000 says:

        Yes. Had to email a photo ID and utility bill. Funded $1000 with CSP.

        Also, my trial deposits from Ally showed up as:

        ACH Deposit – Credit #########0

        Will see if the $500 push posts as a qualifying direct deposit and update.

        • 40 or Fight says:

          Thanks. Another one if you don’t mind.

          How did you get them on the phone after you sent in your verification docs – did you call them immediately afterwards, or say something in your submission cover about how you wanted to fund initial deposit with a CC?

          • 0xFF810000 says:

            I got to the end of the app and it said I’d be contacted by them and that I wasn’t able to complete the app online. They called a few days later and it took about 4 days of phone tag before I finally got ahold of them to complete the app. They asked how I’d like to fund the opening deposit and I said credit card and gave the number over the phone.

            You can call this number to get any of the reps: 800-249-4339

          • 40 or Fight says:

            Following up on this. When I emailed my utility bill, I asked if it would still be possible to fund with a CC. The answer was no, and that I’d have to send/deposit a check.

            However, someone called a few days later and offered me the ability to fund with a CC – apparently because I’d indicated interest in my email correspondence. So, I was able to fund with a CC after all.

            Funded $1K with Chase SW Plus – coded as a purchase.

        • gina says:

          Yes, would love to get an update when it posts!

        • Nathan says:

          Did this post as a deposit?

  137. 40 or Fight says:

    Did you have to mail/email/fax something in?

    I’ve been asked to give them a utility bill (presumably as ID/address verification).

    Also, which credit card did you use?

  138. churnbabychurn says:

    How long does it take for the bonus to post? I had an ACH post from Ally Bank about 2 weeks ago and no bonus yet.

    • Ken says:

      Did you read the article above? Specifically The Fine Print section.

      • ajpl says:

        I’ve never churned a bank where it took as long as the terms stated to actually post the bonus. OP is clearly looking for DPs, not a snarky comment that doesn’t add to the conversation.

        • Ken says:

          I have. Several. HSBC, Citi, Chase, etc all post the bonus exactly when they say they will in the terms. Here’s a DP from a search I did in the comments. Took me 10 seconds to do and there’s no reaosn the OP couldn’t have done the same instead of asking to be spoonfed.

          March 20, 2017 at 9:56 pm
          Called to open late December. Received all the documents in the mail and sent back mid January. Account opened a week later. 2 direct deposits of 300 from payroll (01/31 and 02/15). Bonus posted today.

          • ajpl says:

            Funny, that DP you found is nowhere near the 120 days specified in BMO’s terms. So your original comment was not just useless but misleading to boot.

          • Ken says:

            Would you like me to search through more comments to find one that satisfies you? OP’s 2 week wait is not in line with other commenters or the terms.

          • JuicyJosh says:

            Im with you Ken. 90+ days is close enough. BMO is def no WF, Regions, Chase, etc. (fast posters)

            A little comment reading does wonders. Also no DPs to indicate Ally works although there are not many reports. Just sent my second Cap One 360. Ill be counting that $200 soon enough.

          • Dean says:

            Aaah, @Juicyjosh. You jinxed yourself! I was counting on ya, man!

  139. Dan says:

    Opened in branch… can’t create online banking… BMO is a PITA.

  140. Cristi says:

    Funded with Bank of America Alaska business which coded as a purchase.

  141. Shaun says:

    Anyone else having problems transferring to BMO Harris? I’m having a hell of a time. First, I used the routing number the rep gave me over the phone and all three transfers failed. The initiating bank says “R03 No Account/Unable to Locate Account.” Next I tried the routing number at the bottom of the checks they sent me and only one transfer was successful. The other two giving the same error code as before.

    • Flea says:

      Ditto. I can’t 100% say what is happening because it seems like my company has a rather antiquated form of DD software/payroll, but the auto-system says/thinks it applies to “Harris Bank N.A.” (maybe that’s its actual incorporated name without the BMO, but if there’s a discrepancy, who wins? from my experience with ACH bill pays on the accounting-department side, everything on the account name has to match down to the punctuation or it will fail); and when it came time to do final approval/upload of my paycheck into the bank, the payroll software all of a sudden termed my account of “Unknown” origin/etiology (when setting it up, I chose “Checking” from the pulldown menu, of course). Now I won’t know until the 30th, if the new attempt at a routing number was success or failure… I’m adding Capone 360 to the roster in the interim, see if I can get this done.

      • TJ says:

        My HR direct deposit system also says Harris Bank when I type the routing number in and my system and very sophisticated. Everything is done online. Here’s hoping to no issues.

  142. TJ says:

    DP: Funded 1k from Amex SPG. I didn’t lower CA limits and it went through as a purchase.

    Thanks DoC!

    • Max says:

      Same! Opened last night with spg personal and tried calling today to verify – this was mentioned above, but I was told it takes 2 days before the system can update with my info, so I need to call back tomorrow. Doh!

      Did you see where the sig authorization needs to be sent? There is no address on the form that I downloaded.

      • TJ says:

        I used an iPad to sign up so the signature cards didn’t load. I had to call and they’re going to snail mail them to me. 🙁 It opened all the other PDFs, so I don’t get why it couldn’t handle the signature card.

        • TJ says:

          Yesterday I got the signature card in the mail with a return envelope. I had to call the night I opened it to request it.

      • JW says:

        The address was on the next steps page below the download signature card link:

        BMO Harris Bank N.A
        P.O. Box 94006
        Palatine, IL 60094-9903

  143. Sara G says:

    Opened with $1000 from SPG Amex. Coded as a purchase without lowering CA limit. The Chrome trick worked to access the sig card. Will call in tomorrow for the remaining portion of the account opening.

  144. Dan says:

    DP: funded the account with Chase freedom unlimited for $1000. It posted as purchase !!

  145. ThanksDoc! says:

    DP: funded with Citi Prestige for $1000 and posted as purchase

  146. Dd says:

    Does the savings account also have a bonus? And does it safely allow credit card funding from an Amex like the checking account does?

  147. jz says:

    I think i failed the security questions and got declined. Anyone knows when i can apply for it again?

  148. rb says:

    Since I am not a permanent resident, I cannot open the account online and will need to call them to open the account. So, my question is whether I can fund the account with my Merrill + credit card on the phone? Also, will this code as a purchase?
    Please help, planning to open the account this weekend.

    • jz says:

      Since my online application didn’t go through, I was told I’ve to wait for a welcome package when I call them to do it over the phone. The account will be open when the check is received by them. I don’t think they take CC over the phone per comments from other.

  149. Phil says:

    My transfers to BMO Harris from my Discover Savings coded as:

    I’m guessing that these don’t count because of the P2P language? The description of the transfer says ACH Deposit though.

  150. eclipsor says:

    DP: $200 bonus pending exactly 6 days after 2nd payroll DD

  151. 0xFF810000 says:

    DP: Ally did not qualify as direct deposit after confirming with CSR. The trial deposits coded with PPD, but the actual ACH transfers coded as P2P.

  152. Arny says:

    DP: USAA Checking did not work as a DD

  153. sam says:

    After seeing comments, I had done my 2 employer DD’s by the first week of April. I messaged them yesterday asking when I would receive it and WOW. They actually credited it yesterday. Way better than their last bonus cycle. I woudn’t have hounded them though if trying an ACH….

  154. eclipsor says:

    As a DP: I added a savings account and funded with my SPG personal, coded as a purchase

    • tinker25 says:

      How did you add the savings?

      I did add savings online, selected already have login… a day later received email – Unfortunately, we are unable to approve your application…

      • eclipsor says:

        weird, yeah It let me add it just fine and showed up with the funds available instantly. They sent me an email saying I still needed to call them though which I did the next day so they can ask me some identity questions and send me more sig cards

  155. Tina RB says:

    I’d like to open up an account for my DH, but it’s incredibly hard to get him to do any of the paperwork business himself. Do banks care if the direct deposit is from a spouse’s paycheck? I can change my dir. deposit online and if I can a chunk of my check to his account and still earn bonuses, that makes life quite easy. Thanks for your help.

  156. 10g says:

    It looks like they post the bonus on the 20th of every month. Me and my wife both recieved our bonus with the same address.

    Account open 2/16
    1st tax return DD 2/28
    2nd tax return DD 3/3
    Bonus post 4/20

  157. Ryan says:

    Bonus was just posted. I seem to have been able to get the bonus with only ONE direct deposit. Either that or my opening deposit counted as a DD.

    These are my only transactions in the account:

    2/28/17 – $1000 opening deposit (coded as TELLER DEPOSIT)
    3/31/17 – $300 DD via payroll
    4/3/17 – $300 transfer to Ally
    4/20/17 – $200 bonus posted

  158. james says:

    In case you don’t have a branch nearby and want to ACH your deposit out, you have to wait 90 days…

    “I notice that you are a new customer and I would like to welcome you to BMO Harris! I apologize for any inconvenience, however the external transfer feature will not become available for you until your account has been open for 90 days.”

    • sam says:

      I ach’d my bonus deposit out well before the account has been opened 90 days. Link your BMO account from another external checking account.

  159. th0r0bred says:

    Obvious Newbie here, so kindly skip if this request annoys you and thanks for the more experienced ones here for reading and helping… Tried to apply online and got this message:
    Thank you for your new account application! Unfortunately, we are unable to approve your application. You may be able to open an account by visiting a branch or applying over the phone at 1-877-563-3736………………….
    Not sure if I would get approved by phone or not, but my #1 bmotivation is to MS Amex on my new Plat card and could have for 2k. The promo runs until the 28tt. I just opened a PNC yesterday and a Bluebird and Serve last week so maybe I am maxing my Check Auths? I am MOST Interested in finding a convenient way to MS AMEX, but getting the $200 bonus is of course nice, which is why I applied for this particular offer.. What would you do in my situtation– 1) try again on 4/28 with a different browser, maybe better results? 2) just call the number and see if they’ll open my account and smile that I get the chance for $200 and wait a few weeks to apply to another bank that has a good fund with Amex offer? 3) Skip 1 and 2 and wait (x time– and please give guidance on x) to apply again for a different offer since my most important criteria is to MS for Amex. Again thanks for the read and the consideration. Cheers and good luck to you.

    • EO says:

      I would try applying over the phone. It was only recently that BMO even allowed online applications at all, so it may be that their process is still finicky. I also don’t see any risk in trying to call. As someone who has opened 25+ bank accounts in the last 12 months, I am very skeptical of the effect that chex systems inquiries have on being able to open future accounts.

    • JuicyJosh says:

      +1. Keep in mind credit card funding may not be available over the phone but I think at least one DP has come back positive on that.

      • th0r0bred says:

        EO/JuicyJosh Thanks. I should have included that I did call, but the person I spoke to had to transfer me to another number and assured me that CSR had no capabilities to do CC funding via phone. I also learned this the hard way dooing a PNC account open at bank yesterday where I requested CC to open and they told they could open and I could then complete at home– werll, no, oh well… Also, I know from prior work experience that businesses will intentionally limit the capabilites they provide CSRs to “limit the damage”, if you will, so it’s no surprise to me that CC capability is not something CSR can do, which makes you wonder how the other person with the PP did it– Mgr Override? who knows. Still it helps for me to know that with your experience doing the # of chex inquiries you do, that regardless what happens with this transaction, it should really be a non-issue for me for my future Bank Acct Opening? MS endeavors. Thanks again!

  160. Jeff G says:

    Any other DP’s on whether Capital One 360 triggered the bonus? I see that it worked for one person, but not for the other. Also if Wells Fargo triggered, no DP’s on that yet.

  161. Phil says:

    Noob question, but how do you know if an external transfer counts toward the direct deposit credit?

  162. Cicero says:

    Amex Hilton Surpass coded as a purchase.

  163. Mackensie Larson says:

    Anyone confirmed that Discover works?

    • QT says:

      I pushed two from Discover Checking with the last one completed 4/12 but have yet to receive bonus. I’ll wait a couple more weeks and if not posted probably will try something else.

  164. kingoftheblues says:


  165. Johnny says:

    Just opened my account. Definitely one of the easier account opening processes I’ve experienced. The UI was a bit laggy but did everything in Internet Explorer as recommended and it was seamless. Approved right away, funded $1k with the AMEX personal plat and money was credited right away to the new account. Already have access to online banking and access to the account number.

    Using 071025661 as the routing number so already have the information needed for direct deposit.

  166. kt says:

    Tried to fund with US Bank Business Edge Cash, got declined because it was posted as Cash Advance.

  167. Srini says:

    Any update/input on how non-citizens can open this account, please?

    Thanks in advance for your kind inputs

  168. Jags4186 says:

    Coded as purchase AMEX Blue Cash Preferred. Before I get yelled at I took an upgrade offer for $150 after $1000 spend. Got $150 bonus and downgraded back to Blue Cash Everyday.

  169. Gina says:

    Has anyone been able to open an account. I’ve been trying since yesterday, different computers and different browsers, and the page just keeps erroring when I click on open account. “This site can’t be reached”

  170. ajpl says:

    DP: tried to open a second Statement Savings to MS another $1k on 4/27. Checking/Savings/Money Market originally opened and funded on 4/10.

    Received this email this morning:

    “Thank you for your new account application! Unfortunately, we are unable to approve your application. You may be able to open an account by visiting a branch or applying over the phone at 1-877-563-3736.”

    I plan on closing my Statement Savings and trying again after 30 days from the original account opening. Will report back.

  171. douggiefresh says:

    I forgot to apply for this yesterday (supposedly the last day of the deal). Do you think they’d be cool and still honor the $200 bonus?

  172. Nab says:

    Seems like this bonus is dead now (April 30th)

  173. Taylor says:

    Data point that ACH from Ally to BMO Harris does not work. Codes as ACH DEPOSIT WEB ALLY BANK P2P and from 6 April 2017 to now, 1 May 2017, no bonus posted.

    Trying Discover next.

    • Phil S says:

      A recent Discover ACH push that I did also was coded as P2P. In my experience, P2Ps do not trigger DD requirements.. but we will see

      Trying a push from a few other savings accounts

  174. Zach says:

    Funded via Chase Marriott 4/28 coded as purchase

  175. NT says:

    Funded with CSP on 4/28, coded as purchase today 5/1

  176. Gina says:

    Here is how Ally and Capital posted. I did two capital one’s on 4/27 and 4/28. No bonus yet. Anyone think the Capital One might work?

  177. DirtyLilRat says:

    This is heart-breaking. I applied online a week before the deadline, got the “please call us” message, and the lady told me that if I proceeded to open the account over the phone, I’d likely not get it opened by the promo deadline.

    She recommended I wait to see if it gets renewed… and here we are….. Dead and UN-renewed.

  178. Robert says:

    Trying to see what triggers DD. Recent attempts:


    ACH DEPOSIT WEB DISCOVER BANK P2P (Discover savings)

    Of course, I was bummed to see the P2P at the end. Trying with Alliant next. If that doesn’t work, I’m giving CO360 a go.

  179. KP says:

    Discover needs to be removed from the list of bank that works for BMO.
    As many mentioned, showing up as follows.

  180. HL Holt says:

    Has anyone been able to confirm that Schwab works? I tried Discover and it doesn’t appear that is working.

  181. chaseaholic says:

    Just chatted with them and apparently no promo attached to my account. Can’t tell if this is just BMO being BMO or if actually no promo.

    I’ve heard dp’s of no bonus until 5 weeks later but others it’s been much quicker. Thoughts on how long it would take, anyone?

    • Sam says:

      +1 called them said no promo on account following up tomorrow….

      • Devon says:

        Did either of you find out more?

        • Sam says:

          Was told they would call me today to follow up, no call so i called them told me i have to call my main branch on Friday and speak to a banker…

        • chaseaholic says:

          called 877-563-3736

          rep confirmed that bonus is attached to my account. I think my case just BMO being BMO.

          I’ll be the sacrificial lamb to see if schwab still works.

  182. Kyle says:

    Quick note….

    Looks like the bonus will be deposited roughly 120 days after opening. Per terms, “Your account must be open and in good standing when the bonus is paid approximately 120 days after opening.”

    Not sure if they mean that, or if they’re just saying it, like most other banks that pay out bonus early.

    • Kyle says:


      My want to update the post. Best way to avoid fees is the “Smart Advantage” account. no monthly fee as long as you sign up for eStatements. With paper statements, only a $2/mo fee.

      • Gina says:

        Will they let us convert to Smart Advantage? Would be nice to not have to do a direct deposit for the next six months to keep it fee free.

    • Jeff G says:

      From comments in this thread, they mean it. This is not Wells Fargo or Cap One, 120+ days is the norm.

      • James says:

        Really? Most of the DPs in this thread are of people getting paid on the 20th of both March and April. I’m assuming they just do batches on the 20th of each month.

        • Jeff G says:

          My bad, I looked a bit closer and hopped over to reddit. Seems to be only a few people who have reported the bonus, roughly half showing 120 days, the other half not.

          Sorry about the shoddy research.

          • Jeff G says:

            But I would go in with the expectation of 120 days. I only applied on March 26th, of course hoping for less than 120 days.

  183. Luke says:

    Robinhood trial deposits coded as


    With PPD in the name, Robinhood should end up triggering the DD.

    • Charles says:

      I didn’t read the fine print and have only been making $250 employer deposits for the first 70 days of the account being open. I thought I was screwed because I only have 1 payday between now and the 90 day mark until I read this comment. Really hoping this works! Thank you!!

  184. mike says:

    Did anyone get invalid request, when click submit on second page ?

    • ajpl says:

      Yeah, I’m also getting “invalid request” after filling out Step 2: Personal Information. My best guess is that it’s erroring out because I’m applying for a second account associated with my home address. (I’m applying for SO and I already have an account.)

      • ajpl says:

        Also, I’ve tried literally every browser in existence on multiple computers/operating systems in multiple locations. Invalid request, every time.

        Anyone else having this issue?

    • ajpl says:

      Okay, after tinkering with this a bit, it seems that I was getting “invalid request” because I was putting “Self-Employed” in the Employment box. I tried switching it to Other, Homemaker, Employed Full-Time, etc. and all of them allowed me to move to the next page. Self-Employed always generated an error.

      Not sure if that helps you but it may be worth tinkering with your app info. I’m going to try Other and I guess clarify over the phone later?

  185. escot says:

    Successfully opened a BMO Harris checking account last time around — the opening all went well, and funded with Bank of America Amtrak cc too. Received free checks even.

    But one huge negative has developed for me, involving the lack of ATM functionality for making deposits. Yes, very nice that BMO Harris uses Allpoint network, but at least here in Virginia, those All point ATM terminals are ONE WAY only, as in cash withdrawals only. Really irritated me. Yes, I know, I can fuss around with the camera/cell, pictures and upload checks, but what a pain.

    I called BMO reps twice about this — and while seemed surprise, none were helpful with offering any solutions. Anybody know of one?

    • Rahul says:

      Wait, you’re saying it’s more work to snap a picture (“fussing around”? lol!) of your check and upload it, than driving over to an ATM to deposit the check? I’m sorry, but you might find that you’re in the minority on this one.

      Most people on this site are just signing up for the bonus, not to use this as their primary account. Your solution might be to use switch to a different bank that has ATMs that accept checks in your neck of the woods.

      • escot says:

        I deserved that Rahul. 🙂 I took it as encouragement. I got over my phobia of mobile checking….. and it works really well (and reliably.). Like too dealing with BMH reps on the phone and even on line. (they were quite reassuring and as detailed as I needed) This is but a “secondary” account for me, yet I do use it a bit to help keep certain ms activities out of “home” checking.

  186. Sam says:

    Can I open an account and get the bonus if I had opened the account recently but was closed by BMO because I was too lazy to mail in the signature card? I didn’t receive the bonus when I opened the account

  187. El Guapo says:

    Regarding the new, online version of this offer (no phone or branch visit needed), anyone know if there is a household limit? I don’t see any language to that effect.

  188. J.M. says:

    The checking accounts mentioned on BMO’s website don’t match up with the Doc’s description.

    Which account are most people choosing, if we don’t intend to use the account very much, other than to secure the bonus/fund it?

    Smart Money or Smart Advantage?

    Smart Advantage seems to have no monthly fees to avoid, other than for statements, which can easily be avoided by getting e-statements.

    • J.M. says:

      86 that – I see the doc recommends the Smart Advantage. I was thrown off by the mention of the $12 waiveable monthly fee, which I couldn’t find.

      I do have the same question about the savings accounts that BMO offers – any suggestions on that? I can’t seem to open the link on their site that provides info on how to get that fee waived (or what the fee even is).

      Mainly want to open the savings b/c I need to spend another G on my SPG card.

    • Post should be clearer now

  189. Chris says:

    I’ve heard US Bank is MS-sensitive. Any thoughts on whether it’s prudent to put $1k in CC funding on my new Altitude Reserve to help meet that $4.5k min. spend? Curious about folks with past bank account CC funding DPs w/ USB.

    • J,M. says:

      since that card is so new – there are likely few DPs on whether it will process as a CA or a purchase. I guess you could look to how other USBank cards have processed as a guide.

      • Chris says:

        Your point about CA is a good one that I glossed right over – I was inquiring more about whether USB would generally take issue with CC funding as ‘fraudulent’ MS activity, but both are good questions here.

        • Saturn says:

          You don’t have to worry about this transaction being fraudulent. Funding a bank account is not fishy. If your new card is still interest free for cash advances you have nothing to lose. However, if you check your card statement online later and see that it did NOT code as purchase you have gained no ground in your minimum spend.

          Take the plunge and post your experience, either way. I suppose you are no candidate for the PNC? They have the most generous CC funding. The problem is the dearth of DPs for USBank cards across the board.

    • BN99 says:

      I funded $1000 with altitude reserve on 5/9 and it posted as a purchase and I didn’t get shutdown. I have been doing normal spend, no VGC.

  190. john mccann says:

    Available nationwide. Got that. Their site says the code will automatically be applied when applying online. No code shows up in the small rectangular box. Do you still need an email from them to qualify?

    • J.M. says:

      I emailed just to be sure – then used the code from the email in the Promotion Code field.

    • El Guapo says:

      It shows the code if you proceed to the second page of the online process and then go back to see the first. So, it does automatically apply the code, but only after you move to the second page.

      • TJ says:

        When I opened my account I didn’t see a promo code because it says it’s automatically applied. I never clicked the back button. Should I be worried? I took them for their word that all I need to do is click the button and open the account.

  191. Jason says:

    Does this mean it won’t require a call with a bunch of questions? Wondering as my wife doesn’t like doing that sort of stuff. And I had a 10 min call with a rep after opening my account with the last offer.

    • EO says:

      In my experience, all 6 accounts I have opened with BMO (checking, savings, money market) required this phone call. Although I don’t know what would happen if you didn’t call in. I’m in the same boat with a reluctant wife, but I was able to convince her to do it.

      • lingua says:

        If you don’t mind putting on an act…i just call in as my wife. She’s not reluctant but just doesn’t have the time. Yes I use my best she voice and by now I know all her info by heat. I generally dislike doing it but its worth the end. This all with her permission of course.

  192. Joshua says:

    Great. This time they don’t give me BS identity questions, but now they deny me based on my Chex score which was low due to inquiries.


  193. V says:

    I got a targeted mailer for $300 checking/$200 savings promo for this.

    The requirements for checking are the same as this one, and it’s $10k for 90 days for the savings.

    It says to bring the brochure to a branch but also has a promo code attached to it.

  194. Tom says:

    Applied online, took all of 12 minutes
    Promo code auto populated and was there after i hit back button one time
    Did not get the which street is closer to me question
    Funded with $1K on Chase SW Premier Visa
    Got account number, routing number, and online user id
    Able to print signature card
    Used firefox browser
    Instructed to call and complete bank profile (assume this is standard for everyone)
    Couple places it has links to download Adobe Reader, don’t click those links unless you have to.
    Thanks DOC

  195. Andrew S says:

    Did two offers for myself and a relative:

    I did one Ally transfer and one Dwolla disbursement beginning of April. No bonus.

    For the relative, I did two Alliant transfers on 4/7. Posted as ACH DEPOSIT PPD Alliant CU. ONLINE WD. No bonus.

    Next going to try two Discover cashback ACHs.

    • LC says:

      When did you open the account? It says it can take 120 days to get it and in my experience it will take that long

  196. Kristian says:

    Ugh. Here is another DP of someone who “failed” the online security questions despite (because of?) answering them correctly.

    Has anyone had success waiting a couple of weeks, or a month, then trying again online? or is a telephone call (without CC funding) the only remaining possibility?

  197. Leroy says:

    Anyone had 360 or chase transfer count as DD?

    • dan says:

      xfer from 360 shows as PPD; whether that will count as a qualified DD is another question; anyone recently received the bonus with the push from 360?

      • David says:

        A quick page search for “360” shows at least 2 DP’s of the bonus posting from Cap 360 transfers working.

  198. Chris says:

    Anyone think Robinhood will work as DD?

  199. BB says:

    I was able to close the account by sending a message through BankMail. I had already drained the account via ACH.

  200. ajpl says:

    Got auto-declined after failing the goofy verification questions. Anyone know how long you have to wait before you can reapply after this happens?

  201. Nopers says:

    I just closed my account by phone with no early termination fee and no revocation of the bonus. I’ve had it open for about 3.5 months. The rep on the phone at first thought it was 120 days, but, after going and checking something or talking to someone, she said I was good to go. It is an “Everyday Checking” type account.

  202. Jimit Shah says:

    every time i try to signup the bank is declining my application. I am not sure why? Any ideas?

  203. Irshad says:

    DP: Discover bank ACH DOES NOT work as DD.
    It shows clearly on the BMO account transactions as P2P.

  204. JL says:

    Applied for the account. Had to send in DL & utility bill. Then got a call to verify some information, and on the same call confirmed account opened. Provided rep credit card to fund $1000 (awesome!).

    Account number is shown on the account page, but had to contact CS via chat to get the routing number. Got the same routing number as mentioned earlier in other comments.

    Looking forward to triggering the bonus with actual DD from paycheck.

  205. PJ says:

    Applied online. Funded with Citi AA $1,000 and coded as purchase

  206. jcb says:

    DP: Mac Safari browser did not work for the signature form. eChat rep said that “online form has not been working” and is mailing me one. Seems silly they can’t just email a direct download link.

    In addition, I was told that you cannot add an external bank account for the first 90 days. Equally ridiculous, since how do they expect people to easily transfer in funds? Will try linking the account from my different bank rather than in the BMO Harris system.

    • JuicyJosh says:

      Yes, do it externally for the DD. I linked 360, Ally, and Fidelity with no issues.

      • jcb says:

        Good to know, thanks. What are you going to try for the DD? I thought transfers didn’t seem to be working. Was going to do a real DD

        • JuicyJosh says:

          Thread comments say 360 works. Did that on both accts. Also did Fid on mine to see how it appears (PPD, not P2P). Ally connected just because it’s my main hub account but doesn’t appear to trigger bonus.

          • jcb says:

            Ah missed that – too bad I closed my 360 account a few months ago. Looks like DP is not 100% confirmed though.

  207. DirtyLilRat says:

    So did Wells Fargo work to trigger the bonus?

  208. Frankztc says:

    DP: If you are resident allien and not US citizen, you cannot apply online but via phone. I Applied via phone successfully but CC funding is not available via phone.

    • LionCourtRocks says:

      Same. I successfully applied over the phone but was told no credit card funding.

      • LionCourtRocks says:

        To clarify, I’m not a resident alien, but a US expat living abroad. I couldn’t apply online as it kept coming up with *invalid request* so applied over the phone.

      • The DJ says:

        My husband and I are PR (Green Card holders, so resident aliens), the CSR on the phone told him to just select ‘US Citizen’ on application and it will go through. When you sign the ToC, you will be confirming you are a US Person – which you are. He was able to do this successfully and fund with a CC. YMMV – you may want to call and confirm like we did before proceeding.

  209. MrsWolfe says:

    Tried to apply online today. Promo code did not auto-populate so I signed up and they emailed me a code, which I typed in. Then I got timed out of signing up because I was at work and had to do work stuff. Then I tried again and my browser froze up on the signature screen, so I wasn’t sure if it went through. Tried it again and it says I already have an application pending, so I assume it went through, but I have no account number or any way to access it. I emailed customer service about this and am waiting to hear back.

  210. Ferris says:

    Just a datapoint for closing money market/savings accounts:

    Online chat refused to close my account and said I had to sign a letter they mail me and return it. I tried 3-4 times. However, when calling by phone, I was able to cancel those 2 accounts and keep the checking.

  211. Ben says:

    is there anyway to get the account without having to mail in the signature form? maybe faxing it or emailing it?

  212. TJ says:

    Just as another DP, I funded my account with $1000 with my Citi Doublecash and it did not code as a cash advance.

  213. Robert says:

    I wonder if it is possible from the Everyday Checking to the Smart Advantage Checking? The bonus has not hit yet, so I am hesitant to try…

  214. Sheri says:

    DP for BMO Harris DD: Schwab BROKERAGE* acct ach transfer coded as PPD

  215. Gina says:

    I opened when it was the everyday checking but am expexting my bonus soon. Can I switch to BMO Smart Advantage Checking to avoid the monthly fees?

  216. Jason says:

    Logged into my account just now, says “closed” debited the balance in the account as a check to me. Looks like they are looking at the accounts now. I did transfers into it via Discover, when that failed I did schwab. Only one of them posted, then they closed it.

    • Dan says:

      WTF? Why would they close it?

      • Jason says:

        I completed my signature card, they emailed me they got it. But when I did a chat with them today they said I didn’t complete “all the paperwork” and didn’t explain what I was missing or why they didn’t contact me about it. I never spoke with them on the phone, not sure if that was the issue. But they said they won’t reopen it.

        • Stack101 says:

          It has nothing to do with ACH pushes, if you have never called to complete your bank profile, that’s why, it is stated at the end of application and separate email sent to remind “This must be completed within 30 days of opening your account, or your relationship with the bank may be terminated and your accounts closed.”

    • Auggie says:

      When did you open the account? Did you send in the signature card and complete the account opening phone questions?

  217. ajpl says:

    It’s now the first business day after the 20th—any DPs of bonuses rolling in today (or on Saturday) for people that did some sort of external transfer?

    Nothing for me w/ Schwab Brokerage PPD, so looking like I may have to turn to employer DD on this one.

    • CMB says:

      I completed DD requirements via payroll on 4/21, still no posting of bonus as of today.

    • James says:

      I finished requirements on 05/05 with payroll DD. I was too paranoid to ACH since BMO seems pretty incompetent lol. No bonus yet.

    • Rob says:

      Opened account 4/25 and finished DD requirement 5/15 through actual payroll, also have not seen the bonus as of tonight (5/22). Honestly not in too much of a hurry though since I really opened my accounts to generate spend on my new Amex SPG business.

  218. scott says:

    As a data point I funded my new account with $1,000 with my Capital One Venture card and it went through as a purchase.

  219. Avery says:

    I applied for this account and I got the $200 bonus after only 1 direct deposit (ACH from Cap One).

  220. bmanamex says:

    New DP: Vanguard Brokerage works to trigger bonus
    3/13 – Open Account
    5/23 – Bonus Pending

  221. tinker25 says:

    payroll DD, 4/7, 4/21, no bonus yet. Not sure if it is due to a cutoff date?

  222. Jay says:

    opened a new account 2 weeks ago and just tried to do a bill pay for over $1k, the system said this was over the transaction limit and that they would have to mail a check for the bill, has anyone else experienced this?

    • Laura says:

      I gave up when they insisted on sending a check for even a $15 bill pay.

    • Mimi says:

      I just did an ACH pull from the CCs I’m paying a day or two after work DD posted and there were no problems on both ends. My issue was late posting of bonus which I had to fight for and soon as I got it, I closed the account.

  223. James says:

    Just a side note, Wells Fargo might work to trigger the bonus. I just did a $500 transfer for the monthly deposit requirement on the everyday account and it coded as “PPD Wells Fargo”. I can’t tell myself if it would work or not because I already did 2 legit payroll DDs but both of them coded as “PPD”.

  224. Jimmy Kang says:

    Can we open multiple BMO checking accounts without the bonus and link it together? Want to use it for MS.

  225. Gina says:

    Well darn. I thought Capital One triggered the bonus but nothing still. 4/25 was my last dd.

  226. Laura says:

    Easiest closure yet. I waited the 6 months, transferred the balance out last week, SM asking to close but they said they can’t close that way and to chat in, asked chat and they closed it. Don’t call, don’t SM, just chat!

  227. Josh M says:

    My Bonus just posted ACH from Discover for DD requirement.

    • Max says:

      That is super! When did you make the DD?

    • dan says:

      no bonus after doing 2 DD from Cap360; will try Discover & hope it will be posted

    • goodguys21 says:

      Thanks for DP. how did you transaction showed on account ?

    • Jeff says:

      Wow…I opened in March and have done 2xCapOne and 2xDiscover, and neither sparked the bonus. I’m doing two pushes from Robinhood now to see if that will do the trick. Glad it worked for you!

      • Jame B. says:

        It appears that BMO is slow to post bonus after DDs.

        From the DPs, Cap 360, Vanguard, Schwab, and Discover seem to work. And it looks like some YMMV with these DPs.

        What is Robinhood?

        • Jeff says:

          Robinhood is an investing app. I’ve seen it used sparsely to act as a DD, so I’m giving it a try. The test deposits coded as ACH, not P2P, so I’m hopeful these will work. There are a lot of little tricks if you decide to try it, so do your reading first.

  228. diomaiuti says:

    I finally got this account opened (on either 4/20, approval online or 5/23, date initial deposit posted, and which shows as the open date when I log in) and would to get cracking with DD’s. Unfortunately, I seem to have lost any record of the correct routing number. Anybody have it handy?


  229. ray says:

    Got three PPD in by 5/19 from various known working external inbound ACH. Still no bonus.

  230. MontyFC says:

    Not a US citizen and so I called the number to open the account. The representative said that as long as I am currently in US/Canada, have SSN and are a US person (resident or citizen), I should open it online. That’s what I did and successfully opened the account w/ CC funding.

    • MontyFC says:

      Also, when generating the code online I was issued “MOMAY17CHK200”. “flexcode06” was no longer acceptable in the online form.

      • Jeff H says:

        Both codes are now outdated. Best to use the direct link and have a code emailed to you. When I did that, online process was very smooth. Fidelity Visa funding $1000.00. Be sure to print out the signature card
        I still have to call in for some kinda Profile Interview. Not sure what to think about that.

    • jash says:


      Did you select U.S. as country of citizenship when you opened the account? I only see 2 options available, U.S. and Canada.

      • MontyFC says:

        I selected US option. When I called in, they asked me to select that as long as I am a US resident. Someone else also posted similar experience recently.

        Accounts were opened with no issues both for me and SO.

        • jash says:

          Thank you. I contacted the call center and they told me I could apply online as long as I had SSN. I applied and got approved for the Citi AA card today. Will use that to fund checking and savings accounts.

        • Radar says:

          One of the rules of USCIS is not claiming you are a Citizen when you are not but a resident. IF USCIS pulls your records a finds out that you claimed to be a citizen, you will be in trouble. Why risk your immigration status and future naturalization by lying for a bank bonus?

  231. CongestionCharge says:

    Will chase flag me for using a new CSP to fund this while trying to meet minimum spend?

  232. Bob says:

    I keep getting an error message when I try to submit an application online. Anyone else having the same problem? I have been trying for a week now. Looks like I may have to call to get an account.

  233. dan says:

    about ETF, appears that all the new accts now show $50 fee instead of $20

  234. Gina says:

    I did Capital One on 4/27 and 4/28 and still nothing.

  235. Ma0Zed0ng says:

    (Data point) Delta Skymiles codes as: Business Services – Banking Services
    So it does not count as a cash advance!

  236. Jeff H says:

    I pulled the trigger and signed up June 4, 2017 using my Fidelity Visa for $1000.00.

    Enter you email to acquire Promo Code which was different than commonly posted:

  237. Devon says:

    Not seeing much DP’s on bonuses. My 2nd DD posted on 5/15. how long after that should it be? I didn’t see anyone saying 90 days from completing the requirement or any real timeframes.

    • JuicyJosh says:

      You have a long way to go…. I wouldn’t​ anticipate it before July 20th. August 20th more likely. Either way past DPs are bonus hits on 20th or business day surrounding.

  238. Mimi says:

    I opened my account 3rd week of Feb with no bonus yet so I opened chat to inquire about status of my promo bonus. I was told it will be exactly 120 days when they received my initial deposit and the signature card. I asked for assurance that my bonus will post