|Bank||Name||Bank Bonus||Minimum Deposit||Direct Deposit||Expires|
|Axos Bank||High Yield Savings and Essential Checking||$100||n/a||Yes||5/31/21|
|Axos Bank||Basic Business Checking||$100||Yes||No||6/30/21|
|Axos Bank||Business Interest Checking||$100||Yes||No||6/30/21|
|Aspiration||Aspiration Spend & Save Account||$100||n/a||n/a||n/a|
|Chase||Chase Business Complete Checking||$300||$2,000||No||7/23/21|
|HSBC||HSBC Premier Checking||$450 welcome deposit or 3% cash bonus, up to $600||n/a||Yes||6/30/21|
|SunTrust Bank||Checking & Savings Combo||$500||Yes||Yes||6/30/21|
|TD Bank||Beyond Checking||$300||n/a||Yes||8/03/21|
|TD Bank||Convenience Checking||$150||n/a||Yes||8/03/21|
|Associated Bank||Associated Choice Checking||Up to $500||$100, and sign up for Associated Relationship Savings with a minimum deposit of $25,000||n/a||n/a|
|Citibank||Citi Priority Account Package||$700||$50,000||n/a||6/30/21|
|PNC Bank||Business Checking||$200||n/a||n/a||6/30/21|
|PNC Bank||Analysis Business Checking||$500||$100||n/a||6/30/21|
|PNC Bank||Virtual Wallet Checking Pro with Spend, Reserve & Growth||$200||n/a||Yes||6/30/21|
|PNC Bank||Virtual Wallet Checking Pro with Spend||$200||n/a||Yes||6/30/21|
|Huntington Bank||Asterisk-Free Checking||$150||n/a||n/a||7/07/21|
|Huntington Bank||Huntington 5 Checking||$200||n/a||n/a||7/07/21|
|Bloom||Checking & Savings||$300||$500||Yes||6/23/21|
|Stanford Federal Credit Union||Checking Account||$100||$5||Yes||n/a|
|Stanford Federal Credit Union||Checking & Savings||Up to $500||$25,005||Yes||n/a|
|BMO Harris Bank||Essential Business Checking||$200||n/a||Yes||5/31/21|
|BMO Harris Bank||Business Advantage Checking||$500||$25||Yes||5/31/21|
|Fifth Third Bank||Checking Account||$250||$0||Yes||6/30/21|
*These offers are updated periodically and are accurate as of May 2021.
Best Bank Bonuses and Promotions (May 2021)
Opening the best high-yield savings account or one of the best money market accounts is a good move when it comes to your financial stability. Having somewhere safe to store your money and potentially earn interest on the account balance is one of the first steps in setting yourself up for financial success.
But why open a personal checking account or a savings account when you get nothing in return? After all, banks should be competing for your business. As a result, there are lots of big bank bonus offers for new customers who are willing to try a new financial institution.
Bank bonuses are a risk-free way to earn money with your unused cash. However, earning bank bonuses for opening personal checking accounts and savings accounts does take effort, especially when you’re working with multiple banks. This guide to bank bonuses can help you hit your goals and stay organized.
Axos High Yield Savings and Essential Checking: $100
New customers can earn a $100 bank bonus when opening both a High Yield Savings account and Essential Checking account, which is the bank’s free checking account. Simply apply the promo code GET100 when opening your new accounts with this affiliate link. Read our full reviews of High Yield Savings and Essential Checking.
To qualify for the $100 Axos bonus:
- Open your new accounts and apply promo code GET100 before midnight on May 31, 2021
- Open a new Essential Checking and High Yield Savings at the same time
- Have direct deposit totaling at least $1,000 to your Essential Checking account within the first 60 days of account opening
Your bonus will be deposited into your new checking account within five business days of your third statement cycle date. Accounts must remain open for 180 days or an early closure fee of $50 may apply. Additionally, you must fund your new account with new money to receive bonus credit. New money is defined as funds that did not originate from another Axos Bank brand account.
Terms and conditions are subject to change without notice. You bank bonus may be taxable and reported on IRS Form 1099-MISC. Also, the bank reserves the right to limit each customer to one new account-related gift incentive per calendar year.
Axos Basic Business Checking: $100
Axos Bank is an online bank that offers both personal and business banking products. You’ll earn $100 when you open a new Basic Business Checking account by June 30, 2021 and keep an average daily balance of at least $5,000 for the first three months.
The new funds must be new money, which means if you already have an Axos Bank account, personal or business, you can’t simply transfer money to this one to make your initial deposit.
While the account doesn’t have a minimum balance requirement, you do need to meet one to get the bonus. Other perks of having the account include no monthly fee, unlimited domestic ATM fee reimbursements, up to 200 free transactions per month and more.
It’s important to note that there’s a $50 fee if you close your account within the first 180 days from account opening. Read our full review of Basic Business Checking.
Axos Business Interest Checking: $100
If you’ve incorporated your new business after June 1, 2020, you can earn a $100 bonus when opening a new Business Interest Checking Account. Just use promo code NEWBIZ100 on your secure online application. Business must be incorporated after June 1, 2020 and application must be submitted before 11:59pm on June 30, 2021 to qualify.
Additionally, in the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the $100 bonus.
Business Interest Checking offers an impressive APY of up to 0.81% on your deposits. Here’s how the tiers work based on your balance amount:
- 0.81% if your balance is between $0 and $49,999.99.
- 0.50% if your balance is between $50,000 and $249,999.99.
- 0.20% if your balance is $250,000 or more.
The account’s monthly maintenance fee is $10, but you can get it waived if your average daily balance is at least $5,000. Read our full review of Business Interest Checking.
Aspiration Bonus: $100
Aspiration is an online bank that offers incredible benefits on two different tiers. And for a limited time, you can earn a $100 cash bonus when you open an Aspiration Spend & Save Account and fund it with a deposit of $10 or more. Then you’ll need to make at least $1,000 worth of transactions with your debit card in the first 60 calendar days.
Note that $1,000 in net purchases is required. So if you spend exactly $1,000, then get a refund on a purchase for $50, you’ll need to make up that amount with more purchases to ensure your bonus. Once you’ve met the requirements, you’ll receive the money in the form of a statement credit within 120 days of account opening, as long as your account is still open and in good standing.
As with any bank account bonus, the $100 will be considered interest income, so expect to receive a 1099-INT form from Aspiration so you can claim it on your tax return. Read Slickdeals’ full review of the Aspiration bonus.
Chase Business Complete Checking: $300
Qualifying for the $300 new Chase Business Complete Checking account bonus isn’t difficult. But there are a series of qualifying activities you’ll need to complete to be eligible.
To qualify for the $300 bonus you must:
- Be a new Chase business checking customer.
- Deposit $2,000 or more (total) within the first 20 days from account opening
- Maintain at least a $2,000 balance for 60 days.
You will also need to complete at least five “qualifying transactions” within the first 60 days of opening your account. Qualifying transactions may include any of the following:
- Debit Card Purchases
- Chase QuickDeposits (Make mobile check deposits through the Chase Mobile app.)
- Chase QuickAccept Deposits (Accept credit card payments through the Chase Mobile app.)
- ACH Credits (Additional fees of $25 per month for up to 25 payments may apply.)
- Wire Transfers (Both Credits and Debits)
Read our full review of Chase Business Complete Checking.
HSBC Premier Checking: Up to $600
From now until June 30, 2021, you can get up to $600 for opening a new HSBC Premier Checking account. You must open your personal checking account using the offer page online and set up qualifying direct deposits (salary, pension, government benefits or other monthly income). You also need balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. dollar deposit and investment accounts or monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account or an HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages.
You will then receive a 3% cash bonus, up to $600, on qualifying direct deposits, up to $100 per month, during the first six months of opening your account. You’ll receive the cash bonus approximately eight weeks after completing all qualified activity. You need to be at least 18 years old and have a Social Security number, along with U.S. residency for at least two years. The bank will do a soft pull of your credit. This offer is open to all U.S. residents. Read our full review of HSBC Premier Checking.
TD Bank Beyond Checking Bonus: $300
TD Bank is offering a deal for new customers that doesn’t expire. You’ll get a bonus offer of $300 when you make the required $2,500 direct deposit. You’ll have to make that direct deposit of at least $2,5000 within 60 days of opening your personal checking account. The qualifying deposit types include recurring electronic deposits of your paycheck, government benefits like Social Security from your employer or the government or your pension.
With a TD Bank Beyond Checking account, you’ll pay a $25 monthly maintenance fee unless you set up $500 in monthly direct deposits, have a minimum $2,500 daily balance or have a combined $25,000 balance across eligible TD accounts.
You can earn interest at tiered interest rates, get overdraft protection, receive free checks and bank statements and be eligible for rate discounts on home equity or personal loans. TD fees waived at any ATM, and non-TD fees reimbursed when you keep at least a $2,500 daily balance.
You can set up your account online at TD Bank’s website or in-branch at a brick-and-mortar location. Qualifying for an account only requires a soft pull and should not impact your credit score. Access your account 24-7 by logging into the website or using the mobile app. This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT and VA.
TD Bank Convenience Checking Bonus: $150
TD Bank’s offering another deal for customers that doesn’t expire: You can earn a $150 bonus offer when you receive direct deposits of $500+ within 60 days of opening your new account. Again, like with Beyond Checking account, qualifying deposit types include recurring electronic deposits of your paycheck, government benefits like Social Security from your employer or the government or your pension.
The monthly maintenance fee is $15, unless you maintain a minimum daily balance of $100 or you’re 17 to 23 years old. This is not an interest-bearing account, but online statements are free. You’ll get discounts on your first order of select styles of checks, overdraft protection and rate discounts on home equity or personal loans.
You can set up your personal checking account online at TD Bank’s website and use the mobile app or website to check your account 24 hours a day, seven days a week. Creating a new account only requires a soft pull on your credit. This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT and VA.
SunTrust Bank Combo: $500
SunTrust Bank is offering a $500 bonus to individuals who open any personal checking account and either an Essential Savings or an Advantage Money Market account. This offer is valid through July 30, 2021.
To earn this SunTrust bonus, you must complete two steps.
- Open any new personal checking account and complete at least two qualifying direct deposits totaling $500 or more within 90 days of account opening.
- On the same day, open any new SunTrust savings or money market account and deposit $15,000 or more within 30 days of account opening and maintain that balance for 90 days.
Accounts must be opened on the same day and with the same account ownership to be eligible for the reward. Amount of reward available is based on the balance through day 30. Offer valid from April 1, 2021 through June 30, 2021. For new checking, savings or money market clients only.
Enrollment in the promotion is required at account opening using promo code CHKSAVQ221. The reward will be deposited into the new checking account within four weeks of verifying all qualification requirements.
The amount of your cash bonus is based on the balance through day 30. If you close your account before this date, then SunTrust may seek to recoup the bonus cash from your account at closing. Otherwise, the deposit will be deposited into the new checking account within four weeks of verifying all qualification requirements. This offer expires on June 30, 2021 and is available to residents of AL, AK, GA, FL, MD, MS, NC, SC, TN, VA and DC.
Chime: $150 through Swagbucks
Chime is an online financial institution that offers banking products. While you can’t get a bonus directly through Chime, you can if you sign up for an account through Swagbucks. The offer is for $150 bank bonus. All you have to do is sign up for an account, download the Chime app to get your account information then set up direct deposit.
To get the $150, you’ll need to receive your first direct deposit within 30 days of your signup date, so don’t delay getting things arranged with your employer. There’s no minimum direct deposit requirement.
Even without the bonus, Chime is an excellent choice. The only account doesn’t have a monthly fee or overdraft fee on up to $100 of overdrafts. You’ll also get a high-yield savings account plus some other great benefits.
PNC Bank Business Checking: $200
You can open a PNC Bank Business Checking account and receive a $200 bonus. In order to qualify, you’ll need to maintain a minimum average cycle balance of $5,000 for each of the first three statement cycles plus maintain a minimum average cycle balance of $5,000 for each of the first three statement cycles. The new account won’t be eligible for the offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days. They also wouldn’t qualify if they had been paid a promotional premium in the past 12 months. There will be a soft pull of your credit to see if you can open an account. This offer is open to all U.S. residents.
PNC Bank Analysis Business Checking: $500
You can open a qualifying PNC Bank Analysis Business Checking account and receive a $500 bonus. There is a $100 minimum balance required to open the account. You need to maintain a minimum average cycle balance of $30,000 for each of the first three statement cycles as well. You will get the credit in your account within 90 days of qualifying. You need to have a Social Security number in order to apply, and the bank will do a soft pull of your credit to see if you qualify. Keep in mind that your account will not be eligible for the offer if you have signing authority on an existing PNC Bank business checking account, or you have closed an account within the past 90 days or you’ve received a promotional premium in the past year. The offer is open to all U.S. residents.
Huntington Bank Asterisk-Free Checking: $150
You can earn a $150 cash bonus for opening a qualifying checking account and making cumulative deposits of at least $1,000 into the checking account within 60 days of opening your account. You’ll need to provide your government-issued ID and your Social Security number. Within 14 days of qualifying, the bonus will be deposited into your account. Keep in mind that transfers from another Huntington deposit account won’t count as deposits, and the bank will do a soft pull of your credit in order to determine if you can open a personal checking account. You must be 18 years or older, a U.S. citizen, a resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia and open an individual or joint account. Read our full review of Asterisk-Free Checking.
Huntington Bank Huntington 5 Checking: $200
You can earn a $200 cash bonus for opening a Huntington 5 Checking account and making cumulative deposits of at least $1,000 into the new checking account within 60 days. The deposits cannot be made from another Huntington Bank account. The bank requires that you provide your Social Security number and a government-issued ID when applying for a personal checking account. The bank is going to do a soft pull of your credit as well. You must be 18 years or older, a U.S. citizen, a resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia and open an individual or joint account. Read our full review of Huntington 5 Checking.
Frequently Asked Questions About Bank Bonuses
How Do Bank Account Bonuses Work?
Many banks and credit unions offer introductory bonuses to incentivize people to sign up for a new personal checking account, money market, spending account or savings account. Depending on the financial institution, we’ve seen bank account bonuses ranging from $50 to $1,000. They’re often offered through limited-time promotions, both for checking accounts and savings accounts, and the requirements to earn one can vary. Here are some of the things you may have to do to earn one:
- Spend a certain amount on your debit card within a certain period.
- Sign up for direct deposit and meet a minimum deposit requirement.
- Deposit a minimum amount of cash and hold it there for a set timeframe.
- Make a minimum number of bill payments from your account within a set period.
Because there are so many different ways to earn a bank account bonus, you can pick and choose the accounts that you can earn easily. Plus, there’s usually no hard inquiry on your credit report like you get when you apply for a credit card. Instead, banks typically only require a soft pull on your credit report. However, bank accounts do get reported to ChexSystems, and if your ChexSystems report shows too many recent accounts, you may get denied.
Additionally, many banks may only allow you to receive one new checking account-related bonus per calendar year.
How to Avoid Monthly Fees?
A monthly maintenance fee is a fee charged by a financial institution to a customer if certain requirements aren’t met. For example, some banks may charge a monthly maintenance fee if your account balance is under a certain threshold.
Monthly fees aren’t common with credit unions, but they’re pretty standard with major banks. As you compare bonus offers, look at the account’s fee structure to determine how much you’ll actually earn. For example, new customers may get a $100 bonus on an account with a $12 monthly fee. What’s more, if you close the account within six months, you’ll forfeit your bonus.
If you can’t find a way to get that monthly fee waived — which is often possible — your actual earnings from the bonus minus the monthly fees are just $28.
A service fee is a fee charged to customers for something specific, such as a bank charging a service fee for using an ATM that’s not part of its network or a vendor charging a maintenance fee for making a payment with a credit card.
Also, remember that bank account bonuses are taxable as interest-bearing income. So remember to watch out for 1099-INT forms when you get ready to file your tax return.
Past Bank Bonuses
Perhaps you recently signed up for one of these best bank bonuses or you are comparing other current and historical bank bonuses. Regardless, we’ve archived the details for some of our most-popular bank bonuses for research purposes.
BBVA Free Checking and Savings Combo:
$250 (Expired: 4/26/21)
BBVA is now offering its popular $250 bank bonus, but you’ll need to act fast because this limited-time promotion expires on April 26, 2021. Here’s how the BBVA bank bonus works:
- $200 bonus for opening a new BBVA Free Checking account by April 26 and receive a qualifying direct deposit of $500 or more by June 30th, 2021.
- $50 bonus for also opening a new BBVA Savings account by April 26 and having a savings balance of $1,000 or more on June 30th, 2021.
The good news is that you can claim a $200 bonus even if you do not open a savings account. If you want the entire $250 bonus, be sure to select both offers on the promotion page. The promotion is only available to new BBVA consumer checking customers who have not held an account within the last 36 months. Also, the account must be open for at least 12 months, or BBVA may reclaim the bonus at time of account closing. The promo code, SBOL2021, is automatically applied during the application process.
HSBC Advance Checking:
Up to $240 (Expired: 4/1/21)
New customers can get up to $240 for opening a new HSBC Advance Checking account. You need to open your new personal checking account using the offer page online, set up qualifying direct deposits and then get a 3% cash bonus, up to $240, on qualifying direct deposits, up to $40 per month, for the first six months after account opening. You also need to have balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. dollar deposit and investment accounts, or a monthly recurring direct deposit from a third party to an HSBC Advance checking account or an HSBC U.S. residential mortgage loan.
Once you fully qualify, you’ll get the money in your account about eight weeks later. The qualifying direct deposits include salary, pension, government benefits or other monthly income that are made into your HSBC Advance checking account from third parties at least one time per calendar month. You must have at least two years of U.S. residency and be at least 18 years old in order to receive the bonus. You will need to provide your Social Security number so that the bank can do a soft pull of your credit. This offer is open to all U.S. residents. Read our full review of HSBC Advance Checking.
U.S. Bank Checking Bonus:
$100-$400 (Ended 4/1/21)
Through March 31, 2021, you can earn up to $400 with U.S. Bank based on your direct deposits. To qualify, you’ll need to open a new eligible checking account by March 31. Then you must enroll in e-statements by April 14, 2021, and also complete two or more recurring direct deposits over the following 60 days. Eligible U.S. Bank accounts include Platinum Checking, Gold Checking and Easy Checking.
Here’s how your bonus will be determined:
- Total direct deposits between $1,000 and $1,999.99 will earn $100
- Total direct deposits between $2,000 and $3,999.99 will earn $200
- Total direct deposits of $4,000 or more will earn $400
To open a checking account, you’ll need at least a $25 minimum deposit. Keep in mind, though, that each eligible account has a monthly service fee that ranges from $6.95-$24.95. However, you can get the fee waived if you meet certain requirements, which vary from account to account.
SunTrust Advantage Checking Account Bonus:
$500 (Ended 1/4/21)
SunTrust Bank is offering a $500 bank bonus to individuals who open an Advantage Checking account. The bank bonus offer is valid from October 1, 2020 through January 4, 2021. To earn the $500 checking account bonus offer, you must:
- Open a new Advantage Checking account online or in-person
- Complete at least $3,000 in direct deposits per statement cycle for two consecutive statement cycles in the first three months from account opening
Qualifying direct deposits include any type of monthly income deposited into your checking account by an employer or other outside agency. Individuals opening an account online must use the promo code Q420ADVANTAGE to qualify for this bonus. If applying in person, be sure to enroll in the promotion when opening your account. This checking account bonus is available to residents of the following states: AL, AK, GA, FL, MD, MS, NC, SC, TN, VA and DC. Read our full review of the SunTrust Advantage Checking account to learn how to avoid monthly fees and meet daily balance and minimum balance requirements.
SunTrust Bank Essential Checking Account Bonus:
$200 (Ended 1/4/21)
SunTrust is offering a $200 bonus now until 1/4/21. Here’s a detailed breakdown of the bonus offer, what you need to do to qualify and details of SunTrust Essential Checking accounts. To earn this SunTrust Bank bonus:
- Open a new Essential Checking account online or in person
- Complete at least $500 in direct deposits for two consecutive statement cycles in the first three months from account opening
Qualifying direct deposits include any type of monthly income deposited into your Essential Checking account by an employer or other outside agency. Individuals opening an account online must use the promo code Q420ESSENTIAL to qualify for this bonus. If applying in person, be sure to enroll in the promotion when opening your account.
Earning free money is great, but pay attention to the promotion’s fine print to ensure you meet the terms and conditions and avoid monthly fees around minimum balance requirements and extra costs like non-sufficient fund fees and out-of-network ATM fees. This checking account bonus is available to residents of the following states: AL, AK, GA, FL, MD, MS, NC, SC, TN, VA and DC. Read our full review of the SunTrust Bank Essential Checking account to learn more.
Chase Savings℠ Bonus:
$150 (Ended 1/7/21)
When you apply for a new Chase Savings account, you’ll need to enter a Chase coupon code to get the deal. Apply through the promotional page, and the Chase coupon code will be added for you automatically. Alternatively, Chase can send a coupon code to your email address if you want to apply later.
Then once your account opening is completed, you’ll earn $150 bonus after you deposit $10,000 or more in new money during the first 20 days, then keep that balance for at least 90 days. Once you’ve met those requirements, you’ll receive the $150 bonus within 10 business days.
Read our full review of the Chase Savings account for more details.
Chase Premier Plus Checking℠ Bonus:
$300 (Ended 9/30/20)
Chase is also offering a $300 cash bonus if you sign up for the Chase Premier Plus Checking account by 7/20/20. There is no minimum deposit required; all you have to do is open your account and set up direct deposit and make your first deposit within 90 days. You’ll then receive $300 in your account within 10 business days. The direct deposit must be an electronic deposit of your paycheck, government benefits like Social Security or a pension from your employer or the government.
There is a $25 monthly service fee unless you do one of the following each monthly statement period: maintain an average beginning day balance of $15,000+ in combination of your account and linked qualifying Chase checking account, savings account and other balances or link a qualifying Chase first mortgage and enroll in automatic payments from your Chase account.
You will earn interest on this account, and you won’t get charged fees for Chase design checks when you order them through Chase or your first four non-Chase ATM transactions per statement period. You can set up your account online at Chase’s website or in-branch. Applying for an account through Chase is a soft pull on your credit. Access your through their website or 24/7 with the Chase Mobile app. Read Slickdeals’ full Chase Premier Plus Checking bonus review.
Citizens Bank Savings and Checking Account Bonus:
$600 (Expired Offer)
Citizens Bank is offering an opportunity at not one, but three bonuses right now. Widely considered among the best bank bonuses, this trifecta can earn you up to $600 by opening both a savings account and checking account with Citizens Bank and other requirements. Read on to learn more about what you need to do to earn these bank bonuses, who qualifies for them and what kind of bank accounts you’ll find at Citizens Bank.
- Get $300 when you open a new One Deposit Checking account or a Citizens Bank Platinum Checking account and make a direct deposit of $500 or more within 60 days.
- Get $200 when you open a savings account with a minimum of $15,000 not currently on deposit with Citizens Bank and maintain that balance for 3 months.
- Get an additional $100 when you open both a new savings account and a new checking account.
As with many bank accounts and bank account bonuses, there are eligibility rules to qualify for the bonus offer as well as considerations like monthly fees or minimum balance requirements. Read our full Citizens Bank bonus review.
BMO Harris Bank Checking Bonus:
$100 (Expired Offer)
BMO Harris Bank will give you a $100 cash bonus when you open a new personal checking account and set up qualifying direct deposits. You need to make at least $1,200 in cumulative direct deposits of any combination of a paycheck, Social Security, pension or other government benefits electronically deposited into your new account from an outside agency or employer with 120 days of opening it.
You’ll also need to enroll in BMO Digital Banking and set up electronic statements. About 120 days after your qualifying direct deposits go into your new checking account, you’ll receive your bonus. There is a $25 minimum deposit to start the account.
With BMO Harris Bank’s personal checking accounts, you can receive benefits like unlimited transactions at 40,000+ fee-free U.S. ATMs, pay $0 for overdraft and get a $25 monthly rebate on ATM surcharge fees from other banks. The monthly fees range from $0 to $25. To sign up for an account online, visit BMO Harris Bank’s website.