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expired Posted by ekusa • Sep 30, 2023
expired Posted by ekusa • Sep 30, 2023

BMO: Open Checking Account w/ $7500 in Eligible Direct Deposits, Earn

$600 Bonus

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Deal Details
BMO is offering a $600 Cash Bonus when you open a BMO Relationship Checking Account and have a total of at least $7,500 in Qualifying Direct Deposits within the First 120 days.

Thanks to community member ekusa for sharing this deal.

Note, you can open a Relationship Checking account with $25.

Editor's Notes

Written by qwikwit | Staff
  • Review the complete terms and conditions here.
  • Checking Offer: Get up to a $600 cash bonus when you open a new BMO Smart Money Checking account, BMO Smart Advantage Checking account, or a BMO Relationship Checking account and have qualifying direct deposits of salary or other personal income such as a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party. We reserve the right to request documentation that the direct deposits qualify. Direct deposits process as a Debit Card credit or via Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers do not qualify.
  • Cash bonus is paid into the checking account approximately 130 days after account opening.
  • The monthly maintenance fee for the Relationship Checking account is $25. Fee is waived if any of the following is met:
    • The minimum daily Ledger Balance in your account is $10,000 or more for the previous calendar month.
    • You have a Monthly Combined Balance of $25,000 for the previous calendar month.
    • You're a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Banker.
  • See the forum thread for deal discussion and ideas.

Original Post

Written by ekusa
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
BMO is offering a $600 Cash Bonus when you open a BMO Relationship Checking Account and have a total of at least $7,500 in Qualifying Direct Deposits within the First 120 days.

Thanks to community member ekusa for sharing this deal.

Note, you can open a Relationship Checking account with $25.

Editor's Notes

Written by qwikwit | Staff
  • Review the complete terms and conditions here.
  • Checking Offer: Get up to a $600 cash bonus when you open a new BMO Smart Money Checking account, BMO Smart Advantage Checking account, or a BMO Relationship Checking account and have qualifying direct deposits of salary or other personal income such as a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party. We reserve the right to request documentation that the direct deposits qualify. Direct deposits process as a Debit Card credit or via Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers do not qualify.
  • Cash bonus is paid into the checking account approximately 130 days after account opening.
  • The monthly maintenance fee for the Relationship Checking account is $25. Fee is waived if any of the following is met:
    • The minimum daily Ledger Balance in your account is $10,000 or more for the previous calendar month.
    • You have a Monthly Combined Balance of $25,000 for the previous calendar month.
    • You're a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Banker.
  • See the forum thread for deal discussion and ideas.

Original Post

Written by ekusa

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Top Comments

Are you sure this relationship checking account is no fee? I see this on the FAQ for that account.

What is the monthly maintenance fee for the Relationship Checking account? And how can it be waived?
The monthly maintenance fee for the Relationship Checking account is $25. But we'll waive the fee if you meet any of the following requirements:
The minimum daily Ledger Balance in your account is $10,000 or more for the previous calendar month.
You have a Monthly Combined Balance of $25,000 for the previous calendar month.
You're a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Banker.
Relationship Checking has a $25 monthly fee if avg balance <$10k. $10k in a 5% savings account earns $41/mo. Better to park it there and eat the fee.
Here is math. For both options, no need to keep money in account, just withdraw it after DD.
1) Open relationship account with $25 fees, pay it for 4 months (assuming bonus payout on 130 day and grace period before fees kick in). After bonus payout, convert account to Advantage without any fees and maintain for 1 year. Net would be 600-100 fees = 500.
2) Open advantage account with $0 fees, meet terms, get 400. No need to change account type or other hassle.

In nutshell some effort for additional $100.

130 Comments

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Sep 30, 2023
732 Posts
Joined Feb 2008
Sep 30, 2023
hsanchez97
Sep 30, 2023
732 Posts
Could you just get the bonus then close the account?
1
Sep 30, 2023
748 Posts
Joined Jan 2007
Sep 30, 2023
takhyon
Sep 30, 2023
748 Posts
Quote from hsanchez97 :
Could you just get the bonus then close the account?
Based on what I've read on other similar offers, you should keep it open for at least a year.
3
Sep 30, 2023
932 Posts
Joined Apr 2006
Sep 30, 2023
Paupaaa
Sep 30, 2023
932 Posts
Quote from takhyon :
Based on what I've read on other similar offers, you should keep it open for at least a year.
The account is no fee and doesn't require and balance to be left in. As the previous poster said. Keep it open with a penny for a year and you'll be good
6
Sep 30, 2023
70 Posts
Joined Nov 2014
Sep 30, 2023
manojvaz
Sep 30, 2023
70 Posts
Quote from hsanchez97 :
Could you just get the bonus then close the account?
After 90 days with no penalty. If less, then penalty
Oct 1, 2023
328 Posts
Joined Nov 2010
Oct 1, 2023
jujubee02
Oct 1, 2023
328 Posts
Are you disqualified as an existing member if you had a bank of the west account? I never acknowledged this new bank or signed any paperwork as of yet
1
1
Oct 1, 2023
84 Posts
Joined Dec 2014
Oct 1, 2023
awong9970
Oct 1, 2023
84 Posts

Our community has rated this post as helpful. If you agree, why not thank awong9970

Are you sure this relationship checking account is no fee? I see this on the FAQ for that account.

What is the monthly maintenance fee for the Relationship Checking account? And how can it be waived?
The monthly maintenance fee for the Relationship Checking account is $25. But we'll waive the fee if you meet any of the following requirements:
The minimum daily Ledger Balance in your account is $10,000 or more for the previous calendar month.
You have a Monthly Combined Balance of $25,000 for the previous calendar month.
You're a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Banker.
4
1
Pro
Oct 1, 2023
3,198 Posts
Joined Dec 2008
Oct 1, 2023
qkumbr
Pro
Oct 1, 2023
3,198 Posts

Our community has rated this post as helpful. If you agree, why not thank qkumbr

Relationship Checking has a $25 monthly fee if avg balance <$10k. $10k in a 5% savings account earns $41/mo. Better to park it there and eat the fee.
3

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Oct 1, 2023
268 Posts
Joined Nov 2014

This comment has been rated as unhelpful by Slickdeals users.

Oct 1, 2023
1,280 Posts
Joined Jun 2004
Oct 1, 2023
brianlovesmoney
Oct 1, 2023
1,280 Posts
If you do the Smart Advantage Checking $400 offer there is no monthly fee. So I guess theoretically I could direct deposit $4,100, take $4000 out to put in a better rate investment and then wait 120 days for the $400 bonus or am I missing something? The money market offer is separate thing correct? I don't have to do anything with that as well correct? That offer isn't nearly as good considering the rates you can get currently you'll make more with the extra interest than you would with the bonus.
1
Oct 1, 2023
5,963 Posts
Joined Jan 2008
Oct 1, 2023
Eagles89
Oct 1, 2023
5,963 Posts
This deal is not worth the effort because you could just park $7500 in a 6% CD and make $450 without any work.
12
Oct 1, 2023
3 Posts
Joined Oct 2015
Oct 1, 2023
vilu408
Oct 1, 2023
3 Posts
Quote from Eagles89 :
This deal is not worth the effort because you could just park $7500 in a 6% CD and make $450 without any work.
Then your money is committed for a whole year. And where do you find 6% CD ? So it's not without any work .
3
Oct 1, 2023
5,963 Posts
Joined Jan 2008
Oct 1, 2023
Eagles89
Oct 1, 2023
5,963 Posts
Quote from vilu408 :
Then your money is committed for a whole year. And where do you find 6% CD ? So it's not without any work .
Except their checking account has a $25 monthly fee unless you park $10,000 at 0.01% APR
1
Oct 1, 2023
846 Posts
Joined Sep 2006
Oct 1, 2023
dingdong123
Oct 1, 2023
846 Posts

Our community has rated this post as helpful. If you agree, why not thank dingdong123

Here is math. For both options, no need to keep money in account, just withdraw it after DD.
1) Open relationship account with $25 fees, pay it for 4 months (assuming bonus payout on 130 day and grace period before fees kick in). After bonus payout, convert account to Advantage without any fees and maintain for 1 year. Net would be 600-100 fees = 500.
2) Open advantage account with $0 fees, meet terms, get 400. No need to change account type or other hassle.

In nutshell some effort for additional $100.
3
2
Oct 1, 2023
8,257 Posts
Joined May 2007
Oct 1, 2023
diavolo33
Oct 1, 2023
8,257 Posts
Quote from Eagles89 :
This deal is not worth the effort because you could just park $7500 in a 6% CD and make $450 without any work.

The terms don't say the $7500 needs to stay in the account for a definite period. You could withdraw it immediately after it posts and then do whatever you want with it.

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Oct 2, 2023
1,280 Posts
Joined Jun 2004
Oct 2, 2023
brianlovesmoney
Oct 2, 2023
1,280 Posts
Quote from dingdong123 :
Here is math. For both options, no need to keep money in account, just withdraw it after DD.
1) Open relationship account with $25 fees, pay it for 4 months (assuming bonus payout on 130 day and grace period before fees kick in). After bonus payout, convert account to Advantage without any fees and maintain for 1 year. Net would be 600-100 fees = 500.
2) Open advantage account with $0 fees, meet terms, get 400. No need to change account type or other hassle.

In nutshell some effort for additional $100.
Yeah not worth the extra work for $100 bucks max maybe

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