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H.P. (@guest_977032)
May 10, 2020 20:18

Data points:
1/7/20 Opened Smart Advantage Checking account.
3/3/20, 4/3/20, 5/1/20 $2000+ S.S deposits. Made 20+ debit card transactions.
5/10/20 Received email “Thank you for opening your new BMO Harris Bank account and meeting all the special promotion requirements. You now qualify for a $200.00 bonus! This bonus will be deposited into your account within the next 10 business days”.

Splooge (@guest_899143)
February 5, 2020 08:25

Datapoint: Venmo cashout *does not* count as direct deposit.

fang (@guest_896507)
February 2, 2020 12:30

I opened the account in August, met the requirements in October, but the bonus didn’t post so I forgot about it, but it then posted in January this year.

Baked (@guest_1137570)
February 1, 2021 16:40

fang how did you meet the DD requirements ?

fang (@guest_1137573)
February 1, 2021 16:42

had a DD through my school

musicforthedeaf (@guest_893650)
January 30, 2020 13:52

Link is down

H.P. (@guest_883878)
January 21, 2020 18:50

Question for those who had done the BMO Checking bonus…Did you get a PIN mailed to you for the debit card, or you selected it when you activated the card with a rep?
I opened a checking account on 1/7/20, got online access set up and I can log into the account. Got the debit card on 1/21, had to call to activate it; the rep asked 4 questions to verify my ID, somehow I answered one question incorrectly. The rep refused to activate my card, and told me I have to drive to a branch (50 miles away) to do it in person. I’m going to call again tomorrow and see if they’ll let me try again, hopefully they didn’t mark my account that I failed the test.

H.P. (@guest_884596)
January 22, 2020 12:11

Just to complete the story…Called back today and got a different rep. She also told me I’d have to go to a branch. I pleaded with her that the nearest branch is 50-60 miles away. She said if I had passed the test, then the card would have been activated and I could pick a PIN. Since I didn’t pass, she could activate the card but the PIN would be mailed. That was just fine with me. Saved me a trip.

Jdoc13 (@guest_876086)
January 14, 2020 15:23

8/5 – Smart Advantage Checking opened; $6k real DD
8/8 – Platinum Money Market opened and funded with $5k (never withdrew funds)
1/6 – $400 checking bonus posted
1/14 – No response from secure message about status of $100 saving bonus so called and was told to expect bonus “next week” (bonus should have posted last week per terms/conditions)

Jdoc13 (@guest_885049)
January 22, 2020 17:38

1/21 – $100 savings bonus posted

josefismael (@guest_867341)
January 7, 2020 14:43

Still no bonus – DPs:

8/7 – Smart Advantage Checking opened, funded $200
8/20 – Platinum Money Market opened, funded $5020
8/30 – real DD 3025
9/15 – real DD 3025
9/29 – completed 10 DC transactions

Compared to other timeline DP’s here, I feel like I’m well past due for the bonus. Time for a SM or wait another week or so?

Duke I.
Duke I. (@guest_867352)
January 7, 2020 14:53

You should have received the bonus in December. Since you used a real DD I would call. I’m expecting mine in February.

Charles Mann
Charles Mann (@guest_854776)
December 8, 2019 10:36

I received a mailer yesterday with a coupon for $200+$300 Smart Money bonus offer that had a unique Promo Code that says it can be used in branch or per phone conversation. I still would never recommend BMO; they cheated me out of my bonus.

Charles Mann
Charles Mann (@guest_854858)
December 8, 2019 15:42

Apparently the code can also be used online at: If someone wants it, this is the code I received: BMOP-02001M-MZSK6K9

Burton (@guest_857441)
December 14, 2019 16:42

My Valpak code starts the same but ends in 810IUTV. Already a customer and won’t be using it.

Robert (@guest_854758)
December 8, 2019 08:33

Trying to open Smart Advantage checking. The promo code automatically generates on the site. But then it says “The promo code you’ve entered is invalid or unavailable with this product.”


Robert (@guest_854759)
December 8, 2019 08:35

By the way, the auto-generated promo code is: BMOP-01761H-WEB250S

Tourbillion (@guest_854553)
December 7, 2019 13:44

Received the $400 bonus on 12/3. Opened the account in late July and completed $6000 DD from employer in early October.