Posted by William Charles on August 14, 2017
Bank Account Bonuses

Published on August 14th, 2017 | by William Charles


BMO Harris $200 Checking Bonus Now Limited To AZ, FL, IL, IN, KS, MO, MN and WI

BMO Harris offers a popular $200 checking sign up bonus. Unfortunately they have added new terms to the bonus that state:

  • If you are opening your account online or by phone, you must reside in a state that BMO Harris operates retail branches and use that address to open the account. BMO Harris currently operates retail branches in AZ, FL, IL, IN, KS, MO, MN and WI

I’m not sure when this language was added to the offer, reader Daniel noticed it on 8/12 and reader kirk notes that it wasn’t there on 8/5 when they applied. This should reinforce two important things:

I’ll update the BMO Harris post to include this important piece of information and also update our best bank bonus page. It seems that out of state applications will still work if you apply in branch as this only affects applications made online and by phone.

Hat tip to berneigh on /r/churning & reader Daniel

29 Responses to BMO Harris $200 Checking Bonus Now Limited To AZ, FL, IL, IN, KS, MO, MN and WI

  1. artgriego says:

    Ugh. I’ve heard of people fighting for this bonus as it is, I bet now they’ll try to enforce these terms on accounts opened before they added the restrictions.

  2. Austin Auclair says:

    Applied online in Florida but still denied haha. Do yall think going into the branch would change anything?

  3. Rab says:

    I applied 7/24 and i m in GA.. hopefully i will get the bonus

  4. JT says:

    Sure wish my comments would appear.

  5. DD says:

    if you emailed yourself a code before the terms changed, can you still use that code with the old terms?

  6. Adrian says:

    Not worth the effort




    Don’t do it. Half kidding.

    I’m just bitter I never got my bonus even after 2 escalations. They still had the nerve to mail me a non-prepaid postage letter requiring a signature even though I ‘canceled’ over the phone…

  7. Tech_Mo says:

    I’m still waiting for my bonus – I figure I’ll give it another 20 days or so since I opened the account in May and met the requirements in June.

    Also they sent me someone else’s social security number, address, and account numbers by accident for the signature page – I reported it to them, but still makes me a bit concerned about how they handle their customers’ information…

  8. TheAJx says:

    I applied in June and met all the requirements by July and still have not received anything.

  9. Karen says:

    Does anyone know when the terms changed? I applied on 8/12 and didn’t check the fine print.

  10. Charles says:

    There is also a branch in DC, I wonder why that one is excluded.

  11. PISSED says:

    Waited OVER 120 days. Still No bonus, even AFTER I called to escalate. The bank is a joke. Reps don’t care.

  12. Ryan says:

    I signed up in the last round of bonuses, and had no issue getting it. I live in CA, and this was before the geo-restriction language was added.

    Opened: 04/27/2017
    First DD hit: 05/12/2017
    Second DD hit: 05/26/2017
    Bonus credited automatically: 06/20/2017

    Only real issue I had was that they apparently don’t give you much of a grace period to avoid the monthly fee. (I opened before they changed to their current checking lineup, so I have the “Everyday Checking” package) The account wasn’t even open a full month when they tried to charge me the $12 service fee since I hadn’t met the minimum direct deposit to waive it. I chatted online with them, and they waived it and apologized that it had even posted. All in all, they were fairly painless to deal with, but they seem very YMMV.

  13. Gunger says:

    My email coupon Wed, Aug 9, 2017 6PM does not have the state language.

  14. MIL215 says:

    I applied for the account on the 13th and was wondering why I was denied outright. I am not sure if it is due to a recent move or due to them changing the wording.

    Unfortunate because it is a great offer. Just more reason that you need to jump on these offers.

  15. Jerry says:

    Opened five months ago. Still no bonus. Also, I was dumb and did not screenshot the offer.

  16. Pam says:

    I opened it a few months ago and used Capital one as the direct deposits and it credited today! Yay!

  17. Pam says:

    I opened it when it wasn’t so restricted with the states as I live in Colorado and it can’t be open from here now

  18. rmah says:

    i opened an account mid august 2017. made two $300+ deposits from my capital one account. they posted as ACH.

    i just chatted online and the agent said i have to show paycheck stubs!??! huh?

    are people getting the bonus doing a capital one ACH WITHOUT showing paycheck stubs??


    • HarryTheFirstHarry says:

      1) If you call/chat without doing real DD then you will be punished and your punishment is that you have to show pay stubs.
      2) If you do not chat/call and do ACH transfer and keep your finger crossed for 120 days, then you will not be punished and you MAY get the bonus as so many have got. If you are a good person, you may get it even earlier in 90 days but if you do not get after 90 days and decide to then you will be punished again as above.
      3) Only if you do real DD and bonus does not post may you have a valid reason to chat/call. Sometimes even then you could get punished.
      So take your pick…1,2 or 3.

      • rmah says:

        awesome info. thanks. i’m going to lay low and keep my fingers crossed.

        fyi, bmo has been a MISERABLE experience for reasons not even relating to the bonus. customer service is horrible.

  19. scott says:

    I opened my account 4 months ago and used real DD. Still haven’t received the bonus. I did an on-line chat with a rep who said I met all the requirements, and then told me this:

    “The bonus is deposited around the 120 day mark however as this is considered an Interest Payment for tax purposes, interest or in this case the bonus is deposited on the last day of your statement cycle that closes after that 120 day mark. ”

    I opened the account on May 19 and he told me I would receive the bonus on Oct. 5, the last day of the statement cycle that closes after 120 days. Has anyone else heard of this? I’ve never had to wait so long for a bonus!

    • rmah says:

      hope you get it buddy!

      i hope i get it too!

      i know that it has been a miserable experience opening/dealing with/and communicating with cust service on this account.

      had i known, i would have never even tried for it!

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