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

Published on August 14th, 2017 | by William Charles

67

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



Leave a Reply

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

Notify of
avatar
 

Sort by:   newest | oldest
artgriego
artgriego

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.

Jeff
Jeff

Account has been opened two months and a day in a state I couldn’t open it under now and I received my $200 bonus yesterday so they still are honoring the agreement from before the restriction.

Josh
Josh

I opened my account in August and checked in on the bonus status as I just passed the 120 day mark. I live in Colorado which was on the original list and they said that I do not qualify because I am not in one of the new states. Needless to say, I will be fighting that!

Josh
Josh

Whoops, typo. Opened July 2 and met DD requirement July 18.

Blake
Blake

Josh,
Were you able to fight this? I’m in the same situation.

Austin Auclair
Austin Auclair

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

Rab
Rab

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

JT
JT

Sure wish my comments would appear.

DD
DD

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

Adrian
Adrian

Not worth the effort
o
t

w
o
r
t
h

t
h
e

e
f
f
o
r
t

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…

Tech_Mo
Tech_Mo

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…

TheAJx
TheAJx

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

Charles
Charles

I thought DPs are that is takes 3/4 months to get the bonus posted.

Stephen
Stephen

I wouldnt expect anything until September or possibly even October

Karen
Karen

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

Charles
Charles

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

PISSED
PISSED

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

Ryan
Ryan

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.

Gunger
Gunger

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

MIL215
MIL215

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.

Jerry
Jerry

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

Josh
Josh

Search your email for BMO coupon. It should have the code as well as the original terms of the agreement.

Pam
Pam

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

Pam
Pam

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

rmah
rmah

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??

thanks!
rmah

HarryTheFirstHarry
HarryTheFirstHarry

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 call.chat 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
rmah

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.

scott
scott

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
rmah

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!

Ozzie
Ozzie

I had to provide the additional information for my customer profile or they would close my account. I received 2 emails and finally a UPS overnight letter directing me to call ASAP. Took about 10 minutes to answer all their questions.

From what I can remember they asked very specifically about employment industry and classification, citizenship, international transfers, how I funded my account and how I would be accessing it in the future (mobile, online, in person, etc) and a few other things. I was a slightly nervous because I have opened a lot of accounts this year, but they did not ask any specific questions regarding my employment, income, investments, or other accounts.

David
David

Just mentioning that the old terms (without geo-restriction) have been archived by the Internet Archive project… You can get them here:

https://web.archive.org/web/20170613060528/https://www.bmoharris.com/main/personal/always-on/checking

This is an archive from June 13 2017, from before the location restriction was added.

Andy
Andy

thank you this helps a lot

Stephen
Stephen

I opened a checking with them on 8/11. I am still holding out for the bonus after completing the DD requirements. Yesterday, I received a mailer from them inviting me to open a savings account with $1000 in new money and they would give me a $25 bonus. The link appears to be open to anyone at bmoharris.com/oct17save25. Use the coupon code NCDMOCT17SAV25.

Skor
Skor

Still waiting for the bonus, account opened on 8/28

Josh
Josh

Applied today online & opened the free checking account. Funded $1000 with Citi AA Gold MasterCard, CA is set to $0, shows as a pending purchase on my account with Citi.

Darv
Darv

I thought I would share an experience on here with BMO.

My wife applied for a checking account a few months ago. I helped her with the application. Per the comments here, I expected her to get a call from them to verify the account, along that line. She didn’t get a call but rather an email saying she had to call in. So she did. They asked her especially probing questions and some verification questions that she couldn’t answer. They froze her account. Ally trial deposit credit failed and that made Ally mad, now she can’t add any more external accounts to Ally.

So we finally got into the branch and that resolved the issue except then she got a debit card in the mail and when she tried to activate it, was transferred to a human being. Again, they started on verification questions and one of them made us angry. They asked for the amount of the most recent check to clear her account. It was a trick question, because there wasn’t a check. There were two trial deposit transactions, which were technically ACH transfers, and she told them about that, but the agent was snippy, and repeated the question. Finally I told her to tell the agent there hadn’t been a check. She then passed and the debit card was activated.

This was ridiculous. First of all we wouldn’t bother with the bank except for the bonus, and even then probably wouldn’t have bothered with them if not for the credit card funding. Don’t get me wrong; I would have done them, and will do them again when eligible again. But I wouldn’t recommend this for anybody’s SO if they don’t want to be overly burdened. This made my wife angry. It was a gauntlet to pass the identity verification questions during the application, and that should have been enough for them, but it took a lot more.

Radar
Radar

This happend with my husband when he first received the debit card. When he called to activate he was transferred to a human who was snippy and rude and my husband asked her transfer to supervisor so that he does not have to deal with her. She agreed and was transferring the call to different dept. And my husband lost patience and hung up the call . Didnt bother to activate the debit card for like a month. Then after a month we thought of adding the card to google wallet and we called to activate and this time there was no human just regular automated voice which verified and activated his card. Lol

Corban
Corban

OMG, same thing happened to my better half as well! Account has been locked for about a week now because she failed the verification questions for the stupid debit card.

Sad part is, I had already initiated bill payments from Amex to drain the deposit. Which has caused the account to get overdrafted x3. So, they blocked her incoming but not outgoing funds. Not a happy camper here.

Planned on using Robinhood for DD and had it all setup prior to the debit card debacle. Win some lose some I guess.

Darv
Darv

I’ve done them twice, this is first time for wife. I’m doing them again next month. Last time I had to CFPB them, wouldn’t post the bonus. They claimed I was inside the 12 month window but I did all my homework and made sure I wasn’t when I opened it.

My wife’s bonus hasn’t posted and her 120 days are coming up. She’s gonna send one secure message and if they blink, it’s going straight to CFPB. Not wasting time sending messages back and forth because of their track record.

Steve
Steve

Open account 7/10/17 – 2 x $300 Chase ACH’s within 30-weeks of opening. 11/14/17 messaged Customer Service and was advised that these were not acceptable DD’s.

Steve
Steve

within 3-weeks*

JuicyJosh
JuicyJosh

Steve, come on man. This counts as calling the bank. I will tell you for any future bank bonuses – an ACH transfer does not count as DD when you speak to a bank rep. Did you do a legit DD? Yes? Then contact them. Otherwise just bite the bullet and move on to the next one.

calwatch
calwatch

Account opened June 23, requirement met September 15 (because my Lyft payments posted as “CCD Lyft.com TRANSFER”, I put in a real payroll deposit just in case). Complained November 10, got a response back November 13 claiming it will post in 10 business days. I opened the account in CA.

Miles Hustler
Miles Hustler

@calwatch did your bonus ever post?

calwatch
calwatch

No, and I sent a request to follow up early this month (after the statement cut) and they claim another 10 days. Ugh. I opened it when the bonus was available nationwide and used legitimate payroll direct deposits (which are still going on, although I am auto-pulling to Discover and my daily BoA account most of the money).

calwatch
calwatch

Took forever, but it finally posted on December 11.

Sarah
Sarah

Thanks for the info, currently waiting for mine which I opened June 15th. My DD were my legitimate payroll and I always do DDs for a month or two longer than required just in case.

Danny
Danny

Anyone else ever get this bullshit before? I sent a SM to BMO Harris customer support 150 days after I signed up for an account. I did multiple ACH transfers from different accounts. I thought they would just credit my account the bonus. Instead I get this excuse:

“Thank you for contacting BMO Harris bank in regards to a Promotional Bonus you applied for when opening your account. Upon further review, it appears that additional information is needed to escalate your EDAO17CHK200 Promotional Bonus. According to the Terms and Conditions, you would need to 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. The deposits listed on your account appear to be transfer deposits from Ally Bank. If you have proof that the deposits qualify, such as proof of payroll, please send that documentation along with your escalation request so we can provide that to our Marketing Team.”

Anything else I can say or do to try to get this bonus that I waited for?

Duke I.
Duke I.

ACH transfers is not a qualifications. It may work with some banks, but not others. It’s just a risk you take when the DD is not from an employer or outside agency.

Eric
Eric

How is their response “bullshit”? You didn’t meet the terms and they explained why.

Your sense of entitlement is the only issue I see.

Sarah
Sarah

What sort of nonsense is this? Blatantly not meeting the requirements and then complaining about not getting the bonus?

mcafeeee
mcafeeee

I sent an email at the 120 day mark to escalate to their marketing peeps. Bonus was credited a few days later. Thanks doc!

rmh
rmh

did you dd via a bank account or via an employer check?

BW
BW

Got my bonus today. in MNb

TatyG
TatyG

BW, when did you open the account?

Ozzie
Ozzie

DP:

09/26/17 Account Open Date
09/30/17 2nd $300 ACH Discover posted
10/03/17 2nd $300 PPD Robinhood posted
12/21/17 $200 Bonus Posted Automatically

El Loco
El Loco

– In-branch application
– two Robinhood DD: $300 each
– bonus posted 3 months after opening.

rmh
rmh

unreal!!

i opened my account online on august 15 2017. did my dd’s via capital one checking transfer. after successful transfer, i online chatted with BMO to ensure i had met all requirements for $200 bonus. i was told the dd’s via capital one didn’t count.

well, i figured i’d wait and see (and hope).

i still went through that crazy long intrusive account opening verification phone call and hoped for the best.

literally, today, $200…bingo! cha-ching!

merry christmas to me (and hopefully to all others)!

Trevor
Trevor

Very similar story, but no happy ending here.

Opened online August 12th. DDs via Chase checking account. Was told via SM that this did not count for the bonus. Decided to wait and see just in case, but still nothing as of today.

rmh
rmh

my advice? write a letter…yeah, with stamps and stuff!…and detail how you were told the chase dd would count and how great you think their site is and how much you’ve enjoyed having the account and how you signed up under the $200 promotion and followed the rules as you understood them.

of course, you didn’t ask for advice so forgive my presumptions…

EW
EW

7/31 – Opened account
8/25 – Chase transfer
9/8 – Chase transfer
1/4 – Still have not received bonus

Mike M.
Mike M.

Well I honestly can’t believe it, but BMO coughed up the bonus.

7/11/17 – Opened Account
7/21/17 – $300 Payroll DD
8/4/17 – $300 Payroll DD
1/11/18 – Bonus

I had to message BMO three times and after the third final time it was escalated to someone from “marketing”. I received an email from someone in the marketing dept. after that stating if I qualified for the bonus I would receive it in 3-5 business days (still wasn’t holding my breath after that email). The email came on 1/5/18.

I was not in one of the targeted states after the bonus terms changed from being nationwide.

This one was definitely a lot of work.

Atul
Atul

I received $300 bonus flyer in mailbox with same condition mentioned in this post. Honestly after reading all the comments, I am going to skip it. Not worth the time, if real (payroll etc) DD need follow up too and wait time are horrible in some of the cases below.

Back to Top ↑