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

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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.

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.

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!

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

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

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

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

Sure wish my comments would appear.

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

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…

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…

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

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

I wouldnt expect anything until September or possibly even October

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

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

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

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.

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

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.

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

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

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