BMO Business $400–$1,500 Business Savings Bonus (5.5%–36.5% Effective APY) - 2026 Review
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Bonus Tiers & Effective APY
Overview
BMO Business currently offers up to $1,500 through its business savings promotion. The headline tier requires $100,000 and keeps the funds committed for roughly 100 days. That is approximately 5.5% annualized before tax and opportunity-cost adjustments.
Who This Savings Bonus Is Best For
People with $100,000 of genuinely idle cash who can leave it committed for roughly 100 days without sacrificing a better use for the funds.
How to Maximize This Bonus
Complete 10 debit-card transactions within 90 days and keep the account in good standing until the reward posts. Confirm that purchases or transactions are eligible before relying on them.
Pros
Cons
How This Compares to Other Bonuses
BMO Business's $1,500 headline payout is closest to Capital One's $1,500 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current BMO Business promotion?
BMO Business currently offers up to $1,500. The headline requirement is 10 debit-card transactions within 90 days.
How much money is required for the BMO Business bonus?
The highest advertised payout currently requires $100,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 100 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Business Checking (Digital tier $10/mo waived at $500 balance). Deposit within 30 days, hold the tier minimum balance from day 31 to day 90 (a minimum, not an average). New customers only, so no BMO business checking in the past 12 months. Opens online. Verified live 2026-08-08, expires Aug 31, 2026.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on August 13, 2026.
Historical Promotions
The current $1,500 is the highest we've tracked since May 2023.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.