Smart Advantage Checking

Bank Account Offer

High Value

Sign-Up Bonus Value

$400

Requirement

$500 direct deposit

Time to Complete

90 days

Year 1 Value

Sign-up Bonus$400

Annual Fee-$60

Net Year 1 Value$340

Values are estimated based on publicly available offer terms and typical spending patterns. Actual value depends on your spending habits, redemption methods, and eligibility.

Offer Details

Monthly Fee

$5/mo

Fee Waiver

Direct deposit or $1,500 balance

Effective APY

0.01%

Holding Period

90 days

Direct Deposit

Required

Difficulty

Intermediate

Verification

Source

scraped

Last Verified

Aug 17, 2026

Bonus Value

$400

Clicking "Apply Now" takes you to BMO's website. BonusMax AI does not process applications.

Quick Facts

90 days to complete
Intermediate difficulty
$500 direct deposit

Offer details may change. Always verify current terms on BMO's official website before applying.

BonusMax AI provides educational financial information only. We are not a financial advisor, bank, or credit card issuer. Offer values are estimates and may differ from actual results. Always review the issuer's terms and conditions before applying.