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:

• Always take screenshots of offers you apply for. That way you know the exact terms you applied under (something suggested by out points attorney friends)
• Always double check the fine print to see if anything has changed (and comment if it has).

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