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How the BMO Rewards Program works - explained in 2 minutesEarn a $ bonus when you open a Smart Advantage or Smart Money checking account using the promo code and receive at least $4, in qualifying. BMO is offering a $ bonus* when you open a BMO Checking account and have $4, in direct deposits within 90 days of opening. It is a very. Live, laugh, save! This includes up to a $ cash bonus and a % promo interest rate when you open a chequing and a Savings Amplifier Account.