
BMO Performance Chequing Account
$100

BMO Performance Chequing Account
Bank Account · Apply through Finly
Cash back
$100

Finly rebate
Get $100 rebate + Earn up to a $1,100 cash bonus* and a Walmart+ membership for up to 12 months* on an approved BMO Performance Chequing Account
Apply through Finly and get approved for the BMO Performance Chequing Account to earn our Finly rebate — sent to your bank via Interac e-Transfer once your application is approved. Terms and conditions apply.**
Paid via INTERAC e-Transfer
Secure & private
$1.9M paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- Only valid for eligible new account holders
- Each client is limited to a maximum of 1 cash back bonus total across all BMO Chequing accounts
- You must be fully verified with the bank and activate your chequing account within 10 days of signing up
- There is a minimum of 3 days delay from when you complete the application and when it gets reported back for processing
The chequing account
Why BMO Performance Chequing Account?
BMO's main everyday account, with unlimited transactions and free Interac e-Transfers. Keep $4,000 in the account and the monthly fee is waived, a common threshold among the big banks. A reasonable pick if BMO is your bank and you can leave that cushion in chequing.
How to earn the welcome bonus
Earn up to a $1,100 cash bonus*
Plus a Walmart+ membership for up to 12 months*
STEP 1
Chequing Account Offer
Earn $800 when you:Â
- Open and fund a new BMO Performance or Premium Plan Chequing Account by March 1, 2027
- Complete the qualifying criteria by April 30, 2027
1. Set up a recurring direct deposit of $500 or more from your employer, the government, or your pension, and have the first deposit appear by April 30, 2027. Â
2. Complete one of the following by April 30, 2027:  Â
• Make two (2) bill payments of $50 or more to two (2) different payees through BMO Online Banking or the BMO Mobile Banking app; and Â
• Set up two (2) pre-authorized debits (PADs) of $50 or more from two (2) different payees.Â
STEP 2
Savings Account Offer
Earn $200Â when you:Â
- Open a Savings Amplifier Account by March 1, 2027
- Complete the following:
• Deposit a total of $10,000 or more into the Savings Amplifier Account within the first 30 calendar days of opening the account;
• Maintain a daily closing balance of $10,000 or more for 120 calendar days from the date of deposit to earn the 5.00% promotional interest rate** on balances up to $1,000,000; Â
• After the initial 120-day promotional period, continue to maintain a daily closing balance of $10,000 or more for an additional 90 calendar days to qualify for the $200 cash bonus.
You must complete step one to qualify for step two. Â
STEP 3
Credit Card Offer
Earn $100Â when you:Â
- Open a Chequing Account in a Performance, Premium or Practical Plan and make any deposit by March 1, 2027
- Open a Savings Amplifier Account and make any deposit within 30 days of opening your Chequing Account
- Apply for and be approved for an Eligible Credit Card within 30 calendar days of opening your Chequing Account.
- Plus, pay no annual fee in your first year
Walmart+ Offer
Get a Walmart+ membership for up to 12 months* when you:
- Open and fund a new Performance, Premium, Practical or Plus chequing account by March 1, 2027.Â
- Sign up for or update your existing Walmart+ membership on Walmart.ca by April 30, 2027. You’ll have to select Debit Mastercard as the payment option and enter your new BMO debit card number
Eligibility criteria (open account or switching eligibility)
If you meet the eligibility criteria, the Chequing Account and Savings Account cash bonus will be credited to your account by October 30, 2027. The Credit Card cash bonus will be credited by June 30, 2027.
Unfortunately if you already have a chequing account with us from November 3, 2025 to March 1, 2027 you are not eligible for this promotion.
If you close your account before March 1, 2028, you will not be eligible for this promotion.
Each bill payment is required to be paid to a different biller account number. For example, if you are paying a cell phone bill it has to be paid to different accounts numbers to be counted as 2 different bill payments.
Fees & limits
Monthly fee
Can be waived
Transactions
Interac e-Transfers
ATM (own network)
ATM (Canada, other)
Foreign currency
Insufficient funds
Ways to waive the monthly fee
Minimum Balance Waiver
Maintain $4,000 minimum monthly balance to waive the monthly fee
Ready when you are
$100 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your approval and eligibility. No portals, no points — just real cash.
Stack & save
Bundle this with a complementary offer
Open more than one product through Finly and you earn a separate cash rebate on each. We'll e-Transfer them all to the same Interac email — no extra steps on your end.
Apply for 4 more offers to stack rebates from a single Finly account.
Browse allFAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Some accounts waive the monthly fee if you maintain a minimum balance or set up direct deposits. Any waiver options are listed in the fees & limits panel above. The financial institution makes the final approval decision.
Eligible Canadian bank deposits are insured by CDIC up to $100,000 per category. Coverage details depend on the institution — check the financial institution's site for specifics.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
*Terms and conditions apply. Visit bmo.com/cash.















