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Tutorial Email Money Transfer BMOWhen you'll receive the money: The cash bonus will be deposited into your BMO checking account around days after the account opening. BMO Bank Review. BMO: Up to $ bonus. Consumers who don't have a BMO checking account are eligible to earn a $ bonus by opening a Smart Advantage Checking. US$49 annual fee is rebated when your annual purchases total US$3, or more Transfer funds from your BMO U.S. Dollar Account to your eligible BMO U.S.