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BMO Bank Review - Is It Worth It? (2024)BMO Smart Money Checking?? Earn a $ cash bonus 1 when you have a total of at least $4, in qualifying direct deposits within the first 90 days. Compare our checking options to find the best account for your unique needs. BMO Smart Advantage checking, BMO Smart Money checking. BMO does have other checking accounts with more perks, but Smart Advantage is the most popular � and the only one with no monthly fee.