Going for the BMO $400 checking offer...

ElvisCaprice · ‎07-26-2025

I've churned BMO a few times for the SUB. Always used my job DD. As soon as it's available you can pull out the deposit. I just kept a buck in there the whole time. BMO is slow to pay the bonus, but they do. Make sure you close the account when all done and verify, give it time to settle all. They can be sneaky with keeping one penny in the account and open without your being aware until the next time you try to churn and find out you can't.

BofA:

Citi:

AAdvantage Platinum Select MC (for SUB ONLY)

US Bank:

Shoppers Cash Rewards 6% Walmart, (PC to Cash+)

Chase:

Aven:

RH:

Spend: Less than 10k per year organic (frugal). MS varies, can be more significant.

(Aug of 26) Scorecard: Clean, Thick, Mature (Always PIF)

HP's: EQ 2/6, 2/12, 8/24 | TU 1/6, 4/12, 7/24 | EX 0/6, 2/12, 9/24

New Accounts: 2/6, 6/12, 10/24

ptatohed · ‎10-15-2025

So, if anyone is interested, the only institution that I could find to spoof a DD to BMO was Robinhood. I pushed money from Robinhood, primis, Chase, US Bank, upgrade, Lending Club, and maybe 1 or 2 more. Only Robinhood triggered a DD.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Re: Going for the BMO $400 checking offer...

Re: Going for the BMO $400 checking offer...