The 2026 Summer Chequing Account Opening Offer is available from August 7, 2026 – November 2, 2026. You can earn 15,000 bonus VIPorter points when you open a new Canadian Dollar Primary Chequing Account (“Chequing Account”) with an Eligible Bank Plan at any BMO branch in Canada or online at bmo.com/cash.

Chequing Account Opening Offer Bonus

To qualify for the Chequing Account Opening Offer, you must:

1. Open a new Chequing Account with the Performance or Premium Plan during the Offer Period, August 7, 2026 – November 2, 2026;
2. Make a deposit of any amount to the Chequing Account by November 2, 2026.

• Eligible Bank Plan(s) means the Performance Plan or the Premium Plan (each, an Eligible Plan). Student, Medical and Dental Student, Recent Graduates, Canadian Defence Community Banking discounted banking programs do not qualify for the 2026 Summer Chequing Account Opening Offer.
• Existing Customers are not eligible for the 2026 Summer Chequing Account Opening Offer. An “Existing Customer” is anyone who currently has a BMO Canadian or U.S. Dollar Primary Chequing Account, Canadian or U.S. Dollar Interest Chequing Account, Canadian or U.S. Dollar Premium Rate Savings Account, Smart Saver Account, Savings Builder Account, or Savings Amplifier Account (each an “Existing Account”) or anyone who closes their Existing Account between August 7, 2025– November 2, 2026 and subsequently opens a new Chequing Account or Savings Account.

• This 2026 Summer Chequing Account Opening Offer is non-transferable and available only to the customer who has been presented with the offer. This is a personalized offer and may not be the same for each customer who receives a 2026 Summer Chequing Account Opening Offer.
• To be eligible for the 2026 Summer Chequing Account Opening Offer, you must be a current BMO customer who has received an invitation from BMO to participate in the offer.
• Limit of one (1) 2026 Summer Chequing Account Opening Offer per customer for any new Chequing Account with the Performance or Premium Plan. To be clear, no more than 15,000 VIPorter points can be earned regardless of how many accountholders are associated with the Chequing Account.
• This 2026 Summer Chequing Account Opening Offer cannot be combined with any other Chequing account offers. Available while quantities last.
• We may change, extend, or withdraw the 2026 Summer Chequing Account Opening Offer at any time without notice. We reserve the right, at our sole discretion, to suspend, disqualify, limit or revoke the 2026 Summer Chequing Account Opening Offer for any customer we suspect of manipulating or abusing any of the offers included in the 2026 Summer Chequing Account Opening Offer, or its fairness, integrity or operation.
• Trademarks are the property of the respective owner(s). Trademark owners are not affiliated, sponsoring or endorsing this offer or any BMO products or services.

• Your eligible Chequing Account must remain open until November 2, 2027. If you close your eligible Chequing Account before November 2, 2027, we reserve the right, in our sole discretion, to debit the eligible Chequing Account the full value of the offer amount, or send you an invoice for any amount(s) outstanding.
• Your VIPorter Credit Card Account must be open and in good standing (in compliance with the BMO Credit Card Cardholder agreement available at bmo.com/cha) with a VIPorter number assigned when the bonus is issued.
• For the Chequing Account Opening Offer, the VIPorter points will be credited to your VIPorter account by December 31, 2026. The points will typically be reflected in your VIPorter account within two business days of your monthly credit card statement being issued. Please note: statements may not be issued in there’s no activity in our account (Purchase, Returns, or Payments) and you have no balance due / account balance when your account cycles.  
• You have until January 31, 2027 to notify BMO if you believe you qualify for the offer and have not received the bonus VIPorter points.
• VIPorter membership and benefits are subject to the VIPorter Program Terms & Conditions and any applicable Porter Airlines Terms and Conditions relating to a benefit (including its published tariffs containing conditions of carriage for travel on Porter Airlines), as determined by Porter Airlines in its sole discretion and as may be changed from time to time, which is governed by the VIPorter Terms and Conditions. Any conflict between these terms and the VIPorter Terms and Conditions, the VIPorter Terms and Conditions will prevail.