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Joined Sep 2011
There Is Always Hope
> bubble2 13,954 Posts
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Eragorn | Staff
05-09-2025 at 03:05 PM.
05-09-2025 at 03:05 PM.
"Qualifying direct deposits are deposits of regular income – such as your salary, paycheck, pension payment, Social Security payment or other government benefits payment – electronically deposited into the account from an employer or similar third party."
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Joined Feb 2007
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techie333
05-09-2025 at 03:08 PM.
05-09-2025 at 03:08 PM.
This only works if you are targeted by mailer "use the promo code found in the mailer."
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Joined Jan 2024
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WolfTheCat
05-09-2025 at 11:04 PM.
05-09-2025 at 11:04 PM.
Great bonus at 6% of committed funds for only 90 days. But, high bar to get it.
- $10k in Direct Deposit in 90 days is a lot.
- $10k balance to avoid monhly fees.
- Earns 0.1% interest, so an extra $2.50 over 90 days!
- If you have a BMO credit card, this level (silver) of relationship gets you $10/quarter, so an extra $10!

A couple ways to generally get targeted mailers that may work:
1) Partially fill out the application - enough they have your address. Then, abandon form.
2) If you already have a relationship with the bank, opt-in to targeted emails and mail.
3) Watch your email promotions and junk folders.
4) If you know someone with a relationship with the bank, ask for their referral code and partially fill an application.

Doctor of credit users report EFTs from these banks MAY work as direct deposit, or they may not. www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#BMO_Harris [doctorofcredit.com]. Your best chances appear to be with Chase, Schwab, or Treasury Direct.
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Last edited by WolfTheCat May 9, 2025 at 11:44 PM.
Joined Jan 2024
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> bubble2 2,193 Posts
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WolfTheCat
05-10-2025 at 01:34 AM.
05-10-2025 at 01:34 AM.
Quote from techie333 :
This only works if you are targeted by mailer "use the promo code found in the mailer."

Report that getting bonus without mailer may be possible. May or may not be accurate.

https://www.doctorofcredit.com/il...nt-2058056
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