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How to Sign Up / Apply for BMO Digital BankingWithin 90 days of account opening, have a total of $7, in qualifying direct deposits, earn $ bonus. Get a $ digital gift card when you. Earn $ by opening a BMO Smart Money Checking or Smart Advantage Checking account and making qualifying deposits. BMO Smart Money Checking Earn a $ cash bonus footnote 11 when you have a total of at least $4, in qualifying direct deposits within the first 90 days.