If I use my middle name or nickname in my application, will I still receive the reward?

Your first name, last name and email address must match exactly between your Finder and BMO accounts. A middle name is fine, but don't use a nickname—that could make you ineligible.

What counts as a new BMO customer?

A new customer includes customers that currently have—or recently closed—a BMO chequing or savings account between the promotion period (January 1 to February 28, 2026). This includes accounts like the Primary Chequing, Interest Chequing, Premium Rate Savings, Smart Saver, Savings Builder, or Savings Amplifier. (See the BMO Everyday Banking Offer Terms and Conditions.)

Do I need to do anything after applying?

Just make sure you follow the steps above—especially logging in to your Finder account first. You will receive an email from Tremendous with a link to activate your digital Visa card.

What if I'm opening a joint account?

Both account holders must be eligible new BMO customers. If either person is an existing BMO customer, no one on the joint account will qualify.

What is the monthly fee—and how can I get it waived?

The account has a $17.95 CAD monthly fee. The monthly account fee is waived if you maintain a minimum daily balance of at least $4,000.

Where can I use the digital Visa card?

The digital Visa card can be used for online purchases just as you would use a credit card. There is no billing address associated with the card. You may enter your own address when shopping online.

How do I receive the digital Visa card?

You'll get an email from Tremendous, our rewards partner with a link to redeem your reward. Shortly after you have redeemed your reward, you will receive an email with a link to your digital Visa card.

How long do I have to use the card?

The reward must be activated on the Tremendous website within 12 months of being issued. The digital Visa card has a 6-month expiration date once activated.

I haven't received my reward—who do I contact?

Email us at help-ca@finder.com and we'll look into it. Please get in touch within 3 months of opening your account.

Can I combine this with other BMO promotions?

Yes! This Finder reward can be combined with other BMO offers (unless stated otherwise).

Who is Tremendous and is it safe?

Yes, Tremendous is legit. It's a trusted rewards platform used by Google, Visa, MIT and more. They've sent over $1 billion in rewards and use bank-grade security to protect your info.

Why is Finder offering this? What's the catch?

It's for anyone who wants to be rewarded for switching or signing up to something new, likes getting more value from smart money decisions and enjoys exclusive perks that aren't available elsewhere. There's no catch. Finder earns a small referral fee if you open the account through us—and in return, we pass a reward on to you. It's one of the many perks of being a Finder member.