Best Bank Promotions without Direct Deposit
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Looking for a new bank account? Check out these promotions with no direct deposit needed. See what banks will give you money, even without direct deposit.
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Trying to snag a bank bonus can be a hassle, especially when they throw a direct deposit requirement into the mix. It could even be discouraging enough to make you give up the bonus.
Well, don't worry. There are a few banks and credit unions out there that offer some pretty generous promotions without needing direct deposits.
Check out this list to compare the best deals on checking, savings, and even business accounts - all with no direct deposit required. So go ahead and snag that bonus with fewer hurdles in your way!
Promotions Without Direct Deposit Required
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
Chase Business Complete Banking® - $300 Bonus
- Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
- Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
- Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account.
- Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Trusted and secure financial partner. We're committed to helping you grow and protect your business.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
Chase Private Client Checking℠ - Up to $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000. - No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
Silver Business Checking Package - Up to $800 Bonus
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 30, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $300.
- Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
- Complete $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Minimum Deposit to Open: $100
Gold Business Checking Package - Up to $800 Bonus
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 30, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $300.
- Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
- Complete $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Minimum Deposit to Open: $100
Platinum Business Checking Package - Up to $800 Bonus
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 30, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $300.
- Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
- Complete $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Minimum Deposit to Open: $100
Basic Business Checking - Up to $400 Bonus
- Business owners get up to $400 welcome bonus!*
- Open a business checking account by October 31 and get up to $400 when you use promo code NEW400 on your application.*
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
Business Interest Checking - 1.01% APY
- Business owners get up to $400 welcome bonus!*
- Open a business checking account by October 31 and get up to $400 when you use promo code NEW400 on your application.*
- Up to 1.01% APY**
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 100 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
- Free online banking, image statements, and Bill Pay
- Minimum Deposit to Open: $100
Discover® Online Savings - $150 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
CIT Bank Money Market Account - 1.55% APY
- 1.55% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
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Top Checking Account Bonuses
Here are the best bank promotions without direct deposit requirements:
- Chase Secure Banking℠:
$100 Bonus - Wells Fargo:
Personal Checking Account - $2,500 Bonus - 4Front Credit Union:
Personal Checking Account - $400 Bonus - Valley National Bank:
Personal Checking Account - $150 Bonus - Community Credit Union Florida:
Personal Checking Account - $125 Bonus - Diversified Members Credit Union:
Personal Checking Account - Up to $120 Bonus - Stanford Federal Credit Union:
Personal Checking Account - $100 Bonus - Starion Bank:
Personal Checking Account - $100 Bonus - Freedom Federal Credit Union:
Personal Checking Account - $100 Bonus - BMI Federal Credit Union:
Personal Checking Account - $300 Bonus - Old Second Bank:
Personal Checking Account - $200 Bonus - Ent Credit Union:
Personal Checking Account - $200 Bonus - Firstrust Bank:
Personal Checking Account - 35,000 Bonus Points - Star One Credit Union:
Personal Checking Account - $200 Bonus - Rockland Trust Bank:
Personal Checking Account - $250 Bonus
Popular Savings Account Offers
- Discover® Online Savings:
$200 Cash Bonus - Ally Bank:
Online Savings Account - 4.20% APY - Synchrony Bank:
High Yield Savings - 4.50% APY - Popular Direct Savings Account:
5.01% APY - Regions Bank:
LifeGreen Savings Account – Up to $100 Annual Savings Bonus - MidFirst Bank:
iSave Savings Account - $25 Bonus - Greater Nevada Credit Union:
Savings Account - $25 Bonus - Old Second Bank:
Personal Checking Account - $200 Bonus
Best Business Account Promotions
- Chase Business Complete Banking®:
$300 Bonus - US Bank:
Silver Business Checking Package - Up to $800 Bonus - Citibank Business Checking:
Up to $2,000 Bonus - PNC Bank:
Business Checking Account - $1,000 Bonus - Axos Bank:
Basic Business Checking - Up to $400 Bonus
Getting Paid Without Direct Deposit
Direct deposit makes it easy to receive payments. But there are other ways to get paid too if you don't want to set up direct deposit.
- Paper checks: With mobile check deposits, it's easy to snap a photo of a check and deposit it into your bank account, right from the app.
- Electronic transfers: Platforms like PayPal allows businesses to send money to an employee's personal account.
- Payroll cards: This is a prepaid card (by Visa or Mastercard) where the employer can load the employee's wages. You can use it just like a debit card.
Bottom Line
These are some of the best bank promotions without direct deposit. Whether it's bonus money for opening a new account, lower fees or a higher interest, you're sure to find something in this list. And if you're hungry for more, check out our full list of the current best bank promotions.
Write to Kevin L at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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