Bank Promotions without Direct Deposit
View list of the best bank bonuses available now without a direct deposit requirement.
Looking for a new checking, savings or business bank account? Check out these promotions with no direct deposit needed.
Check back frequently for the updated list of bonus offers. Be sure to read the details for the eligibility requirements.
Bank Promotions Without Direct Deposit for September 2020
- 0.60% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- FDIC insured
- Get $300 as a new Chase business checking customer, when you open a Chase Total Business Checking® account with qualifying activities
- Access to 16,000 ATMs and nearly 4,900 Chase branches
- Chase has business specialists at your local branch to help with your business needs
- Account Alerts are a great way to stay on top of your account's activity and enhance security
- Unlimited electronic deposits at no charge, including Chase QuickDeposit℠, ACH and ATM
- Enjoy a $150 bonus when you open a new Chase Savings℠ account, deposit a total of $10,000 or more in new money within 20 business days, and maintain a $10,000 balance for 90 days
- Access to 16,000 Chase ATMs and nearly 4,900 branches
- Link this account to your Chase checking account for Overdraft Protection.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- Open your account online now.
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Enjoy a $2,000 bonus when you join Chase Private Client. Within 45 days, transfer a total of $250,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, (excludes: any You Invest℠, J.P. Morgan retirement accounts and CDs) and maintain the balance for at least 90 days. Offer available to existing Chase customers only.
- Experience a banking relationship that brings you more
- A team dedicated to you
- Banking with fewer fees
- Visit your nearest CPC branch
- Email my upgrade code
- Available in: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV
- Up to 1.25% APY
- No minimum balance requirements
- No fees to open or maintain account
- Overdraft Protection
CIT Bank Money Market Account - 0.60% APY
Chase Total Business Checking®
Chase Savings℠
Chase Private Client
Rewards Checking
More Bank Promotions with No Direct Deposit Requirement
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- 1-year 0.40% intro APY on balances up to $250,000
- $5,000 Minimum Opening Deposit
- No monthly service fee
- U.S. ATM fees reimbursement (unlimited with minimum average daily balance of $5,000; otherwise up to $15/monthly)
- Top 5% yields always
- Daily Compounding Interest
- FDIC insured
- Earn 0.50% APY on all balance tiers
- No monthly maintenance fee
- Minimum balance to open account is $1
- Member FDIC
- 0.75% APY
- $5,000 Minimum Opening Deposit
- $4 monthly service fee; waived with a daily minimum balance of $500
- Daily Compounding Interest
- FDIC Insured
Online Savings Account - 0.60% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
High Yield Savings - 0.75% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
Yield Pledge Checking
Citigold Package - $1,500 Bonus
Open a new eligible checking and savings account in the Citigold Account Package.
Within 30 days of opening your account, deposit $200,000 New-to-Citibank funds into the checking and/or savings account.
Maintain a minimum balance of $200,000 between the checking and/or savings accounts for 60 consecutive calendar days.
Citi Priority Package - $700 Bonus
Open a new eligible checking and savings account in the Citi Priority Account Package.
Within 30 days of opening your account, deposit $50,000 New-to-Citibank funds into the checking and savings account.
Maintain a minimum balance of $50,000 between the checking and savings accounts for 60 consecutive calendar days.
HSBC Direct Savings - 0.50% APY
Plus Savings Account
Citi Account Package - $400 Bonus
Open a new eligible checking and savings account in the Citibank Account Package.
Within 30 days of opening your account, deposit $15,000 New-to-Citibank funds into the checking and savings account.
Maintain a minimum balance of $15,000 between the checking and savings account for 60 consecutive calendar days.
Citi Basic Banking Package - $200 Bonus
Open a new eligible checking account in the Basic Banking Package.
Within 30 days of opening your account, deposit $5,000 New-to-Citibank funds into the new checking account.
Maintain a minimum balance of $5,000 for 60 consecutive calendar days.
LifeGreen Savings Account – Up to $100 Annual Savings Bonus
Earn a 1% annual savings bonus (up to a maximum of $100) when you open a LifeGreen Savings Account AND have or open a Regions checking account. You must set up a monthly automatic transfer of at least $10 from your Regions checking account to LifeGreen Savings account. Your bonus is based on the average monthly balance for 12 months. The maximum bonus is $100. There is a minimum opening deposit of $50 if you apply online. Available to residents of AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN and TX.
Citi Savings Account - $3,500 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $1,000,000 or more new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $1,000,000 or more in account for 60 consecutive days from the date the minimum deposit is reached to receive $3,500 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citi Savings Account - $1,750 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $500,000 to $999,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $500,000 to $999,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $1,750 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citi Savings Account - $1,000 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $250,000 to $499,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $250,000 to $499,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $1,000 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citi Savings Account - $400 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $100,000 to $249,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $100,000 to $249,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $400 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citi Savings Account - $200 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $50,000 to $99,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $50,000 to $99,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $200 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citi Savings Account - $100 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $25,000 to $49,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $25,000 to $49,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $100 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Business Checking Account - $100 Bonus
Open an eligible business checking account with a minimum opening deposit of $25. $100 bonus will be credited 30-45 days after account opening.
Checking Account - $100 Bonus
Open a qualifying checking account using promo code DDA100GEO20 and get $100 bonus. The $100 bonus is valid only for the following checking accounts: Free Checking with Direct Deposit, Simple Checking, Senior Advantage Checking, Advantage Plus Checking, Interest Checking, Student Checking and Value Added Checking Plus.
Free Checking Account - $150 Bonus
Open a new Free Checking account using promo code CHECK20. Within 90 days of account opening, deposit at least $20, make a minimum of 30 Visa debit card transactions of at least $5/each, and sign up for electronic statements. Cash bonus of $150 will be deposited in the member's savings account within 10 business days after all qualifications have been met.
Personal Checking Account - $250 Bonus
Open a Firefly Free or Amplified Checking account using promo code GET250. Within 60 days of account opening, receive 2 or more direct deposits totaling at least $1,000 and make 20 or more debit card purchases total at least $300.
Personal Checking Account - $250 Bonus
Open a new Perfect Cents Checking or Prestige Checking account using promo code YOUFIRST. Make 30 qualifying purchases using your SAFE Visa® Debit Card in the first 90 days of account opening. Make 3 consecutive direct deposits of $300 or more in the first 120 days of account opening.
Personal Checking Account - $400 Bonus
Open a new Perfect Cents Checking or Prestige Checking account using promo code YOUFIRST. Make 30 qualifying purchases using your SAFE Visa® Debit Card in the first 90 days of account opening. Make 3 consecutive direct deposits of $1,000 or more in the first 120 days of account opening.
Student Checking Account - $100 Bonus
Get $25 credited to your account for every referred client opening a new checking account and receiving cumulative direct deposits of $500 or more within 90 days of account opening. Limit 20 referral rewards per customer.
Student Value Checking Account - $50 Bonus
Get $50 when you open a new Student Value Checking account using promo code STUDENT50. Minimum opening deposit is $10. Make 10 debit card purchases that post to your account within 60 days of account opening. Student Value Checking is available to students 14 through 25 years of age. Legal guardian co-owner required for those between 14–18 years old. Offer is only available to residents of NH, MA, RI, CT, DE, NY, NJ, or PA.
Personal Checking Account - $200 Bonus
Open a new qualifying checking account using promo code 109200. To qualify for bonus, complete the following within 30 days of account opening: meet membership and account qualifications, hold $5 in a savings account, make a minimum deposit of $100 into new checking account, and activate debit card.
Student Checking Account - $100 Bonus
Open a student checking account online using promo code SC100ONLINE20. This checking account is for students under age 26.
Personal Checking Account - $200 Bonus
Open a Rockland Trust Worry-Free Checking account online or in branch. Have four or more deposits totaling $2,000 or more post to the new checking account within the first 90 days of account opening. The bonus will be paid directly to your account by February 26, 2021. Account must be opened online or through one of the following Greater Boston Branches: Allston, Arlington, Boston, Brighton, Brookline, Burlington, Chestnut Hill, Dedham, Hyde Park, Jamaica Plain, Medford, Melrose, Milton, Needham, Newton, Newtonville, Norwood, Somerville, Waltham, West Roxbury, Westwood, Woburn High School, Woburn Main St.
Personal Checking Account - $100 Bonus
Open a new 360 Checking account using promo code CHECK100. Within 90 days of account opening, spend at least $300 using your Capital One 360 Checking debit card.
Personal Checking Account - $500 Bonus
Open a new Premier Checking account. Make a minimum of $15,000 or more in total deposits in your new checking account by the last day of the month of account opening. Maintain an average monthly account balance of at least $15,000 for 3 full calendar months immediately following the month of account opening.
Personal Checking and Money Market Savings Account - $600 Bonus
Open a new Premier Checking account. Make a minimum of $15,000 or more in total deposits in your new checking account by the last day of the month of account opening. Maintain an average monthly account balance of at least $15,000 for 3 full calendar months immediately following the month of account opening. Open a Choice Money Market Savings account and maintain it with your new Premier Checking account. Deposit a minimum of $10,000 by the last day of the account opening month and maintain an average monthly balance of at least $10,000 for 3 full calendar months after the month of account opening.
Personal Checking Account - $500 Bonus
Open a new Huntington 25 Checking account using offer code and make cumulative new money deposits into the checking account of at least $15,000 within 60 days of account opening. Account must remain open for at least 90 days. $500 will be deposited to your account within 14 business days after meeting requirements. This offer is only available to applicants residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia.
Business Checking Account - $200 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average cycle balance of $5,000 in your new checking account for each of the first three statement cycles. Make at least 20 qualifying PNC Bank Visa Debit card transactions within the first three statement cycles. $200 bonus will be credited to your new business checking account within 90 days after all conditions have been met. Offer only available to businesses with an annual revenue less than $5 million.
Business Checking Account - $500 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average cycle balance of $30,000 in your new checking account for each of the first three statement cycles. $500 bonus will be credited to your new business checking account within 90 days after all conditions have been met. Offer only available to businesses with an annual revenue less than $5 million.
Personal Checking Account - $200 Bonus
Open a new qualifying checking account. To qualify for bonus, complete the following within 30 days of account opening: meet membership and account qualifications, hold $5 in a savings account, make a minimum deposit of $100 into new checking account, and activate debit card.
Refer a Friend - Earn $150 for You, $150 for Your Friend
Open a new Free Checking account using promo code FRIEND20. Within 90 days of account opening, deposit at least $20, make a minimum of 30 Visa debit card transactions of at least $5/each, and sign up for electronic statements. Cash bonus of $150 will be deposited in the member's savings account within 10 business days after all qualifications have been met.
Rewards Checking Account - $200 Bonus
Open a Rewards Checking account using the promo code CAKE!. Use your debit card to make a purchase 15 times within the first 60 days of account opening.
Rewards Checking Account - $200 Bonus
Open a Rewards Checking account using the promo code SWEET. Use your debit card to make a purchase 15 times within the first 60 days of account opening.
SunTrust Money Market Account - $100 Bonus
Open a new SunTrust Advantage Money Market Savings account using promo code Q320ADVMMA. Deposit at least $10,000 in new money into the account within 30 days of account opening. Maintain at least $10,000 in the account for 90 days after account opening. You must have a personal SunTrust checking account to be eligible. The qualifying account must have a mailing address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia or the District of Columbia.
SunTrust Money Market Account - $300 Bonus
Open a new SunTrust Advantage Money Market Savings account using promo code Q320ADVMMA. Deposit at least $25,000 in new money into the account within 30 days of account opening. Maintain at least $25,000 in the account for 90 days after account opening. You must have a personal SunTrust checking account to be eligible. The qualifying account must have a mailing address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia or the District of Columbia.
SunTrust Money Market Account - $600 Bonus
Open a new SunTrust Advantage Money Market Savings account using promo code Q320ADVMMA. Deposit at least $100,000 in new money into the account within 30 days of account opening. Maintain at least $100,000 in the account for 90 days after account opening. You must have a personal SunTrust checking account to be eligible. The qualifying account must have a mailing address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia or the District of Columbia.
CollegeSaver Account - $1,000 Cash Bonus
Available to parents with a child under 12. To open, you must make an initial minimum deposit of: $25 if your child is under 6 years old, $500 if your child is over 6 but under 12. You must save the required monthly minimum each year: $25/month if your child is under 6 years old at time of account opening, $50/month if your child is over 6 but under 12 at time of account opening. You are allowed to skip one deposit per year. If the requirements are met, you will receive $1,000 bonus (plus interest) when your child turns 18. Only available to residents of CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT.
First@Work Banking Program - $100 Bonus
Open a new First Bank First@Work checking account. Activate debit card and enroll in rewards program within 45 days of account opening. Make at least one qualifying transaction with your First Bank debit card within 45 days of account opening.
Free Checking Account - $300 Bonus
Open a new Free Checking account using promo code C300. Minimum opening deposit is $50. Member must elect to receive eDocuments to be eligible for bonus. Membership is open to anyone in Alachua, Clay, Columbia, Gadsden, Jefferson, Lake, Leon, Madison, Marion, Sumter, Suwannee and Wakulla counties
Free Checking Plus Account - Up to $200 Bonus
Earn $100 Bonus by opening a Free Checking Plus account with minimum opening deposit of $100. Use promo code MOVE200. Complete at least 12 debit card purchases within 60 days of account opening. Earn an additional $100 by opening a Cash Back Visa or Platinum Visa credit card within the first 60 days of opening the Rivermark checking account.
Free Checking Plus Account - Up to $200 Bonus
Earn $100 Bonus by opening a Free Checking Plus account with minimum opening deposit of $100. Use promo code JOIN200. Complete at least 12 debit card purchases within 60 days of account opening. Earn an additional $100 by opening a Guaranteed Money Market within the first 60 days of opening your Rivermark membership.
iSave Savings Account - $25 Bonus
Open a new iSave savings account with minimum opening deposit of $25. Make 12 consecutive monthly deposits to your iSave account and MidFirst will match 50% (up to $25) of the average of your highest single deposit each month. iSave savings account is for anyone under age 17.
Kids Savings Account - $5 Bonus
Get $5 bonus when you open a CAMPUS Kids Savings Account using promo code S5. This savings account is for kids 17 years old and under. Joint owner must be 18 years or older.
Military Saves Account - Up to $100 Bonus
Open a new Military Saves account. FHNB will match the initial opening deposit amount up to a maximum of $100. To qualify for bonus, complete the following activities: make a minimum initial opening deposit of $20, maintain an FHNB checking account and Military Saves account for 12 consecutive months, make deposits to your Military Saves Account that, in total, are at least equal to the amount of the initial opening deposit for the 11 consecutive months that follow the month in which the initial opening deposit was made.
Personal Checking Account - $100 Bonus
Get $100 bonus when you open a new personal checking account within six months of graduation. Proof of graduation needed. Available to new Stanford FCU members only.
Personal Checking Account - $100 Bonus
Open select CCU Debit/Checking account using promo code MK-100. To qualify for $100 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 10 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
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