July 26, 2018

Bank Promotions without Direct Deposit

Read more about Bank Promotions

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 July 2020

    CIT Bank

    CIT Bank Money Market Account - 1.00% APY

    • 1.00% APY
    • $100 minimum opening deposit
    • No monthly maintenance fee
    • FDIC insured
    Chase

    Chase Total Business Checking®

    • 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
    Axos Bank

    Rewards Checking

    • Up to 1.25% APY
    • No minimum balance requirements
    • No fees to open or maintain account
    • Overdraft Protection

More Bank Promotions with No Direct Deposit Requirement

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    Ally Bank

    Online Savings Account - 1.10% APY

    $0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.

    High Yield Savings - 1.05% APY

    $0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.

    Yield Pledge Checking

    • 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

    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.

    Expires 1/5/2021

    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.

    Expires 1/5/2021
    HSBC

    HSBC Direct Savings - 1.01% APY

    • Earn 1.01% APY on all balance tiers
    • No monthly maintenance fee
    • Minimum balance to open account is $1
    • Member FDIC

    Plus Savings Account

    • 1.05% APY
    • $5,000 Minimum Opening Deposit
    • $4 monthly service fee; waived with a daily minimum balance of $500
    • Daily Compounding Interest
    • FDIC Insured

    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.

    Expires 1/5/2021

    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.

    Expires 1/5/2021

    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.

    Expires 9/30/2020

    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.

    Expires 9/30/2020

    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.

    Expires 9/30/2020

    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.

    Expires 9/30/2020

    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.

    Expires 9/30/2020

    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.

    Expires 9/30/2020
    Huntington

    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.

    Expires 10/7/2020

    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.

    Expires 9/30/2020

    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.

    Expires 9/30/2020

    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.

    Expires 9/30/2020

    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.

    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.

    Free Merrill Edge Trades

    Get free stock and ETF trades a month at Merrill Edge if you have reached Gold, Platinum, or Platinum Honors status by maintaining the qualified combined balance in your Bank of America® banking and/or Merrill Edge® and Merrill Lynch® investment accounts.

    Refer a Co-Worker – $100 for Each Referral

    Available to existing participants of PNC WorkPlace Banking. Earn $100 for every co-worker who opens an eligible WorkPlace Banking checking account. Your friend also gets a reward. Your friends must use your referral coupon when they apply. You can earn this bonus for up to 10 referrals per year, for a total of up to $1,000.

    Refer a Friend Program - $20 for Each Referral

    Receive $20 for each friend who opens a Capital One 360 account using your referral link. Get your unique referral link by logging into your account and visiting the “Refer a Friend” section. The bonus is paid for the first 50 friends who open an account, for a total of up to $1,000. Those referred must open an account with at least $250 initial deposit.

    Regions Refer a Friend - $50 Visa® Reward Card

    Get a $50 Visa® Reward Card when a friend opens a new Regions personal LifeGreen® checking account or business checking account. Your referred friend cannot be an existing Regions checking customer, and must complete all requirements in order for you to receive the reward.

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