Bank Promotions Without Direct Deposit
Looking for a new checking, savings or business bank account? Check out these promotions with no direct deposit needed.
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Direct deposit requirements are one of the biggest obstacles when signing up for bank bonus. For checking accounts, you might even need a certain minimum balance or direct deposit to waive the monthly fee.
And now, a few banks and credit unions are offering generous promotions with no direct deposit required.
Read this review to compare the best deals for checking/savings and money market accounts, and even business checking accounts.
Promotions Without Direct Deposit Required
CIT Bank Money Market Account - 0.45% APY
- 0.45% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- FDIC insured
- Minimum Deposit Required: $100
Rewards Checking - Up to 1.25% APY
- Up to 1.25% APY
- No minimum balance requirements
- No fees to open or maintain account
- Overdraft Protection
- Minimum Deposit Required: $50
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.
- More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card
- Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
- Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
- Alerts to help you stay on top of your account activity.
- Easy account management through Chase Business online and the Chase Mobile® app.
- Unlimited electronic deposits, ACH and Chase Quick Deposit℠.
- Convenient access to 16,000 ATMs and more than 4,700 branches.
- Minimum Deposit to Open: None
- Direct Deposit Required: No
- Minimum Deposit Required: $2,000 within 30 business days
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Top Checking Account Bonuses
Citibank: Citi Priority Account - Up to $1,500 Cash Bonus
- Earn up to $1,500 cash bonus when you open a new account with required activities
- Open a new eligible checking account in the Citi Priority Account during the offer period 7/1/21-10/4/21
- Within 20 days of opening, deposit $200,000 in New-To Citibank funds between the new checking and savings accounts
- Maintain a minimum balance of $200,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
- After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days
- Minimum Deposit to Open: $200,000
Citibank: Citi Priority Account - $700 Cash Bonus
- Earn $700 cash bonus when you open a new account with required activities
- Open a new eligible checking account in the Citi Priority Account during the offer period 7/1/21-10/4/21
- Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
- Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
- After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days
- Minimum Deposit to Open: $50,000
Citibank: Citi Priority Account - $300 Cash Bonus
- Earn $300 cash bonus when you open a new account with required activities
- Open a new eligible checking account in the Citi Priority Account during the offer period 7/1/21-10/4/21
- Within 20 days of opening, deposit $15,000 in New-To Citibank funds between the new checking and savings accounts
- Maintain a minimum balance of $15,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
- After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days
- Minimum Deposit to Open: $15,000
TIAA Bank: Yield Pledge Checking
- 1-year 0.10% 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
Citibank: Citi Account Packages - Up to $1,500 Bonus
Earn up to $1,500 cash bonus with required activities. Open a new eligible checking account and savings account in the same account package for Citigold, Citi Priority, and Citi Account Package. Within 20 days of account opening, fund your new checking and/or savings account with the required minimum deposit. Maintain the required minimum balance in the account/s for additional 60 consecutive calendar days from the 21st day to earn corresponding cash bonus.
| Account Package | Minimum Deposit and Minimum Balance | Cash Bonus |
|---|---|---|
| Citigold | $200,000 | $1,500 |
| Citi Priority Account | $50,000 | $700 |
| Citibank Account | $15,000 | $300 |
Citibank: Citigold Package - Up to $1,500 Bonus
Earn up to $1,500 cash bonus with required activities. Open a new eligible checking and savings account in the Citigold Account Package. Within 20 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.
Citibank Account Package - $300 Bonus
Earn $300 cash bonus with required activities. Open a new eligible checking and savings account in the Citibank Account Package. Within 20 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.
Waukesha State Bank: Checking Account - $100 Bonus
Open a qualifying checking account using promo code DDA100GEO21 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.
BMI Federal Credit Union: Free Checking Account - $150 Bonus
Open a new Free Checking account using promo code NEWCHK21. 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.
BMI FCU is open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County in Ohio.
Ent Credit Union: Personal Checking Account - $200 Bonus
Open a new qualifying checking account using promo code CH200A. 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.
Tower Federal Credit Union: Prime Share Account - $100 Bonus
Open a new Prime Share account online or in branch. Use promo code CVD2021 at account opening. $100 bonus will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.
Tower Federal Credit Union: Prime Share Account - $100 Bonus
Open a new Prime Share account online or in branch. Use promo code CWFGOLF2021 at account opening. $100 bonus will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.
Regions Bank: Personal Checking Account - $200 Bonus
Open a new personal LifeGreen Checking account. Use promo code WINTER2021 when you open online, or register and present your personalized email voucher when you open your account at a local branch. Maintain an average daily balance of at least $500 for the first 60 days after account opening.
Firstrust Bank: Personal Checking Account - $100 Bonus
Open a new FirstPay Eagles Premier Checking account. Make a Visa purchase of $100 or more within 60 days of new account opening. 10,000 bonus points will be given within 60 days of completing requirements. Bonus points can be redeemed for $50 gift card for every 5,000 points.
Firstrust Bank: Personal Checking Account - $50 Bonus
Open a new FirstPay Eagles Checking account. Make a Visa purchase of $100 or more within 60 days of new account opening. 5,000 bonus points will be given within 60 days of completing requirements. Bonus points can be redeemed for $50 gift card for every 5,000 points.
Local First Bank: 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.
Fort Hood National Bank: 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.
Arizona Federal Credit Union: Personal Checking Account - $100 Bonus
Open a new checking account using promo code PHXRISING. Complete 10 or more debit card transactions within 45 days of account opening.
Community Credit Union Florida: 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 20 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Paradise Valley Credit Union: Personal Checking Account - $100 Bonus
Open a new qualifying PVFCU checking account. Apply for a debit card and complete at least 5 eligible debit card transactions posted to the account within 60 days of account opening.
Spire Credit Union: Personal Checking Account - $100 Bonus
Get $100 when you open a Spire Free Checking account.
Stanford Federal Credit Union: 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.
Freedom Federal Credit Union: Personal Checking Account - $100 Bonus
Offer is valid only to members of Harford County Association of REALTORS (HCAR). Open a new qualifying checking account. Deposit $100 or more within 90 days to get bonus. Checking account must be opened along with a new Freedom Retail/Consumer membership.
Community Credit Union Florida: Personal Checking Account - $125 Bonus
This offer is available to school employees only. Open a new qualifying checking account using promo code MK-125. To qualify for $125 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 20 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Valley National Bank: Personal Checking Account - $150 Bonus
Open a new Valley My Choice Checking account with minimum opening deposit of $25. Receive $75 for activating Mobile Banking. Receive $75 for either completing a minimum of 20 debit card transactions of at least $5 OR for enrolling in online banking and completing three online bill payment transactions. Activities must be completed within 60 days of account opening to receive bonuses. Account must be enrolled in paperless statements with in the first 60 days of account opening.
Palisades Federal Credit Union: Personal Checking Account - $300 Bonus
Open a new Palisades Checking account and deposit $15,000 or more on account opening. Maintain at least $15,000 in account for 90 days. Bonus will be deposited to your account within 30 business days after completing requirements.
Diversified Members Credit Union: Personal Checking Account - Up to $120 Bonus
Open a Give Back Credit Union Rewards Checking account. Get $10 deposited monthly to your checking account when you complete the following: have at least 15 debit card transactions every month, and be enrolled in online banking and eStatements.
Abington Bank: Personal Checking Account - Up to $200 Bonus
Open a new Green Checking or NOW checking account. Earn $100 when you set up qualifying direct deposits of at least $25 or activate online banking, and complete 5 qualifying debit card transactions within 60 days of account opening. Earn $50 when you make 5 bill payments using online banking and enroll in eStatements within 60 days of account opening. Earn $50 when you keep your account open and in good standing for 12 months or more.
Valley National Bank: Personal Checking Account - Up to $240 Bonus
Open a new Valley All Access Rewards Checking account with minimum opening deposit of $100. Receive a cumulative total of $750 or more in qualifying direct deposits per month. Reward is paid over 12 month period, $20 each month.
Campus USA Credit Union: Rising Star Checking Account - $100 Bonus
Open a new Rising Star Checking account. Have at least 3 debit card transactions per month for 3 months.
Rising Star Checking account is designed specifically for kids aged 13-17. Adult Joint Owner required. Joint owner must be 18 years or older. Bonus will be deposited to the checking account after the third month of required usage.
Popular Savings Account Offers
Ally Bank: Online Savings Account - 0.50% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
- Minimum Deposit Required: $0
Synchrony Bank: High Yield Savings - 0.50% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
- Minimum Deposit Required: $0
Popular Direct: Plus Savings Account
- 0.45% APY
- $5,000 Minimum Opening Deposit
- $4 monthly service fee; waived with a daily minimum balance of $500
- Daily Compounding Interest
- FDIC Insured
- Minimum Deposit Required: $5,000
Citibank: Citi Savings Account - Up to $2,000 Bonus
Earn up to $2,000 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit qualifying new-to-Citibank funds within 20 days of opening savings account. Maintain the qualifying balance in the account for 60 consecutive days from the date the minimum deposit is reached to receive corresponding cash bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
| Minimum Deposit and Minimum Balance | Cash Bonus |
|---|---|
| $10,000 - $24,999 | $20 |
| $25,000 - $49,999 | $50 |
| $50,000 - $99,999 | $100 |
| $100,000 - $249,999 | $200 |
| $250,000 - $499,999 | $500 |
| $500,000 - $999,999 | $1,000 |
| $1,000,000+ | $2,000 |
Citibank: Citi Savings Account - $1,000 Bonus
Earn $1,000 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit $500,000 - $999,999 new-to-Citibank funds within 20 days of opening savings account. Multiple deposits allowed. Maintain $500,000 - $999,999 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.
Citibank: Citi Savings Account - $100 Bonus
Earn $100 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit $50,000 - $99,999 new-to-Citibank funds within 20 days of opening savings account. Multiple deposits allowed. Maintain $50,000 - $99,999 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.
Citibank: Citi Savings Account - $2,000 Bonus
Earn $2,000 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit $1,000,000 or more new-to-Citibank funds within 20 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 $2,000 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $20 Bonus
Earn $20 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit $10,000 - $24,999 new-to-Citibank funds within 20 days of opening savings account. Multiple deposits allowed. Maintain $10,000 - $24,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $20 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $200 Bonus
Earn $200 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit $100,000 - $249,999 new-to-Citibank funds within 20 days of opening savings account. Multiple deposits allowed. Maintain $100,000 - $249,999 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.
Citibank: Citi Savings Account - $50 Bonus
Earn $50 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit $25,000 - $49,999 new-to-Citibank funds within 20 days of opening savings account. Multiple deposits allowed. Maintain $25,000 - $49,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $50 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $500 Bonus
Earn $500 cash bonus with required activities. Open a new eligible Citi Savings account. Client must enroll in this offer at the same time they open the eligible Citi Savings account. Deposit $250,000 - $499,999 new-to-Citibank funds within 20 days of opening savings account. Multiple deposits allowed. Maintain $250,000 - $499,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $500 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
HSBC Direct Savings - 0.15% APY
- Earn 0.15% APY on all balance tiers
- No monthly maintenance fee
- Minimum balance to open account is $1
- Member FDIC
- Minimum Deposit Required: $1
Regions Bank: 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.
MidFirst Bank: 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.
Republic Bank of Chicago: Savings Account - $250 Bonus
This offer is available to military veterans and service members only. Open a new Freedom Savings account with minimum opening deposit of $25. Maintain a minimum balance of $2,500 for three consecutive months in your savings account and receive bonus. This offer requires the customer to call or visit a banking center to talk with a personal banker/manager to obtain bonus.
Best Business Account Promotions
PNC Bank: 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.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has received a promotional premium in the past 12 months are not eligible for this offer. $200 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
- Direct Deposit Required: No
- Minimum Deposit Required: $5,000 within 30 days
PNC Bank: 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.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has received a promotional premium in the past 12 months are not eligible for this offer. $500 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
- Direct Deposit Required: No
- Minimum Deposit Required: $30,000 within 30 days
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. More even more bank promotions, check out this page.
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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