July 26, 2018

Bank Promotions without Direct Deposit

Read more about Bank Promotions
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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 August 2018

    HSBC Bank

    HSBC Premier Checking

    • Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.
    • Open your new HSBC Premier checking account online by August 31, 2018; and
    • Deposit a minimum Qualifying Balance of $100,000 or more in New Money in combined checking, savings, and/or eligible investment accounts within 30 calendar days of account opening; and
    • Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance.
    • You will automatically receive the $750 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
    • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
    Expires 8/31/2018

    HSBC Bank

    HSBC Advance Checking

    • Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities.
    • Open your new HSBC Advance checking account online by August 31, 2018; and
    • Deposit a minimum Qualifying Balance of $10,000 or more in New Money in combined checking and savings accounts within 30 calendar days of account opening; and
    • Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance.
    • You will automatically receive the $350 Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple.
    • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
    Expires 8/31/2018

    HSBC Bank

    HSBC Direct Savings

    • Earn 1.80% APY on all balance tiers
    • No monthly maintenance fee
    • Minimum balance to earn APY is $1
    • Member FDIC
    CIT Bank

    Premier High Yield Savings Account

    • 1.55% APY
    • $100 Minimum Opening Deposit
    • No Fees to Open or Maintain Account
    • Daily Compounding Interest
    • No Minimum Daily Balance Requirement
    • FDIC Insured
    CIT Bank

    Money Market Account

    • 1.85% APY
    • $100 Minimum Opening Deposit
    • No monthly maintenance fee
    • FDIC Insured
    Synchrony Bank

    High Yield Savings

    1.85% APY. $0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
    • Great Rates + Safety = Peace of Mind
    • Member FDIC

More Bank Promotions with No Direct Deposit Requirement

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    Ally Bank

    Online Savings Account

    1.80% APY on all balance tiers. $0 minimum opening deposit. No fees to open or maintain account. No minimum daily balance requirement.
    • Consistently Competitive Rates
    • 24/7 Customer Care
    • Ally Bank, Member FDIC
    Barclays

    Online Savings Account

    1.85% APY. No monthly maintenance fees. No minimum balances to open.
    • A rate that's 21x better than the national average
    • No minimum balance and no hidden fees
    • Link directly to any existing bank account
    KeyBank

    Key Gold Money Market Savings Account – 15,000 Reward Points

    Earn 15,000 KeyBank Relationship Rewards® points when you open a new Key Gold Money Market Account. You must first have or open a checking account and enroll in KeyBank Relationship Rewards. Minimum opening deposit for the Money Market account is $25,000. The monthly service fee of $18/month is waived if you maintain a daily balance of $25,000 AND have a relationship package checking account. Available to residents of AK, CO, CT, FL, ID, ME, MA, MI, NY, OH, OR, PA, UT, VT, and WA.

    Capital One

    Capital One 360 Checking - $25 offer

    Get $25 when you open an account with an initial deposit of at least $250 AND do one of the following: make 3 debit card purchases or Person2Person payments within 45 days of account opening. The $25 bonus will be deposited into your account on Day 50. Only available for new Capital One 360 customers.

    Citizens Bank

    GoalTrack Savings Program – up to $250 in Gift Cards

    Add the GoalTrack Savings programs to any eligible Citizens Bank savings account and be rewarded for reaching your goals. Select a target timeframe and monthly savings goal amount. If you achieve your goal, you will receive a gift card. The amount varies based on your monthly savings and the timeframe. To get the minimum bonus, you must save at least $25/month for 8 months (above your existing balance). The most you can receive is a $250 gift card if you save $400/month for 36 months (above your existing balance). Only available to residents of CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT.

    Capital One

    Capital One 360 Saving - $25 offer

    Get $25 when you open an account with an initial deposit of at least $250. The $25 bonus will be automatically deposited into your account upon opening. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers.

    Popular Direct

    Exclusive Savings Account

    • 2.00% APY
    • $5,000 Minimum Opening Deposit
    • $4 monthly service fee; waived with a daily minimum balance of $500
    • Daily Compounding Interest
    • FDIC Insured
    US Bank

    SMART Savings Program – up to $100 Cash Bonus

    You must open a new personal Silver Checking Package AND open or be an existing user of Package Money Market Savings. Enroll in the SMART Savings Program within 90 days of account opening and make a qualifying transfer from your Silver Checking Package to the Package Money Market Savings account. You will earn 1% bonus on gas and grocery purchases made with your debit card associated with the Silver Checking Package, up to $50. PLUS you will earn another $50 bonus when you reach your savings goal. Minimum opening deposit is $25 for both accounts and both must remain open for 12 months after enrollment.

    SunTrust Bank

    SunTrust Business Checking - $200 Cash Bonus

    Earn $200 when you open a SunTrust business checking account and receive at least $1,500 in qualifying deposits within 30 days of account opening. Account must stay open for at least 180 days. The accounts eligible for this promotion are: Simple Business Checking, Primary Business Checking, and Business Advantage Plus. Available to residents of AL, AR, GA, FL, MD, MS, NC, SC, TN, VA, WV and DC.

    Expires 10/15/2018
    Capital One

    Capital One 360 Money Market - $25

    Get $25 if you make an initial deposit of $250 - $9,999.99. The bonus will be automatically deposited into your account upon opening. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers.

    KeyBank

    Key Short Term CD Account – 10,000 Reward Points

    Earn 10,000 KeyBank Relationship Rewards® points when you open a new Key Short Term CD Account. You must first have or open a checking account and enroll in KeyBank Relationship Rewards. Clients with Key Advantage Checking, Key Privilege Checking, or Key Privilege Select Checking are eligible for a higher Relationship Reward APY rate. Minimum balance for the Short Term CD account is $2,500. Terms go from 7 days to less than 6 months. Available to residents of AK, CO, CT, FL, ID, ME, MA, MI, NY, OH, OR, PA, UT, VT, and WA.

    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.

    Capital One

    Capital One 360 Money Market - $100

    Get $100 if you make an initial deposit of $10,000 or more. The bonus will be automatically deposited into your account upon opening. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers.

    KeyBank

    Key Tiered CD Account – 10,000 Reward Points

    Earn 10,000 KeyBank Relationship Rewards® points when you open a new Key Tiered CD Account. You must first have or open a checking account and enroll in KeyBank Relationship Rewards. Clients with Key Advantage Checking, Key Privilege Checking, or Key Privilege Select Checking are eligible for a higher Relationship Reward APY rate. Minimum balance for the Tier CD account is $2,500. Terms go from 6 months to 10 years. Available to residents of AK, CO, CT, FL, ID, ME, MA, MI, NY, OH, OR, PA, UT, VT, and WA.

    KeyBank

    Key Jumbo CD Account – 10,000 Reward Points

    Earn 10,000 KeyBank Relationship Rewards® points when you open a new Key Jumbo CD Account. You must first have or open a checking account and enroll in KeyBank Relationship Rewards. Clients with Key Advantage Checking, Key Privilege Checking, or Key Privilege Select Checking are eligible for a higher Relationship Reward APY rate. Minimum balance for the Jumbo CD account is $100,000. Terms go from 7 days to 10 years. Available to residents of AK, CO, CT, FL, ID, ME, MA, MI, NY, OH, OR, PA, UT, VT, and WA.

    Associated Bank

    Associated Advantage Money Market Account – $100 Cash Bonus

    Earn $100 when you open an Associated Advantage Money Market Account with a minimum deposit of $10,000. The amount must remain on deposit for at least 90 days in order to receive the bonus. The bonus will be deposited within 120 days of account opening. Account must remain open for at least 12 months.

    Expires 12/31/2018
    Fifth Third Bank

    Essential Checking Account - $200 Bonus

    Earn a $200 bonus when you open a new Fifth Third Essential Checking® account and reach a balance of $500 or more and then maintain a balance of at least $500 for 60 days from the date the balance requirement is reached.

    Expires 9/30/2018
    PNC Bank

    Business Checking - $100 Bonus

    Earn $100 when you open a new Business Checking account and do the following: Maintain the minimum average cycle balance of $1,500 for each of the first 3 statement cycles and make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits within the first 3 statement cycles. Terms Apply

    Expires 9/14/2018
    PNC Bank

    Business Checking Plus - $200 Bonus

    Earn $200 when you open a new Business Checking Plus account and do the following: Maintain the minimum average cycle balance of $5,000 for each of the first 3 statement cycles and make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits within the first 3 statement cycles. Terms Apply

    Expires 9/14/2018
    PNC Bank

    Business Checking Preferred - $300 Bonus

    Earn $300 when you open a new Business Checking Preferred account and do the following: Maintain the minimum average cycle balance of $25,000 for each of the first 3 statement cycles and make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits within the first 3 statement cycles. Terms Apply

    Expires 9/14/2018
    Citizens Bank

    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.

    Columbia Bank (NJ)

    Free Business Checking Account – up to $110 Cash Bonus

    Open a Free Business Checking account and get the chance to earn up to $110 bonus. Earn $50 when you pay bills using Columbia Business Online Banking within 60 days of account opening. AND earn $50 when you make 5 purchases with your Columbia Business Debit Card within 60 days of account opening. PLUS earn $10 when you bring in your unused business checks and/or debit card to a local branch. Columbia Bank's Free Business Checking has no account minimum, no service fee, and 1,000 free monthly transactions. Minimum $50 to open account. Available to residents of New Jersey.

    SunTrust Bank

    Select Savings – Up to $25 Annual Savings Bonus

    Earn a 1% annual savings bonus (up to a maximum of $25) when you open a Select Savings Account and link it with a Select Checking or Signature Advantage Checking account. The monthly service fee is waived with a $25/mo automatic transfer from a SunTrust personal checking account OR by maintaining a $1,000 daily minimum balance. Your bonus is based on the average monthly balance for 12 months. The maximum bonus is $25. Available to residents of AL, AR, GA, FL, MD, MS, NC, SC, TN, VA, WV and DC.

    Bank of America

    Free Merrill Edge trades

    Get 30 free stock and ETF trades a month at Merrill Edge, if you have reached Platinum status by maintaining $50,000 combined balance in your Bank of America® banking and/or Merrill Edge® and Merrill Lynch® investment accounts.

    PNC Bank

    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.

    Capital One

    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 Bank

    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.

Disclaimer: Opinions expressed here are those of the author's alone. Please support CreditDonkey on our mission to help you make savvy financial decisions. Our free online service 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.

Disclaimer: This content was first published on July 26, 2018. Information including rates, fees, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check the bank's website for updated information.

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CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.