July 26, 2018

Bank Promotions Without Direct Deposit: January 2021

Read more about Bank Promotions

Looking for a new checking, savings or business bank account? Check out these promotions with no direct deposit needed.

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.

    CIT Bank
    Member FDIC

    CIT Bank Money Market Account - 0.50% APY

    • 0.50% APY
    • $100 minimum opening deposit
    • No monthly maintenance fee
    • FDIC insured
    • Minimum Deposit Required: $100
    Chase
    Member FDIC

    Introducing Chase Business Complete Banking℠ - $300 Bonus

    Expires 4/15/2021
    • 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
    • Convenient access to payment processing. 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 20 business days
    Axos Bank
    Member FDIC

    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

Check back frequently for the updated list of bonus offers. Be sure to read the details for the eligibility requirements.

© CreditDonkey

Top Checking Account Bonuses

    TIAA Bank: 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

    Citibank: Citi Account Packages - Up to $1,500 Bonus

    Open a new eligible checking account and savings account in the same account package for Citigold, Citi Priority, and Citi Account Package. Within 30 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 60 consecutive calendar days to earn corresponding cash bonus.

    Account PackageMinimum Deposit and Minimum BalanceCash Bonus
    Citigold Package$200,000$1,500
    Citi Priority Account Package$50,000$700
    Citibank Account Package$15,000
    $300

    Expires 4/1/2021

    Citibank: 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 4/1/2021

    Capital One: Personal Checking Account - Up to $250 Bonus

    Open a new 360 Checking account using promo code UPTO250. Make the qualifying spending requirement using your debit card within 90 days of account opening.

    Spend RequirementCash Bonus
    $1,500+$250
    $500.01-$1,500$150

    Expires in 2 days

    Capital One: Personal Checking Account - $250 Bonus

    Open a qualifying 360 Checking account using UPTO250. Spend $1,500.00 or more using your Capital One debit card within 90 days of account opening.

    Expires in 2 days

    Capital One: Personal Checking Account - $150 Bonus

    Open a qualifying 360 Checking account using UPTO250. Spend $500.01–$1,500.00 using your Capital One debit card within 90 days of account opening.

    Expires in 2 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.

    Expires 12/31/2021

    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.

    Expires 12/31/2021

    Capital One: Personal Checking Account - $100 Bonus

    Open a qualifying 360 Checking account using promo code BANK100. Complete transactions of $300 or more using your debit card within 90 days of account opening.

    Expires in 2 days

    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 10 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.

    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.

    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.

    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 10 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.

    Firstrust Bank: Personal Checking Account - $150 Bonus

    Open a new FirstPay Eagles Checking account. Make a Visa purchase of $100 or more within 60 days of new account opening. 15,000 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.

    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.

    Firstrust Bank: Personal Checking Account - $200 Bonus

    Open a new FirstPay Eagles Premier Checking account. Make a Visa purchase of $100 or more within 60 days of new account opening. 20,000 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.

    Novo: Personal Checking Account - $25 Bonus

    Open a new Novo checking account. Deposit $50 or more into your new account. $25 bonus will be distributed within 10 business days after funding your account.

    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

    Ally Bank: Online Savings Account - 0.50% APY

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

    Synchrony Bank: High Yield Savings - 0.60% APY

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

    Citibank: Citi Savings Account - Up to $3,000 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 qualifying new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. 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 BalanceCash Bonus
    $25,000 - $49,999$75
    $50,000 - $99,999$150
    $100,000 - $249,999$300
    $250,000 - $499,999$750
    $500,000 - $999,999$1,500
    $1,000,000+$3,000

    Expires 3/31/2021
    HSBC
    Member FDIC

    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

    Popular Direct: Plus Savings Account

    • 0.55% APY
    • $5,000 Minimum Opening Deposit
    • $4 monthly service fee; waived with a daily minimum balance of $500
    • Daily Compounding Interest
    • FDIC Insured

    Citibank: Citi Savings Account - $3,000 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 $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 $3,000 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.

    Expires 3/31/2021

    Citibank: Citi Savings Account - $1,500 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 $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 $1,500 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.

    Expires 3/31/2021

    Citibank: Citi Savings Account - $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 $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 $750 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.

    Expires 3/31/2021

    Citibank: Citi Savings Account - $300 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 $300 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.

    Expires 3/31/2021

    Citibank: Citi Savings Account - $150 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 $150 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.

    Expires 3/31/2021

    Citibank: Citi Savings Account - $75 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 $75 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.

    Expires 3/31/2021

    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.

    Tower Federal Credit Union: Savings Account - $100 Bonus

    Open a new Prime Share account using promo code 100GDA21. The minimum balance to open and maintain a Prime Share account is $5. $100 deposit will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.

    Expires 6/30/2021

    Tower Federal Credit Union: Savings Account - $100 Bonus

    Open a new Prime Share account using promo code 100FBA21. The minimum balance to open and maintain a Prime Share account is $5. $100 deposit will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.

    Expires 6/30/2021

    Tower Federal Credit Union: Savings Account - $100 Bonus

    Open a new Prime Share account using promo code 100GPS21. The minimum balance to open and maintain a Prime Share account is $5. $100 deposit will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.

    Expires 6/30/2021

    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.

    First Southern Bank: Savings Account - $100 Bonus

    Open a Christmas Club or Vacation Club Savings account with minimum opening deposit of $10. First Southern Bank will match the last scheduled weekly deposit made into your Christmas Club or Vacation Club Account when deposits are scheduled at account opening and made as scheduled.

    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.

    Expires 3/31/2021
    • 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.

    Expires 3/31/2021
    • Direct Deposit Required: No
    • Minimum Deposit Required: $30,000 within 30 days

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 support@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

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