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 January 2020
- Enjoy a $1,000 welcome bonus when you join Sapphire℠ Banking. Within 45 days, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs) and maintain that balance for 90 days.
- Enjoy a new kind of banking experience
- No ATM fees worldwide - down the street or around the globe
- Perks that add up - relationship rates, special access and help when you need it
- Open online
- 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
- Get $200 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.
- Up to 1.25% APY
- No minimum balance requirements
- No fees to open or maintain account
- Overdraft Protection
- Daily Compounding Interest
- FDIC insured
- 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 personal 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
- Get $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of account opening.
- Access to 16,000 Chase ATMs and nearly 4,900 branches
- No Monthly Service Fee for up to 5 years if you're a student between the ages of 17-24 at account opening with proof of student status.
- Deposit checks from virtually anywhere, anytime, just by taking a photo with the Chase Mobile® app.
- Send and receive money in moments using Chase QuickPay® with Zelle®
- 1.85% APY
- $100 Minimum Opening Deposit
- No monthly maintenance fee
- FDIC Insured
Chase Sapphire℠ Checking
Chase Total Business Checking®
Discover Online Savings - $150 Cash Bonus
To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.
Discover Online Savings - $200 Cash Bonus
To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.
Asterisk-Free Checking Account - $150 Bonus
Open a Huntington Asterisk-Free Checking account online. Make total deposits of at least $1,000 within 60 days of account opening. Your bonus of $150 will be deposited in your Asterisk-Free checking account after all requirements are met and your account is open for 90 days. This offer is available to applicants residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and West Virginia.
Chase Savings℠
Rewards Checking
Chase Private Client
Chase College Checking℠
CIT Bank Money Market Account - 1.85% APY
More Bank Promotions with No Direct Deposit Requirement
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- 1-year 1.01% 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
- 1.90% APY
- $5,000 Minimum Opening Deposit
- $4 monthly service fee; waived with a daily minimum balance of $500
- Daily Compounding Interest
- FDIC Insured
- Earn 2.00% APY on all balance tiers
- No monthly maintenance fee
- Minimum balance to earn APY is $1
- Member FDIC
Online Savings Account - 1.60% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
High Yield Savings - 1.70% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
Capital One 360 Checking - $25 Refer a Friend 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 Zelle 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 using the unique link sent from their friend. Terms apply.
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.
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.
Capital One 360 Savings - $25 Refer a Friend Offer
Get $25 when you open an account with an initial deposit of at least $250-9,999.99. The $25 bonus will be automatically deposited into your account. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.
Plus Savings Account
Capital One 360 Savings - $100 Refer a Friend Offer
Get $100 when you open an account with an initial deposit of at least $10,000. The $100 bonus will be automatically deposited into your account. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.
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.
HSBC Direct Savings - 2.00% APY
Fifth Third Checking Account - $250 Bonus
Open an eligible Fifth Third Checking Account using offer code. Reach a balance of $500 within 45 days and maintain a minimum daily balance of $500 thereafter for 60 days to qualify for the checking bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. Eligible checking accounts are Fifth Third Essential, Enhanced, Preferred, Free and Free Checking plus Extra TimeSM (where available).
Business Checking Account - $250 Bonus
Open a new eligible MidFirst Bank business checking account. Within 90 days of account opening, complete the following requirements: (1) Enroll in business online banking, either iManage Business Express® (iMBX) or iManage Business Banking® (iMBB) and (2) Maintain a year-to-date average ledger balance of at least $750. Bonus will be credited to the new business checking account within 110 from account opening.
Student Value Checking Account - $25 Bonus
Get $25 when you open a new Student Value Checking account with a minimum opening deposit of $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.
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.
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.
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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