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 2019
- Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities. Limited time only.
- Open your new HSBC Premier checking account online by March 29, 2019; 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.
HSBC Premier Checking
- Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Limited time only.
- Open your new HSBC Advance checking account online by March 29, 2019; and
- Deposit a minimum Qualifying Balance of $10,000 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 $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.
HSBC Advance Checking
- Earn 2.22% APY on all balance tiers
- No monthly maintenance fee
- Minimum balance to earn APY is $1
- Member FDIC
- 1.55% APY
- $100 Minimum Opening Deposit
- No Fees to Open or Maintain Account
- Daily Compounding Interest
- No Minimum Daily Balance Requirement
- FDIC Insured
- 1.85% APY
- $100 Minimum Opening Deposit
- No monthly maintenance fee
- FDIC Insured
- Get a $200 Welcome Deposit for eligible new customers who open an HSBC Choice Checking account with qualifying activities. Limited time only.
- Open your new HSBC Choice Checking account online by March 29, 2019; and
- Deposit a minimum Qualifying Balance of $1,500 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 $200 Welcome Deposit in your new HSBC Choice 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.
HSBC Direct Savings - 2.22% APY
Premier High Yield Savings Account
Money Market Account
HSBC Choice Checking
More Bank Promotions with No Direct Deposit Requirement
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- Great Rates + Safety = Peace of Mind
- Member FDIC
- Consistently Competitive Rates
- 24/7 Customer Care
- Ally Bank, Member FDIC
- Up to 1.25% APY
- No minimum balance requirements
- No fees to open or maintain account
- Overdraft Protection
- Daily Compounding Interest
- FDIC insured
- 1-year 1.21% 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
- 2.36% APY
- $5,000 Minimum Opening Deposit
- $4 monthly service fee; waived with a daily minimum balance of $500
- Daily Compounding Interest
- FDIC Insured
High Yield Savings
Online Savings Account
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 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.
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.
Rewards Checking
Yield Pledge Checking
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.
Exclusive Savings Account
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 Business Checking - $200 Cash Bonus
Earn $200 when you open a new 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.
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.
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 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.
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.
Fifth Third Enhanced Checking Account - $250 Bonus
Earn $250 when you open a Fifth Third Enhanced Checking account and deposit at least $500 within 45 days of account opening AND maintain a $500 minimum balance for 60 days. Bonus will be deposited to account within 10 days of completing qualifying activity requirements. Receive your offer code through email and apply in person at your local branch. Available to residents of FL, GA, IL, IN, KY, MI, NC, OH, TN, and WV.
Fifth Third Essential Checking Account - $250 Bonus
Earn $250 when you open a Fifth Third Essential Checking® account and deposit at least $500 within 45 days of account opening AND maintain a $500 minimum balance for 60 days. Bonus will be deposited to account within 10 days of completing qualifying activity requirements. Receive your offer code through email and apply in person at your local branch. Available to residents of FL, GA, IL, IN, KY, MI, NC, OH, TN, and WV.
Fifth Third Free Checking Account - $250 Bonus
Earn $250 when you open a Fifth Third Free Checking account and deposit at least $500 within 45 days of account opening AND maintain a $500 minimum balance for 60 days. Bonus will be deposited to account within 10 days of completing qualifying activity requirements. Receive your offer code through email and apply in person at your local branch. Available to residents of FL, GA, IL, IN, KY, MI, NC, OH, TN, and WV.
Fifth Third Preferred Checking Account - $250 Bonus
Earn $250 when you open a Fifth Third Preferred Checking account and deposit at least $500 within 45 days of account opening AND maintain a $500 minimum balance for 60 days. Bonus will be deposited to account within 10 days of completing qualifying activity requirements. Receive your offer code through email and apply in person at your local branch. Available to residents of FL, GA, IL, IN, KY, MI, NC, OH, TN, and WV.
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 16 through 25 years of age. Legal guardian co-owner required for those between 16–18 years old. Offer is only available to residents of NH, MA, RI, CT, DE, NY, NJ, or PA.
Discover Online Savings - $150 Cash Bonus
Apply for your first Discover Online Savings Account by 2/4/19, online or by phone. Enter offer code NPBB119 when applying. Deposit into your account at least $15,000 by 2/18/19. Bonus will be credited to the account by 3/14/19.
Discover Online Savings - $200 Cash Bonus
Apply for your first Discover Online Savings Account by 2/4/19, online or by phone. Enter offer code NPBB119 when applying. Deposit into your account at least $25,000, by 2/18/19. Bonus will be credited to the account by 3/14/19.
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.
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.
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 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.
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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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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