Bank Promotions Without Direct Deposit

You’re looking around for a new checking account and think you’ve found the perfect one. It has all the features you need, including a $300 cash bonus just for signing up. But there’s one caveat — you can only get the bonus if you enroll in monthly direct deposits, which your employer doesn’t offer. Queue bank promotions without direct deposit requirements!

Most bank bonuses have a few qualifying requirements. For example, you may have to maintain a minimum balance requirement or average daily balance. You may also have to satisfy a minimum deposit threshold upon account opening.

Many banks also require that you link direct deposit to your account to get the sign-up bonus, which can be problematic if you work for a company that doesn’t support it.

Maybe you’re between jobs, are self-employed, or your employer pays you by check or in cash. These are all valid reasons why you might not be able to set up direct deposits with your bank.

Keep in mind that some of these accounts are available nationwide, while others might only be offered in the states in which the bank operates physical branches.

Best Bank Bonuses Without Direct Deposit Requirements – December 2022

Here are the 25 current best bank bonuses that don’t require a direct deposit:

  1. Citi®: up to $2000 bonus
  2. Chase: $300 bonus
  3. Axos: $200 bonus
  4. Upgrade: $200 bonus
  5. Public: up to $10000 bonus
  6. NorthOne: $30 bonus
  7. Tradestation: up to $150 bonus
  8. Revolut: $10 bonus
  9. Discover: up to $500 bonus
  10. Capital One: up to $1000 bonus
  11. U.S. Bank: up to $500 bonus
  12. Rockland Trust Bank: $250 bonus
  13. Alliant: $100 bonus
  14. Town Bank: $200 bonus
  15. Dyer: $200 bonus
  16. Wintrust Florida: $200 bonus
  17. Wintrust Bank: $200 bonus
  18. Sound Credit Union: $100 bonus
  19. First Horizon Bank: up to $400 bonus
  20. Tower: $100 bonus
  21. PNC: $200 bonus
  22. Waukesha State Bank: $100 bonus
  23. 1st United Credit Union: $200 bonus
  24. Addition Financial: $100 bonus
  25. IncredibleBank: up to $203 bonus

Citi® Logo1. Citi®

Citi® is offering up to a $2,000 cash bonus when you open a new Citi Priority Account. Like most Citi promotions, this is a tiered offer based on the amount you're able to deposit and maintain in your new checking account.

Citi recently added a lower tier to this bonus, making it easier for more people to participate. However, some of the middle tier requirements have increased. All told, the bonus amount ranges from $200 for depositing $10,000, up to the full $2,000 for depositing $300,000.

Depending on when you deposit the cash (it needs to be there by the 20th day), the bonus represents an effective rate of roughly 4-11% on your savings. The $200 offer nets you the best effective rate, but every offer is significantly more than what you can find on most savings accounts. So if you have the cash, this is a great way to put it to work, risk-free.

It's important to note that this offer is available in most, but not all states.

Citi Priority Account - up to $2000 bonus

Expires: January 9, 2023

The Citi Priority Account sign up offer requires you to deposit and maintain a minimum balance in order to earn the $2000 bonus. Full requirements to receive this bonus are:

  1. Open a new Citi Priority Account using the link below.
  2. Within 20 days, deposit $10,000 into your new account to earn $200, $30,000 to earn $500, $75,000 to earn $1,000, $200,000 to earn $1,500 or $300,000+ to earn $2,000.
  3. Maintain that balance for 60 days or more after the 21st day that the account was opened.
  4. Bonus will be credited to your open, eligible account within 30 calendar days after completing the requirements.

read the full terms

Chase Business Complete Banking℠ Logo2. Chase Bank

Chase Bank is offering business owners a $300 bonus to open a new Chase Business Complete Banking℠ account.

The requirements are pretty easy to meet: deposit $2,000 and maintain it for 2 months, and complete just 5 qualifying transactions in the first 3 months. Several activities count as "qualifying transactions", including purchases on your debit card, deposits into the account, setting up a bill payment, and more. See the fine print for the full list, but needless to say, meeting that requirement should be painless.

What's especially awesome about this bonus compared to other business checking account offers is that Chase recently launched the ability for customers to open an account online. Compared to the vast majority of business checking accounts which require you to visit your local branch, opening an account at Chase is significantly more convenient.

If you prefer live help, however, you can still enroll in this offer by entering your email address on the bonus landing page to have an offer code sent to you. Just be sure to take that code with you when you visit a branch.

Chase Business Complete Banking℠ - $300 bonus

Expires: February 16, 2023

The Chase Business Complete Banking℠ sign up offer requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card in order to earn the $300 bonus. Full requirements to receive this bonus are:

  1. Obtain a Chase business coupon using the link below and open a new Chase Business Complete Banking℠ account.
  2. Within 30 days, deposit at least $2,000 and maintain that balance for 60 days.
  3. Within 90 days of account opening, complete 5 qualifying transactions: debit card purchases, Chase QuickAccept℠ deposits, Chase QuickDeposit℠, ACH credits, wires (credits and debits), and/or bill pay.
  4. Bonus will be credited to your account within 15 days of meeting the requirements.

read the full terms

Axos Bank Logo3. Axos Bank

Several of the large online and national banks are looking to round out their product offering and capitalize on consumers' fervent interest in self-directed stock buying.

To that end, Axos is ramping up their investment platform: Axos Self-Directed, which offers commission-free trades. This competes against banking competitors Chase, Charles Schwab, and the newest Citi® Self Invest, along with online brokerages like Robinhood.

Axos is offering up to a $200 welcome bonus for a limited time to new customers of their Self-Directed Trading or Managed Portfolio products. The minimum deposit amount is a little higher, but so is the bonus amount.

Self-Directed Trading - $200 bonus

Expires: January 31, 2023

The Self-Directed Trading sign up offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Axos Self-Directed Trading or Managed Portfolio account.
  2. Within 60 days, fund your account with at least $2,000.
  3. SDT accounts will also need to make a minimum of 2 trades of at least $25 to qualify.
  4. Maintain a balance of at least $2,000 for 90 days.
  5. Bonus will be deposited within 10 days following the 90-day waiting period.

read the full terms

Upgrade Logo4. Upgrade

Upgrade is offering a $200 welcome bonus when you get the Upgrade Card and then tack on a new Rewards Checking account.

To qualify for this promotion, you'll first need to sign up for their Upgrade Card, which is a blend of a credit card / line of credit. Then, you'll need to open a free Rewards Checking account. Finally, you'll need to make just 3 purchases using either your Upgrade Card or your new debit card.

All in all, this is an easy bonus to earn. It's possible it comes with a hard credit pull since you'll also be opening a line of credit, but we've seen correspondence from Upgrade that they only do a soft pull.

Overall, it's rare to find a cash offer this high that does not require a direct deposit, minimum balance, or a monthly fee. Check it out!

Rewards Checking - $200 bonus

Expires: Limited Time

The Rewards Checking sign up offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Apply for an Upgrade Card using the link below.
  2. Open and fund a new Rewards Checking account.
  3. Within 60 days, make 3 purchases using your debit card or Upgrade Card.
  4. The bonus will post as a rewards credit to your Upgrade Card within 1-2 billing periods following the third debit transaction.

read the full terms

Public Logo5. Public

Public.com is a well-known brokerage similar to Robinhood, TD Ameritrade, and WeBull. They're registered with FINRA and SIPC, so you can rest assured that your money is safe on their platform.

Public.com is making it easy – and lucrative – to compare their platform to your existing brokerage. When you open a new account with Public and transfer assets via ACAT (Automated Customer Account Transfer – it's the industry standard and takes just a few days), you'll receive a cash bonus of up to $10,000! That's right, $10,000 simply for making the switch.

Keep in mind that this is a tiered offer based on the total amount you transfer. $5,000 will earn you $150, but it will take a $1M portfolio to earn the full $10,000. Also, transfers need to be via ACAT to qualify (cash transfers won't count), and the transferred funds need to stay in your Public account for at least 6 months or they'll claw the bonus back.

Brokerage Account - up to $10000 bonus

Expires: December 31, 2022

The Brokerage Account sign up offer requires you to deposit and maintain a minimum balance in order to earn the $10000 bonus. Full requirements to receive this bonus are:

  1. If you're not currently a Public customer, open a new account using our link.
  2. Transfer investments from your current brokerage into your Public account using ACAT: $5,000 to earn $150, $25,000 to earn $500, $100,000 to earn $2,000, $500,000 to earn $5,000, or $1M to earn the full $10,000.
  3. Cash bonus will be applied to your account one month after you initiate the transfer.

read the full terms

NorthOne Logo6. NorthOne

Like other neobanks, NorthOne seeks to leverage tech to disrupt the business banking status quo. While most business accounts from the big-brand banks have transaction limits that force you to upgrade to premium accounts as your company grows (read: higher monthly fees), NorthOne charges a flat $10 per month and then no additional fees for ACH payments, deposits, transfers, purchases, or app integrations.

Currently, they're running a business checking account promotion exclusive to BankBonus.com readers: 3-months FREE to try their Business Banking account.

There's no catch and no additional requirements – just sign up using our link, fund your account with any amount and your first two monthly fees will be waived.

Business Banking - $30 bonus

Expires: Limited Time

The Business Banking sign up offer requires you to complete the following in order to earn the $30 bonus. Full requirements to receive this bonus are:

  1. Sign up using our link below.
  2. Fund your account with any amount.
  3. Your first three monthly fees will be waived.

read the full terms

Tradestation Logo7. Tradestation

Available nationwide with the ability to open online, Tradestation is offering new customers a $150 cash bonus when you open a new securities investment account or $150 in Bitcoin when you open a new crypto trading account.

Securities or Crypto Account - up to $150 bonus

Expires: Limited Time

The Securities or Crypto Account sign up offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus. Full requirements to receive this bonus are:

  1. Open a new account with promo code TSTVAFYB.
  2. To earn $150 in Bitcoin, purchase or deposit at least $500 of supported cryptocurrency assets within 45 calendar days of account enrollment.
  3. To earn $150 cash, deposit at least $500 into your account within 45 calendar days of account enrollment.
  4. Maintain balance through the end of the next full month following the account funding date to earn the first $75 bonus.
  5. Maintain balance through the end of the second full month following the account funding date to earn the second $75 bonus.

read the full terms

Revolut Logo8. Revolut

Now available in the United States with the ability to open online, Revolut is offering a $10 welcome bonus when you open any new Revolut account and complete a transaction with your card. That's it! This is a limited time offer so you must act fast!

What's more? Once you signup you'll be eligible to refer friends. Recent referral promotions have gone as high as $100 each!

Standard Account - $10 bonus

Expires: Limited Time

The Standard Account sign up offer requires you to make purchases using the account's card in order to earn the $10 bonus. Full requirements to receive this bonus are:

  1. Open a new Revolut account using the link below.
  2. Before the end of the Limited Time Promotion Period, make one (1) qualifying transaction of at least $1.00 using your Revolut physical or virtual card.
  3. Bonus will be credited to your account within 7 days of meeting the requirements.

read the full terms

Discover Bank Logo9. Discover Bank

Discover – one of our top picks for online banks – is currently offering up to $500 for opening a new Online Savings account. You'll need to deposit $50,000 to earn the full amount, but $15,000 will still net you $150. Don't have $50,000? Check out our $200 Discover bonus that only requires $25,000 deposit.

One perk to this bonus is that Discover doesn't have a requirement for how long you need to keep the cash in the account, so you can deposit and withdraw immediately. Doesn't get much easier than that!

Online Savings Account - up to $500 bonus

Expires: December 7, 2022

The Online Savings Account sign up offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:

  1. Open a new Discover Online Savings Account using promo code BONUS1122E at the link below.
  2. Within 30 days, deposit $15,000 to earn $150 or $50,000 to earn $500.
  3. Bonus will be credited to your account within 30 days of qualifying for the bonus.

read the full terms

Capital One Logo10. Capital One

Available nationwide and from a well-ranked bank, Capital One is offering up to $1,000 if you open a 360 Performance Savings account. This is a 3-tier bonus – the more you deposit, the more you can earn. You'll need to make some sizable deposits, totaling at least $10,000, which will earn you $100. This time around they've added a new top tier. To get the full amount, you'll need to deposit $100,000.

Overall, if you're a new Capital One personal savings customer, this is a bonus with easy requirements and is worth taking advantage of.

360 Performance Savings - up to $1000 bonus

Expires: December 14, 2022

The 360 Performance Savings sign up offer requires you to deposit and maintain a minimum balance in order to earn the $1000 bonus. Full requirements to receive this bonus are:

  1. Open a new 360 Performance Savings account with promo code FALL22.
  2. Within 15 days of opening, deposit at least $10,000 to earn $100; $50,000 to earn $500; or $100,000 to earn $1,000.
  3. Hold the money in your account for 90 days.
  4. Bonus will drop to your account within 60 days.

read the full terms

U.S. Bank Logo11. U.S. Bank

U.S. Bank is offering up to a $500 welcome bonus when you open and fund a new business checking account. Plus, the funding requirement has dropped significantly since the last time this promo was offered.

This is a two-part bonus. The first $400 is for depositing $1,500 in your new checking account and then completing some qualifying transactions such as using your debit card, receiving ACH credits, using mobile check deposit, paying bills, and more.

To earn an additional $100, you'll also need to accept and settle a U.S. Bank Payment Solutions Merchant transaction into your new account. This extra bonus isn't for every business, so we appreciate that U.S. Bank kept this requirement separate from the $400 offer.

Keep in mind that this promotion is only available nationwide to customers who already have a relationship with U.S. Bank. If you don't, you'll need to live in any of the 26 states in which they operate.

Business Checking - up to $500 bonus

Expires: December 21, 2022

The Business Checking sign up offer requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card and set up bill pay in order to earn the $500 bonus. Full requirements to receive this bonus are:

  1. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code Q4BUS22.
  2. Within 30 days, deposit $1,500 in new money.
  3. Within 60 days, complete 10 qualifying transactions (debit card purchases, merchant deposits, ACH credits, debit or credit wires, mobile check deposit or bill pay).
  4. Within the same 60 days, enroll in online banking or download and log in to their mobile app.
  5. Within the same 60 days, accept and settle a U.S. Bank Payment Solutions Merchant transaction into your new checking account to earn the additional $100 Payment Solutions bonus offer.
  6. Bonus(es) will be deposited into your new U.S. Bank business checking account within 45 days of meeting all requirements.

read the full terms

12. Rockland Trust Bank

If you can make it at Rockland Trust Bank's Salem branch, this is a really easy $250 welcome bonus. Just use your debit card 15 times in the first two months, and you'll be $250 richer.

Personal Checking [Salem Branch] - $250 bonus

Expires: December 30, 2022

The Personal Checking [Salem Branch] sign up offer requires you to make purchases using the account's card in order to earn the $250 bonus. Full requirements to receive this bonus are:

  1. Open a new personal checking account at Rockland Trust's Salem branch.
  2. Within 60 days, make 15 debit card purchases of at least $10 each.
  3. The bonus will be paid directly to your account by March 31, 2023.

read the full terms

Alliant Credit Union Logo13. Alliant Credit Union

Alliant Credit Union has partnered with Suze Orman to encourage people to make saving a priority. To that end, they've launched “The Ultimate Opportunity Savings Account” promotion, where you can earn a $100 welcome bonus by opening a new savings account and making the commitment to deposit $100 each month.

Keep in mind that these deposits don't need to be made via direct deposit, as is common with many bank bonuses. Instead, regular transfers each month will work.

The first transfer will need to be made within 30 days of opening the account, and while it does take a full 12 months to satisfy the requirements, the ROI on your cash is impressive.

This is a nationwide bonus from one of the best credit unions, so definitely check it out!

Ultimate Opportunity Savings Account - $100 bonus

Expires: December 31, 2022

The Ultimate Opportunity Savings Account sign up offer requires you to deposit and maintain a minimum balance in order to earn the $100 bonus. Full requirements to receive this bonus are:

  1. Open a new Ultimate Opportunity Savings Account using the link below.
  2. For 12 consecutive months, deposit $100 each month.

read the full terms

Town Bank Logo14. Town Bank

Back for 2022, Town Bank, a Wintrust Community Bank, is offering $200 when you open a new Total Savings account and deposit $15,000 in new money, which represents about a 4% effective interest rate on your savings.

You can also pair this with their Total Access Checking welcome bonus, to put a total of $500 in your pocket.

Statement Savings - $200 bonus

Expires: December 31, 2022

The Statement Savings sign up offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Statement Savings account using the link below.
  2. Within the same month of account opening, deposit $15,000 in new money.
  3. Maintain the $15,000 balance for the three months after the initial month the account is opened.
  4. Bonus will post to your new account within 30 days after the qualification period.

read the full terms

Dyer Bank & Trust Logo15. Dyer Bank & Trust

Back for 2022, Town Bank, a Wintrust Community Bank, is offering $200 when you open a new Total Savings account and deposit $15,000 in new money, which represents about a 4% effective interest rate on your savings.

You can also pair this with their Total Access Checking welcome bonus, to put a total of $500 in your pocket.

Statement Savings - $200 bonus

Expires: December 31, 2022

The Statement Savings sign up offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Statement Savings account using the link below.
  2. Within the same month of account opening, deposit $15,000 in new money.
  3. Maintain the $15,000 balance for the three months after the initial month the account is opened.
  4. Bonus will post to your new account within 30 days after the qualification period.

read the full terms

Wintrust Florida Logo16. Wintrust Florida

Town Bank, a Wintrust Community Bank, is offering $200 when you open a new Total Savings account and deposit $15,000 in new money, which represents about a 4% effective interest rate on your savings.

You can also pair this with their Total Access Checking welcome bonus, to put a total of $500 in your pocket.

Statement Savings - $200 bonus

Expires: December 31, 2022

The Statement Savings sign up offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Statement Savings account using the link below.
  2. Within the same month of account opening, deposit $15,000 in new money.
  3. Maintain the $15,000 balance for the three months after the initial month the account is opened.
  4. Bonus will post to your new account within 30 days after the qualification period.

read the full terms

Wintrust Bank Logo17. Wintrust Bank

Town Bank, a Wintrust Community Bank, is offering $200 when you open a new Total Savings account and deposit $15,000 in new money, which represents about a 4% effective interest rate on your savings.

You can also pair this with their Total Access Checking welcome bonus, to put a total of $500 in your pocket.

Statement Savings - $200 bonus

Expires: December 31, 2022

The Statement Savings sign up offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Statement Savings account using the link below.
  2. Within the same month of account opening, deposit $15,000 in new money.
  3. Maintain the $15,000 balance for the three months after the initial month the account is opened.
  4. Bonus will post to your new account within 30 days after the qualification period.

read the full terms

Sound Credit Union Logo18. Sound Credit Union

Sound Credit Union is offering $100 Visa gift card for depositing $25,000 into a new IRA.

As with all credit unions, you do first need to become a member, but membership is open to anyone who lives, works, or worships in Washington State (or has a direct relative who qualifies). Plus, you can do it online in about 5 minutes.

Considering your retirement savings can't be put to work on checking or savings account bonuses (which would definitely yield more than this promo!), this $100 is a nice little perk just for moving your account for a bit.

IRA - $100 bonus

Expires: December 31, 2022

The IRA sign up offer requires you to deposit and maintain a minimum balance in order to earn the $100 bonus. Full requirements to receive this bonus are:

  1. Open a new IRA at Sound Credit Union.
  2. Within 45 days, deposit $25,000 into the new account by transfering an existing IRA or rolling over a 401k.
  3. Receive a $100 Visa gift card 90 days after account opening.

read the full terms

First Horizon Bank Logo19. First Horizon Bank

Merchant Services - up to $400 bonus

Expires: December 31, 2022

The Merchant Services sign up offer requires you to complete the following in order to earn the $400 bonus. Full requirements to receive this bonus are:

  1. Print a certificate using the link below and then take it to a local branch to open a new Merchant Services account.
  2. Process up to $55,000 in gross credit card sales to earn $100; process $55,001 to earn $250; or $300,001 to earn the full $400.
  3. Bonus will be credited to your business checking account within 6 weeks of qualifying.

read the full terms

Tower Federal Credit Union Logo20. Tower Federal Credit Union

Tower Federal Credit Union in Maryland has partnered with a large number of employers and interest groups to provide their employees and members a $100 signup bonus when they join Tower FCU. Check Tower's eligibility page to see if you belong to one of these partners. If your organization qualifies qualifies for the promotion, a representative from your organization will need to provide you with a promotional code to use on your application, but other than that there are no other requirements or strings attached.

Nationwide eligibility for membership is given by making a $35 donation to the TowerCares Foundation; however, membership through this channel may not be eligible for this promotion.

Prime Share - $100 bonus

Expires: December 31, 2022

The Prime Share sign up offer requires you to complete the following in order to earn the $100 bonus. Full requirements to receive this bonus are:

  1. Become a new member of Tower Credit Union using the promo code provided by your eligible occupational or associated group.
  2. Deposit $5 (the required opening deposit) in a Prime Share savings account.
  3. Bonus will be credited to your account 6-8 weeks after opening.

read the full terms

PNC Bank Logo21. PNC Bank

PNC is running a couple of welcome bonus offers targeting small business owners. For this one, you'll need to open either a Business Checking or Business Checking Plus account and then meet balance and debit card requirements.

This is a straightforward, nationally-available bonus for business owners.

If your company has higher balances or transaction volume, PNC is running a larger bonus for their enterprise checking accounts, so check those out, too!

Business Checking Account - $200 bonus

Expires: December 31, 2022

The Business Checking Account sign up offer requires you to deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Business Checking or Business Checking Plus account.
  2. For 3 statement cycles, maintain an average balance of $5,000.
  3. During those same statement cycles, make 20 debit card purchases.
  4. Bonus will be deposited within 90 days of meeting the requirements.

read the full terms

Waukesha State Bank Logo22. Waukesha State Bank

An incredibly easy welcome bonus from Waukesha State Bank: just open a new personal checking account (they have eight accounts to choose from!), deposit $100 into the new account, and then bam: the bank will match your $100 in 10 days.

If you're in Wisconsin, we definitely recommend checking out this offer!

Personal Checking - $100 bonus

Expires: December 31, 2022

The Personal Checking sign up offer requires you to deposit and maintain a minimum balance in order to earn the $100 bonus. Full requirements to receive this bonus are:

  1. Open a new personal checking account using the promo code DDA100GEO22.
  2. Deposit $100 at the time of account opening.
  3. Bonus will be credited to your account after 10 days.

read the full terms

1st United Credit Union Logo23. 1st United Credit Union

If you're a business owner that lives or works in certain counties of California, check out this super easy bonus from 1st United Credit Union. You just need to open a new business checking account using the promo code SMALLBIZ, and 1st United CU will give you $200. Seriously, it's that simple.

Keep in mind you'll need to keep the account open for at least 6 months to avoid forfeiting the bonus.

Business Checking - $200 bonus

Expires: December 31, 2022

The Business Checking sign up offer requires you to complete the following in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Basic or Interest business checking account using the promo code SMALLBIZ.
  2. Bonus will be credited to your account by the tenth of the month following account opening.

read the full terms

Addition Financial Credit Union Logo24. Addition Financial Credit Union

Addition Financial is offering new members a $100 bonus for opening a Choice Checking account. There are no other requirements for earning this bonus (other than meeting the credit union's eligibility requirements, of course).

Be sure to also check out the other offer that Addition Financial is running. That one will earn you $200, but comes with direct deposit and debit card requirements.

Choice Checking - $100 bonus

Expires: December 31, 2022

The Choice Checking sign up offer requires you to complete the following in order to earn the $100 bonus. Full requirements to receive this bonus are:

  1. Open a new Choice Checking account using the link below.
  2. Assuming you meet eligibility requirements, bonus will be credited to your account.

read the full terms

IncredibleBank Logo25. IncredibleBank

IncredibleBank is giving students up to 1 year's worth of Netflix subscriptions on the house.

That's right, IncredibleBank will re-imburse you for your Netflix subscription (up to $16.95) each month as long you use your debit card.

Chill Checking - up to $203 bonus

Expires: December 31, 2022

The Chill Checking sign up offer requires you to make purchases using the account's card in order to earn the $203 bonus. Full requirements to receive this bonus are:

  1. Open a Chill Checking account and verify Student status.
  2. Keep the account open at time of reimbursement.
  3. Pay your NETFLIX® subscription with the IncredibleBank debit card tied to your Chill Checking account.
  4. Make at least 5 additional debit card transactions in the month prior to your Netflix subscription posting.
  5. Reimbursement will be credited within two business days of the posting of your NETFLIX® charges.

read the full terms

Want to see even more new account offers?

All current bank bonuses

Credit Card Bonuses Don’t Require Direct Deposit

In addition to bank promotions, another way to earn bonus cash without needing to set up direct deposit is to explore credit card offers.

These almost always require you to spend a certain amount using your new card, and you’re usually given a few months to meet that requirement.

One caveat: always compare the spending requirement to your normal budget. If you’d need to make unplanned purchases, the sign-up bonus isn’t worth it.

But if the bonus fits into your normal spending, or you time the offer for when you have big purchases planned, then these can be an awesome way to earn sign-up cash without the need for direct deposit.

Here are a few credit card offers to consider:

  1. Citi Premier® Card: 80,000 bonus points
  2. Ink Business Unlimited® Credit Card: $900 bonus
  3. The Platinum Card® from American Express: 100,000 bonus points
  4. Capital One Venture Rewards Credit Card: 75,000 bonus miles
  5. U.S. Bank Cash+® Visa Signature® Card: $200 bonus

Citi Premier® Card Logo1. Citi Premier® Card

The Citi Premier® Card offers new cardholders a welcome bonus of 80,000 bonus ThankYou Points, which you can get after making purchases worth $4,000 in the first three months.

You can exchange these bonus points for $800 worth of gift cards from a large variety of retailers.

The Citi Premier® Card can serve as a travel card and everyday cashback card, letting you redeem rewards with a host of travel transfer partners, gift cards, and shopping points. With competitive bonus categories and exclusive entertainment perks, it could be a nice versatile addition to your wallet.

Citi Premier® Card - 80,000 bonus points

The Citi Premier® Card sign up offer requires you to make purchases using the account's card in order to earn the 80,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new Citi Premier® Card using the link below.
  2. Within 3 months, spend $4,000 using your new card.
  3. Bonus will be credited in the form of 80,000 points, which can be redeemed for $800 in gift cards.

read the full terms

Ink Business Unlimited® Credit Card Logo2. Ink Business Unlimited® Credit Card

In addition to the other card perks like cash back, a 0% intro APR on purchases for 12 months*, and no annual fee, Chase is offering a $900 bonus to new Ink Business Unlimited® cardholders. *after that, 14.74% - 20.74% variable APR

They've lowered the spending threshold and raised the bonus amount in their BEST offer ever on this card!

The Ink Business Unlimited Card from Chase offers steady cashback across all categories, so you don’t have to worry about tracking bonus categories or spending caps. It’s a great option for earning modest rewards with a welcome bonus and a host of ongoing incentives for applicants.

Ink Business Unlimited® Credit Card - $900 bonus

The Ink Business Unlimited® Credit Card sign up offer requires you to make purchases using the account's card in order to earn the $900 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Ink Business Unlimited® credit card using the link below.
  2. Within 3 months, spend $6,000 using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash.

read the full terms

The Platinum Card® from American Express Logo3. The Platinum Card® from American Express

The Platinum Card® from American Express comes with a new cardmember offer that can see you earn 100,000 Membership Rewards® Points after spending $6,000 within the first six months.

You also get a whole host of other annual perks including a $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, (requires a minimum two-night stay), a $240 digital entertainment credit, a $200 Uber Eats credit, a $200 airline fee credit and more! Enrollment required.

This is in addition to the lounge access and 5x points on airline purchase (up to $500,000 on these purchases per calendar year) and hotel purchases through amextravel.com. Terms Apply.

The Platinum Card from American Express is the original luxury credit card. While its annual fee is high, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits.

The Platinum Card® from American Express - 100,000 bonus points

The The Platinum Card® from American Express sign up offer requires you to make purchases using the account's card in order to earn the 100,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for The Platinum Card® from American Express using the link below.
  2. Within 6 months, spend $6,000 using your new card.
  3. Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.

read the full terms

Capital One Venture Rewards Credit Card Logo4. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card comes with a 75,000 mile welcome bonus. All you need to do to qualify is make $4,000 worth of purchases within three months of opening the account.

The card has small annual fee; however, on par compared to other similar premium cards. Cardholders also enjoy many perks such as up to a $100 credit for Global Entry or TSA PreCheck®, no foreign transaction fees and travel accident insurance.

Capital One Venture Rewards Credit Card - 75,000 bonus miles

The Capital One Venture Rewards Credit Card sign up offer requires you to make purchases using the account's card in order to earn the 75,000 bonus miles. Full requirements to receive this bonus are:

  1. Apply for a new Capital One Venture Rewards Credit Card using the link below.
  2. Within 3 months, spend $4,000 using your new card.
  3. Bonus will be credited to your rewards balance within 2 billing cycles.

read the full terms

U.S. Bank Cash+® Visa Signature® Card Logo5. U.S. Bank Cash+® Visa Signature® Card

U.S. Bank's Cash+ Visa Signature Card offers new cardholders a welcome bonus of $200 after spending $1,000 on eligible purchases within the first 120 days of opening the account.

This is up from their old offer of $150, but the spend requirement is also higher (the old offer required $500 within 90 days).

The Cash+ Visa Signature Card offers a 0% intro APR on balance transfers for the first 18 months, a customizable cashback scheme, and no annual fee.

If you’re a rewards card strategist, the U.S. Bank Cash+ Visa Signature might be worth adding to the collection to maximize your rewards, offering solid rewards across its bonus categories. However, it isn’t our top pick as a standalone cashback card, with more rewarding—and less complicated—options out there.

U.S. Bank Cash+® Visa Signature® Card - $200 bonus

The U.S. Bank Cash+® Visa Signature® Card sign up offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Apply for a new U.S. Bank Cash+® Visa Signature® Card using the link below.
  2. Within 120 days, spend $1,000 using your new card.
  3. Bonus will be credited to your rewards account within 6 to 8 weeks of meeting the requirement.

read the full terms

Want to see even more credit card bonuses?

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Direct Deposit Requirement: What Counts?

While the above list only include bank bonuses without a direct deposit requirement, you may be surprised to learn that other bank offers which do require a direct deposit may still be within your reach.

The crux is around what each bank considers to be a qualifying direct deposit.

Spoiler alert: it can vary.

So, what counts as a “qualifying” direct deposit?

It’s true, the bank does not see all deposits as equal.

Why not?

It gets to the heart of what the bank is trying to have you do by offering a bonus reward in exchange for opening a new account and setting up direct deposit: commit to the account and continue using it, long after you’ve met the bonus requirements.

So, to that end, a “qualifying direct deposit” is, strictly speaking, a reoccurring deposit made by your employer or the government (such as for social security benefits).

But, as we alluded earlier, this definition is not shared among all banks.

For example:

  • Capital One 360: Transfers from brokerage accounts such as Fidelity, Schwab and Ameritrade fulfill the direct deposit requirement.
  • Bank of America: Transfers from prepaid debit cards such as Bluebird and Serve count as direct deposits.
  • KeyBank: Transfers from PayPal will be coded as direct deposit.
  • U.S. Bank: Transfers initiated from many online banks such as Ally, Discover and USAA will fulfill the direct deposit requirement.

As always, look to the bonus terms and fine print to guide you. It will almost always clearly state what counts as direct deposit and what does not.

Learn More About Bank Bonuses and Their Requirements

Bank bonuses – particularly those that don’t even require direct deposit – are easy money.

But it can be time-consuming trying to stay on top of offers that are constantly changing.

Plus, if you’re new to bank promotions, your head may spin for a bit trying to learn the nuances, requirements, and pitfalls.

Fortunately, we can help.

By entering your email address below, you’ll get instant access to:

  • Why banks run these deals and how they make money
  • How to meet the requirements
  • Pitfalls to avoid
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  • The newest offers available in your area

…basically everything you need to go from “I’m so confused!” to earning some of the easiest money you’ve ever made.

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Bank Promotions Without Direct Deposit FAQs

Does Bank of America offer bonuses?

Bank of America does offer some sign-up bonuses, but unfortunately, you can’t get your hands on them without signing up for a direct deposit.

This is common with bigger banks, so you can expect to run into the same problem with banks like T.D. Bank, PNC, or HSBC.

That said, bank promotions are fluid — meaning they come and go all the time. So just because one bank isn’t offering something that works for you now doesn’t mean that they won’t work in the future.

Do checking offers expire?

Yes. Any bank offer is usually tied to an expiration date. Promotions can last anywhere from months to years, but they are almost always held to a certain timeframe.

If you’re interested in taking advantage of an offer, be sure to look into the fine print and figure out how long you have to sign up.

As a general rule of thumb, if you need a new bank account and the sign-up bonus is appealing, don’t delay.

Why can’t I find a bank promotion without direct deposit requirements?

Usually, you have to dig through a bank’s website to find bonuses, but we launched BankBonus.com to make it easy to find the best bank bonuses in one place.

If you’re struggling to find a promotion that you read about online, it’s possible that it expired or that the bank pulled it. It happens all the time.

Take some time to search through this site and sign up for our newsletter so you can get alerts when new bonuses drop.

Can I qualify for a bonus with credit card funding?

It depends. Some banks allow you to open a bank with a credit card, but many don’t. If you go this route, make sure that your credit card issuer flags the deposit as a purchase and not as a cash advance so you can avoid unnecessary fees.

Also, keep in mind that a lot of banks don’t accept American Express or Discover for credit card funding, so you’ll probably have better luck with a Visa or MasterCard.

Are bank bonuses taxable?

Yes, money you earn from a new account bonus – regardless of whether it requires direct deposit or not – will be reported to the IRS and taxed as income. Keep this in mind when you’re figuring out your total return on any given offer.

Are Bank Promotions without Direct Deposit Requirements For You?

Choosing the right bank account is an important step in your personal finance journey.

While a bonus offer should never be the main reason you sign up for an account, it doesn’t hurt to take advantage of one of them if the bank meets your other criteria.

The key is finding an FDIC-insured bank account that works best for you. You might also want overdraft protection and the ability to earn cash back on your purchases.

If you are like the millions of others that don’t have direct deposit, don’t worry. You still have a ton of options.

Take some time to shop around and think about what’s most important. The right bank promotions without direct deposit are out there for you.