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 – July 2026
Here are the 25 current best bank bonuses that don’t require a direct deposit:
- Barclays: $200 bonus
- Axos: up to $600 bonus
- HSBC: up to $5000 bonus
- Raisin: up to $1200 bonus
- U.S. Bank: up to $1200 bonus
- Chase: up to $3000 bonus
- J.P. Morgan: up to $1000 bonus
- TD Bank: $200 bonus
- Bank of America: up to $750 bonus
- Revolut: $10 bonus
- Baselane: $150 bonus
- Wells Fargo: $2500 bonus
- Fulton Bank: $500 bonus
- Central Bank of the Midwest: $500 bonus
- OneAZ: $350 bonus
- First Commonwealth Bank: $200 bonus
- Associated Bank: up to $750 bonus
- KeyBank: $500 bonus
- Fidelity Bank: up to $800 bonus
- Bask Bank: 20,000 bonus miles
- BMO: up to $1500 bonus
- Citizens: up to $1500 bonus
- Bank of Colorado: $750 bonus
- Banner Bank: up to $500 bonus
- E*TRADE Bank: $400 bonus
1. Barclays Bank
Available nationwide, Barclays is offering a $200 bonus to new customers that open a new Tiered Saving account and deposit $25,000. To qualify for this offer, you must be a new Barclays Savings customer (current and previous Barclays customers with a Savings account or CD are not eligible). Terms Apply.
Barclays Tiered Savings - $200 bonus
Expires: July 31, 2026
The Barclays Tiered Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Must be a new Barclays banking customer and open a Tiered Savings account.
- Within 30 days, deposit at least $25,000 in new funds.
- For 120 consecutive days maintain at least a $25,000 balance.
- After the $25,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account within 60 days.
Apply now to earn the $200 bonus from Barclays
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2. Axos Bank
Axos is offering up to $600 to business owners who open a new Business Premium Savings account and bundle with a Basic Business Checking account. This offer is broken up into installments which are dispursed in $100 increments each month you complete the bonus requirements.
It's a tougher offer to earn than previous offers that did not require bundling; however, the bonus amount is considerably higher. Not only is this offer available nationwide with the ability to open online, it's also the highest reward amount we've seen Axos offer, so now is a good time to jump on it!
What's more? This is ON TOP of the account's 3.80% APY! We challenge you to find any other business savings account offering that kind of APY. So while, yes, the required deposit amounts are steep, coupled with the competitive interest rate, we think this is a great opportunity for businesses with the available cash.
Business Premium Savings - up to $600 bonus
Expires: January 31, 2027
The Business Premium Savings signup offer requires you to deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $600 bonus. Full requirements to receive this bonus are:
- Open a new Business Premium Savings account AND a Basic Business Checking account through a single application (bundle) with promo code SBB600.
- During the first 7 statement cycles, earn $100 each cycle that you complete the following requirements:
- Deposit $1,000 or more (via ACH, check, or wire) into their Basic Business Checking account from an external source
- Use the debit card associated with their Basic Business Checking account to make 2 or more approved purchases of at least $50 for each transaction
- Maintain an average daily balance of at least $1,500 in the Basic Business Checking account
- Maintain an average daily balance is at least $50,000 in the Business Premium Savings account.
- Bonus(es) will be deposited into your new account within the first 15 business days following the end of the Statement Cycle in which the eligible business qualified.
- Max total bonuses you can earn is $600
Apply now to earn the $600 bonus from Axos
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3. HSBC Bank
Available nationwide, HSBC is offering up to a whopping $5,000 in welcome bonuses when you open a new HSBC Premier checking account and complete qualifying activities. Similar to previous offers, HSBC is largely interested in the amount of cash you can bring to your accounts. The more cash, the larger the bonus!
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. *Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC. HSBC Securities is an affiliate of HSBC Bank USA, N.A.
HSBC Premier - up to $5000 bonus
Expires: August 31, 2026
The HSBC Premier signup offer requires you to deposit and maintain a minimum balance in order to earn the $5000 bonus. Full requirements to receive this bonus are:
- Open a Premier checking account by August 31, 2026
- Add your desired level of deposits and/or eligible investments within 20 days:
Get $1,500: Deposit or invest $150,000 to $249,999
Get $2,500: Deposit or invest $250,000 to $499,999
Get $3,500: Deposit or invest $500,000 to $999,999
Get $5,000: Deposit or invest $1,000,000+ - Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
- If all offer requirements are met, the bonus will be paid within 8 weeks.
Apply now to earn the $5000 bonus from HSBC
Learn More:
4. Raisin
Available nationwide, Raisin is offering up to a whopping $1,200 welcome bonus for Summer 2026 when you open a new savings account and deposit new funds. This is an INSANE OFFER from Raisin and one of the highest they have offered!
The catch? To earn the highest amount in a given quarter, you'll need to deposit and maintain at least $200,000!
If you're not familiar with Raisin, they partner with several banks and credit unions to provide high yield savings accounts and CDs through their platform. There are no minimum balance requirements, no fees and a high APY on all balances.
High Yield Savings - up to $1200 bonus
Expires: July 31, 2026
The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $1200 bonus. Full requirements to receive this bonus are:
- Open a new HYSA account through the Raisin platform using promo code SUMMER26.
- Make your qualifying deposit within 14 days to be eligible for the bonus: $10,000 to earn $60; $25,000 to earn $150, $50,000 to earn $300; $100,000 to earn $600; $200,000+ to earn $1,200.
- Maintain your deposit(s) for 90 days from your first deposit date.
- Bonus payout will be credited directly to your Cash Account within 30 days of completing the requirements.
Apply now to earn the $1200 bonus from Raisin
Learn More:
5. U.S. Bank
Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q3AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 27, 2026. Member FDIC.
As you can see, the business account you open will determine how much bonus money you can qualify for.
This offer amount is similar to the last time it was offered, and rewards businesses with higher balances, so now might be a great time to jump on it if you've been considering U.S. Bank for your business banking needs.
Business Checking - up to $1200 bonus
Expires: September 27, 2026
The Business Checking signup 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 $1200 bonus. Full requirements to receive this bonus are:
- Open a new eligible U.S. Bank business checking account online with promo code Q3AFL26 and complete qualifying activities.
- To earn $400 bonus: Open a new Business Essentials account between 7/1/2026 and 9/27/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
- To earn $1,200 bonus: Open a new U.S. Bank Platinum Business Checking account between 7/1/2026 and 9/27/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
- Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
- Subject to certain terms and limitations. Offer valid through September 27, 2026. Member FDIC.
Apply now to earn the $1200 bonus from U.S. Bank
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6. Chase Bank
Available nationwide, Chase Bank is offering up to a $3,000 bonus when you open or upgrade to a new Chase Private Client Checking℠ account.
To earn this premium checking account bonus from Chase, you'll need to transfer at least $150,000 for the first tier, with the upper tier being $500,000 or more into eligible checking, savings and/or investment accounts – so this promotion is clearly geared toward those with deep pockets.
That said, the new funds can be cash from another bank or securities held at a competitor brokerage, and the deposits can go into one or a combination of Chase accounts. There are some rules about which accounts are eligible though, so be sure to read the fine print!
Like most Chase coupons, you'll need to first enter your email to receive an 'upgrade code'. You'll then take that code into your local Chase branch to enroll in the offer.
Tip: If you already have a Chase Private Client Checking account, you can skip the code and branch visit, and simply deposit the new funds to your eligible accounts.
Chase Private Client Checking℠ - up to $3000 bonus
Expires: October 14, 2026
The Chase Private Client Checking℠ signup offer requires you to deposit and maintain a minimum balance in order to earn the $3000 bonus. Full requirements to receive this bonus are:
- Receive an upgrade code using the link below (you may need to use a private or incognito browser).
- If you don't already have a Chase Private Client Checking℠ account, meet with a Chase Private Client Banker to open or upgrade to one.
- Within 45 days of enrolling in the coupon, transfer a total of $150,000 - $249,999 in new money or securities to one or a combination of your eligible accounts (see fine print), earn $1,000; $250,000 - $499,999 earn $2,000; $500,000+ to earn $3,000
- Maintain that balance for 90 days from the coupon enrollment.
- Bonus will be deposited into your Chase Private Client Checking℠ account within 40 days of meeting the requirements.
Apply now to earn the $3000 bonus from Chase
Learn More:
7. J.P. Morgan Wealth Management
Available nationwide with the ability to open online, J.P. Morgan Wealth Management is offering up to a $1,000 welcome bonus when you open a new Self-Directed Investing account with qualifying minimum funding.
This is tiered bonus, meaning that the more you deposit, the more you may be eligible to earn. New for this iteration, J.P. Morgan has introduced a lower tier at $5,000, down from the previous $25,000 entry point and raised the max bonus amount!
Here are all 4 tiers of this investing bonus:
| New Money Added | Bonus Amount |
|---|---|
| $5,000-$24,999 | $50 |
| $25,000-$99,999 | $150 |
| $100,000-$249,999 | $325 |
| $250,000+ | $1,000 |
This is the highest offer that we've seen to-date from J.P. Morgan.
Self-Directed Investing - up to $1000 bonus
Expires: July 21, 2026
The Self-Directed Investing signup offer requires you to deposit and maintain a minimum balance in order to earn the $1000 bonus. Full requirements to receive this bonus are:
- Open a J.P. Morgan Self-Directed Investing account using the link below.
- Within 45 days, fund your account with qualifying new money as follows: $5,000 - $24,999 = $50 bonus; $25,000 - $99,999 = $150 bonus; $100,000 - $249,999 = $325 bonus, $250,000+ = $1,000 bonus.
- Your bonus amount will be determined on day 45.
- Maintain your new funds for 90 days (losses due to trading or market fluctuation will not be taken into account).
- Bonus will be received within 15 days.
- INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Apply now to earn the $1000 bonus from J.P. Morgan
Learn More:
8. TD Bank
TD Bank is offering a $200 welcome bonus if you open a new savings account. With the recent drop in required deposit (from $20k to now $10k), it works out to effectively be an interest rate of about 8%.
What's more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $200 on top of this offer for a total of up to $500.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
Personal Savings - $200 bonus
Expires: July 30, 2026
The Personal Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Open a TD Savings account using the link below.
- Within 20 days, deposit $10,000 and maintain that balance for 90 days.
- Bonus will be paid on or before 180 days after account opening.
Apply now to earn the $200 bonus from TD Bank
Learn More:
9. Bank of America
If you're a business owner in the market for a new checking account, be sure to check out this offer from Bank of America.
They're offering up to a $750 cash bonus when you open a new Bank of America® Business Advantage Banking account and maintain qualifying deposits.
To qualify, you can choose between the Bank of America Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking accounts. Both have monthly fees that can be waived if minimum deposits amounts are met. See below for more details.. Then, you'll just need to deposit $5,000 into your new account for a $400 bonus or $15,000 for a $750 bonus. Pretty simple!
Bank of America® Business Advantage Banking - up to $750 bonus
Expires: December 31, 2026
The Bank of America® Business Advantage Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. Full requirements to receive this bonus are:
- Open a new Bank of America® Business Advantage Banking account.
- Within 30 days, make qualifying deposits of $5,000 or more in new money, earn $400; deposit $15,000, earn $750.
- For the next 60 days, maintain an average balance of either $5,000 or $15,000, for whichever bonus you are going for.
- Bonus will be deposited directly into your Business Advantage Banking account within 60 days from the end of your qualifying period.
Apply now to earn the $750 bonus from Bank of America
Learn More:
10. Revolut
Revolut is offering $10 when you open any new Revolut account and complete a transaction with your card. That's it! This is a limited time offer when you sign up through BankBonus.com so you must act fast!
What's more? Select customers may be offered an opportunity to earn 1% back on purchases, up to $70 a week for the first 90 days! On top of that, 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 signup 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:
- Open a new Revolut account using the link below.
- Once you have provided your phone number, you will be directed to the sign up flow for a Revolut Personal account.
- 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.
Apply now to earn the $10 bonus from Revolut
Learn More:
11. Baselane
Available nationwide, Baselane is a banking platform for landlords to help them manage rent collection, taxes, banking, insurance and more! Through June, Baselane is offering a $150 welcome bonus when you open a new account and collect at least 2 rent payments. There's also a minimum deposit requirement, but it's small.
Baselane Banking - $150 bonus
Expires: Limited Time
The Baselane Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus. Full requirements to receive this bonus are:
- Open a new Baselane account using the link below.
- Within 30 days, deposit at least $500 into a Baselane banking account and maintain that average balance for 60 days.
- Within 90 days, complete at least $1,500 of mortgage payments from your Baselane Banking account.
- Finally, within 90 days, collect at least $1,500 of rent payments using Baselane’s Rent Collection tool.
- Bonus will be deposited into your Baselane banking account within 30 days
Apply now to earn the $150 bonus from Baselane
Learn More:
12. Wells Fargo Bank
Have a bunch of cash just sitting in the bank earning little interest? Why not earn a large bonus on it by transferring to Wells Fargo?
Available nationwide, Wells Fargo is offering a $2,500 welcome bonus when you upgrade an existing consumer checking account to Premier Checking account or open a new Premier Checking account. Keep in mind, if you upgrade your account, you'll need to bring in $250,000 or more in new deposits to be eligible, which can be kind of steep if you already use Wells Fargo for your primary bank account.
Premier Checking [$250k+] - $2500 bonus
Expires: July 14, 2026
The Premier Checking [$250k+] signup offer requires you to deposit and maintain a minimum balance in order to earn the $2500 bonus. Full requirements to receive this bonus are:
- Get a code from the link above.
- Upgrade an existing consumer checking account or open a new Premier Checking account with your offer code.
- Within 45 days, bring $250,000 or more in new money to a deposit or investment account.
- Maintain at least a $250,000 balance through Day 90 after account upgrade or opening.
- Bonus payment will be deposited within 30 days of meeting the requirements.
Apply now to earn the $2500 bonus from Wells Fargo
Learn More:
13. Fulton Bank
Fulton Bank is offering $500 to new business checking customers for completing minimum deposit requirements. If you live in one of their geographic areas, this is an easy bonus for opening a business checking account that has no monthly fees.
The fine print states that you will have needed to receive a direct communication (email or digital ad) from them to be eligible, but we've seen where this isn't the case. YMMV.
Business Checking - $500 bonus
Expires: July 15, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open a new Business Checking account online (or request a code via email to open in-branch)
- Within 60 days of account opening, deposit at least $5,000 of new money.
- Within the same timeframe, enroll in Small Business Online banking.
- Bonus will be credited to your business checking account within four to six weeks after the above conditions have been met
Apply now to earn the $500 bonus from Fulton Bank
Learn More:
14. Central Bank of the Midwest
Available in select midwestern states, Central Bank of the Midwest is offering a $500 welcome bonus when you open a new business checking account and maintain a minimum balance. Don't worry, the amount required isn't absurd like some other offers -- $3,000 is enough to score this $500 bonus...a pretty good ROI if you ask us!
It's worth noting that all though there are branches in Naples, Florida, it is not an eligible state for this promotion. They also removed Colorado from the eligibility list.
Business Checking - $500 bonus
Expires: July 31, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open any business checking account using offer code 500BB19
- At day 90 day from account opening, have a balance of at least $3,000.
- Bonus will be deposited into your account
Apply now to earn the $500 bonus from Central Bank of the Midwest
Learn More:
15. OneAZ Credit Union
Available to Arizona residents, OneAZ is offering a $350 welcome bonus when you open a new personal checking account and use your debit card. That's pretty much it, a very easy bonus to earn. It's worth noting that this is $100 higher than previously, and OneAZ doesn't offer bonuses often, so I'd jump on it now if you are eligible.
Personal Checking - $350 bonus
Expires: July 31, 2026
The Personal Checking signup offer requires you to make purchases using the account's card in order to earn the $350 bonus. Full requirements to receive this bonus are:
- Open a checking account with OneAZ Credit Union using promocode CHK-227.
- Within 60 days, complete 25 debit card transactions of $5 or more.
- Bonus payment will be deposited into your new checking account within 15 business days
Apply now to earn the $350 bonus from OneAZ
Learn More:
16. First Commonwealth Bank
Available to residents within their footprint, First Commonwealth Bank is offering a $200 welcome bonus when you open a new personal checking account and set up direct deposit. What's even more? You can stack this offer with their referral bonus if you know an existing member to earn a total of $300.
Personal Checking - $200 bonus
Expires: July 31, 2026
The Personal Checking signup 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:
- Open a new personal checking account online, in-branch or over the phone using promo code FCB400.
- Within 60 days, make 10 or more qualifying debit card purchases that post and clear the account.
- Maintain an active account.
- Bonus will be deposited within 60 days of all requirements being met
Apply now to earn the $200 bonus from First Commonwealth Bank
Learn More:
17. Associated Bank
Into 2026! Available in quite a few midwestern states, Associated Bank is offering up to a $750 welcome bonus when you open a new business checking account and deposit new money. The business account you open will determine what the max bonus amount you'll be eligible for.
What's even more? You can stack this offer with their personal checking account bonuses to earn a lot more!
Business Checking - up to $750 bonus
Expires: July 31, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. Full requirements to receive this bonus are:
- Be a new business checking customer and open a new business checking account.
- Open a Business Foundation Checking® account and deposit $2,000 in new money within 30 days, earn a $100 bonus; Open a Business Core Checking® account and deposit $5,000 in new money, earn a $400 bonus; Open a Business Advanced Checking® account and deposit $20,000 in new money, earn $750
- Maintain the minimum balance between days 31 to 90.
- Bonus will be deposited into the new Associated Bank business checking account within 120 days of account opening.
- Keep the account open for at least 12 months
Apply now to earn the $750 bonus from Associated Bank
Learn More:
18. KeyBank
KeyBank is back with their business checking bonus and is offering $500 to new business checking account customers after qualifying activities.
What's even more? You can stack this offer with their personal checking account bonus to earn a total of $800. There's also another $600 bonus for adding merchant services.
Quick note: This offer does have targeting language in it, so YMMV.
Business Checking - $500 bonus
Expires: August 21, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Schedule an appointment with a banker to open your KeyBank Basic Business Checking or Key Business Reward Checking® account
- Make a total of $5,000 or more within 30 days.
- Maintain a minimum daily balance of $5,000 or more for the first 90 days.
- Bonus will be deposited into your account within 60 days of meeting the requirements.
Apply now to earn the $500 bonus from KeyBank
Learn More:
19. Fidelity Bank
Available in Pennsylvania, Fidelity Bank is offering up to $800 in bonus cash when you open a new business account. The bonus breaks down into 3 parts: first open the account online for $50, then a $500 bonus for maintain a minimum balance and third, a tiered bonus for processing credit cards. Existing businesses can participate too, but only for the Merchant Services portion of the bonus, to earn up to $300.
Business Checking - up to $800 bonus
Expires: August 28, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $800 bonus. Full requirements to receive this bonus are:
- Open a new Fidelity business account online, earn $50.
- During the initial 3 months, maintain a daily balance of $10,000 or more, earn $450.
- Enroll in Merchant Services and process credit card transactions for 45 days, earn as follows: $100 for credit card sales of $1,000 – $5,000; $200 for credit card sales of $5,000.01 – $10,000; or $300 for credit card sales of >$10,000.
- $450 bonus will be deposited on the 1st business day after 120 calendar days from account opening.
- The Merchant Services credit will be made to the account within 30 days after the 45th day of processing.
Apply now to earn the $800 bonus from Fidelity Bank
Learn More:
20. Bask Bank
Bask Bank is offering new account holders an additional 20,000 American Airlines AAdvantage® miles – on top of what the Bask Mileage Savings account already accrues. They've upped the offer quite a bit from the early days (from 5,000 bonus miles), but also upped the minimum balance requirements.
You'll need to be a brand new Bask Bank customer to take advantage, but this offer is otherwise available nationwide with the ability to open online.
Bask Mileage Savings - 20,000 bonus miles
Expires: August 31, 2026
The Bask Mileage Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the 20,000 bonus miles. Full requirements to receive this bonus are:
- Open a new Bask Mileage Savings Account.
- Within 15 business days, fund your Bask Mileage Savings Account.
- For 90 consecutive days out of the first 120 days following the initial account opening, maintain a minimum daily account balance of $50,000
- AAdvantage® bonus miles are awarded within 10 business days and may take 6 to 8 weeks to post to your AAdvantage® account
Apply now to earn the 20,000 bonus miles from Bask Bank
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21. BMO
Now available nationwide, BMO is offering up to a $1,500 welcome bonus when you open a new business checking account and meet the minimum balance requirements.
Their offer is tiered: there's a $400 bonus for depositing $4,000 and a $750 offer for depositing at least $25,000, $1,000 for depositing at least $1,000, and $1,500 for depositing at least 100,000. For each tier, you have 30 days from account opening to make the initial deposit, and then you must maintain that balance for days 31-90.
Compared to the last time this business bonus was offered, BMO has increased the lower tier reward (from $350 to the current $400), while also lowering the amount of time needed to maintain your account balance (from 120 days to now 90). They also dropped the requirement for 10 qualifying transactions, although this wasn't too difficult to accomplish – mobile deposits, debit card purchases, ACH credits or debits, etc.
All in all, this is a fairly competitive offer for business owners, and it's only gotten better this time around.
Business Checking - up to $1500 bonus
Expires: August 31, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus. Full requirements to receive this bonus are:
- Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a BMO branch.
- Within 30 days, your account balance must be $4,000+ to qualify for the $400 offer, $25,000+ to qualify for the $750 offer, $50,000+ to qualify for the $1,000 offer, or $100,000+ to qualify for the $1,500 offer.
- From day 31 to day 90, your account balance cannot drop below the $4,000 / $25,000 / $50,000 / $100,000 requirement.
- Bonus will be deposited into the new checking account within 14 days of meeting the promotion requirements, approximately day 104.
Apply now to earn the $1500 bonus from BMO
Learn More:
22. Citizens Bank
Available in the Northeast and along the east cost, Citizens Bank is offering up to $1,500 on a new Business Advisor Checking® or Clearly Better Business Checking® account. The bonus is tiered by deposit size:
- Deposit $5,000 → earn $300
- Deposit $15,000 → earn $500
- Deposit $30,000 → earn $750
- Deposit $100,000 → earn $1,500
That $300 on a $5,000 deposit works out to roughly 30% annualized once you factor in the hold period. This is genuinely one of the better rates-of-return we've seen on a business checking bonus at this deposit level. No direct deposit required either; five basic transactions (debit purchases, bill pay, ATM deposits) is all it takes.
This is technically a targeted mailer offer, but Citizens is promoting it in branches without requiring the mailer, so it's worth walking in even if you didn't get one. YMMV on online eligibility.
Business Checking - up to $1500 bonus
Expires: August 31, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $1500 bonus. Full requirements to receive this bonus are:
- Open your first new Business Advisor Checking® or Clearly Better Business Checking® account
- Complete the offer requirements outlined on the Citizens Bank website, which include depositing new money, maintaining a cash balance and completing debit card transactions.
Apply now to earn the $1500 bonus from Citizens
Learn More:
23. Bank of Colorado
Available in Colorado and Arizona, Bank of Colorado is offering a $750 welcome bonus when you open a new business checking account and complete qualifying activities. This bonus also comes with a free merchant processing consultation and a free Treasury Management consultation, including a 60 day free trial of select Treasury Management Services. What's even more? They are offering a total of $750 in additional bonus credits for other services. Plus, at times, they offer a personal savings account bonus as well, which you can stack with this offer to earn even more!
Business Checking - $750 bonus
Expires: August 31, 2026
The Business Checking signup offer requires you to optionally, deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $750 bonus. Full requirements to receive this bonus are:
- Open a new business checking account at your local branch using promocode 750
- Within 90 days, receive $5,000 or more in ACH deposits OR make 15 debit card purchases.
- Bonus will be deposited into the account 90 days after account opening.
Apply now to earn the $750 bonus from Bank of Colorado
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24. Banner Bank
Available in select states with the ability to open online, Banner Bank is offering customers up to a $500 welcome bonus when you open a new business checking account and maintain minimum balance requirments. The higher your deposit, the higher your bonus.
What's more? You can earn an additional $500 bonus (up to $1,000 total!) by opening a business savings or money market account and completing the deposit requirements.
Business Checking - up to $500 bonus
Expires: September 30, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open a new business checking account using promotion code 2026DP.
- $250 Checking Bonus: Within 60 days, deposit at least $5,000 in new money and maintain at least a $5,000 minimum daily balance for an additional 90 days, earn $250.
- $500 Checking Bonus:Within 60 days, deposit at least $10,000 in new money and maintain at least a $10,000 minimum daily balance for an additional 90 days, earn $500.
- $500 Savings Bonus: 1) Open a Banner Bank business savings or money market account AND 2) Deposit at least $5,000 or $25,000 in new money within 60 days of account opening and maintain for 90 days.
- Bonus(es) will deposit within 30 days after you have met all the above requirements and your account has been open for at least 90 days.
Apply now to earn the $500 bonus from Banner Bank
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25. E*TRADE Bank
Available nationwide with the ability to open online, E*TRADE is offering a guaranteed 4.00% APY for six months plus a $400 cash bonus when you open a new Premium Savings Account through Morgan Stanley Private Bank. The two components work independently: the 4.00% rate applies automatically to all new accounts — no promo code needed — while the $400 bonus requires depositing new cash, then maintaining that balance.
The rate picture here is genuinely compelling. After the six-month promotional period ends, the account reverts to E*TRADE's standard base rate — currently 3.25% APY, which is still roughly 8x the national savings average and well above what most traditional banks offer. That makes this one of the better savings accounts to stick with long-term even after the boost expires. The $400 bonus on a $20,000 deposit works out to about a 2% return on top of the promotional rate, which stacks nicely for the first six months. Note that funds transferred from other E*TRADE or Morgan Stanley accounts don't count toward the $20,000 net-new requirement — it must be money coming in from outside.
Premium Savings - $400 bonus
Expires: September 30, 2026
The Premium Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Full requirements to receive this bonus are:
- Open a new Premium Savings Account on etrade.com by September 30, 2026 using promo code SAVING26.
- Within 30 days of account opening, deposit at least $20,000 of qualifying new money.
- Maintain your balance for 45 additional days after the 30-day funding period ends
- Bonus will be paid out within 30 days after the Maintenance Period (or 105 days following account opening) to the account where the deposit is made.
Apply now to earn the $400 bonus from E*TRADE Bank
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Want to see even more new account offers?
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 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:
- Capital One Quicksilver Cash Rewards Credit Card: $200 bonus
- IHG One Rewards Traveler Credit Card: 80,000 bonus points
- Fifth Third Preferred Cash/Back Card: 2% Cash Back
- The Platinum Card® from American Express: up to 175,000 bonus points
- Citi® Double Cash Card - 18 month BT offer: up to $200 + 2% Cash Back
1. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card comes with a $200 welcome bonus. All you need to do to qualify is make $500 worth of purchases within three months of opening the account.
The card has no annual fee, and cardholders also enjoy experiences such as VIP tickets and 5-star meals, among other perks.
The Capital One Quicksilver Cash Rewards Credit Card is a straightforward option, with a decent flat interest rate across all spending categories. While some cards offer more cash back and perks, it's a good choice if you don’t want to worry about tracking your spending in bonus categories.
Capital One Quicksilver Cash Rewards Credit Card - $200 bonus
The Capital One Quicksilver Cash Rewards Credit Card 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:
- Apply for a new Capital One Quicksilver Cash Rewards Credit Card using the link below.
- Within 3 months, spend $500 using your new card.
- Bonus will be credited to your rewards balance within 2 billing cycles.
Learn more about the Capital One Quicksilver Cash Rewards Credit Card $200 bonus offer
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2. IHG One Rewards Traveler Credit Card
Chase is currently offering 80,000 bonus points to new IHG One Rewards Traveler Credit Card cardholders.
The 80,000 points is enough for 3 free nights at an IHG property, which includes hotels and resorts under the brands Six Senses, Regent, InterContinental, Kimpton, Hotel Indigo, Voco, Hualuxe, Crowne Plaza, Holiday Inn, Candlewood Suites, and more. Not bad for a card with no annual fee!
The IHG One Rewards Traveler Card from Chase doles out a high reward for IHG stays, along with bonus categories for everyday spending. If you’re an IHG regular who wants to earn when you book trips without having to pay an annual fee, this card could be a valuable addition to your wallet.
IHG One Rewards Traveler Credit Card - 80,000 bonus points
The IHG One Rewards Traveler Credit Card 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:
- Apply for a new IHG One Rewards Traveler Credit Card using the link below.
- Within 3 months, spend $2,000 using your new card.
- Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.
Learn more about the IHG One Rewards Traveler Credit Card 80,000 bonus points offer
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3. Fifth Third Preferred Cash/Back Card
The Fifth Third Preferred Cash/Back Card offers cardholders an unlimited 2% cash back on every purchase you make using the card.
This no-annual-fee credit card is only available to Fifth Third Preferred Banking clients. If you qualify, the card comes with a straightforward rewards system: 2% on everything, with no tiered or rotating categories, no limit to your earning, and with rewards that never expire.
Fifth Third Preferred Cash/Back Card - 2% Cash Back
The Fifth Third Preferred Cash/Back Card offer requires you to make purchases using the account's card in order to earn the 2% Cash Back. Full requirements to receive this bonus are:
- Apply for a new Fifth Third Preferred Cash/Back credit card at your local branch or by phone.
- Use your new card for online or in-store purchases, and automatically receive 2% cash back directly to your rewards account.
- At any time, use the online portal to redeem your rewards for gift cards, cash back, or travel.
Learn more about the Fifth Third Preferred Cash/Back Card 2% Cash Back offer
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4. The Platinum Card® from American Express
The Platinum Card® from American Express comes with a new cardmember offer that can see you earn up to 175,000 Membership Rewards® Points after spending $8,000 within the first six months.
You also get a whole host of other annual perks including up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, a $240 digital entertainment credit, $200 Uber Cash, a $200 airline fee credit, Saks and LuluLemon credits and more! Enrollment required.
This is in addition to the lounge access and 5x Membership Rewards® Points on flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year) and hotel purchases through amextravel.com.
The Platinum Card from American Express is the original luxury card. While its annual fee is high at $695, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits. Terms Apply.
The Platinum Card® from American Express - up to 175,000 bonus points
The The Platinum Card® from American Express offer requires you to make purchases using the account's card in order to earn the 175,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Platinum Card® from American Express using the link below.
- Within 6 months, spend $8,000 on eligible purchases using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.
Learn more about the The Platinum Card® from American Express 175,000 bonus points offer
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5. Citi® Double Cash Card - 18 month BT offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
You'll earn up to 2% cash back each month on purchases (1% when you buy + 1% when you pay).
The Citi® Double Cash Card is hard to beat when it comes to straightforward rewards with no annual fee. You get a flat rate of 2% rewards—1% when you buy and another 1% when you pay it back—an incentive to build up your credit score by making payments on time.
Citi® Double Cash Card - 18 month BT offer - up to $200 + 2% Cash Back
The Citi® Double Cash Card - 18 month BT offer offer requires you to make purchases using the account's card in order to earn the $200 + 2% Cash Back. Full requirements to receive this bonus are:
- Apply for a new Citi® Double Cash Card using the link below.
- Within the first 6 months, spend $1,500, earn $200.
- Ongoing: Spend with your new card, earn 1% cash back. By the due date, pay at least the minimum balance due, earn an additional 1% cash back.
Learn more about the Citi® Double Cash Card - 18 month BT offer $200 + 2% Cash Back offer
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Direct Deposit Requirement: What Counts?
While the above list only includes bank bonuses without a direct deposit requirement, you may be surprised to learn that other bank offers that 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.
However, 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
- Insider tips to maximize your earnings
- 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.
Frequently Asked Questions
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, the 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.
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