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 2025
Here are the 25 current best bank bonuses that don’t require a direct deposit:
- HSBC: up to $3500 bonus
- Raisin: up to $1600 bonus
- U.S. Bank: $200 bonus
- Barclays: $200 bonus
- Axos: up to $600 bonus
- J.P. Morgan: up to $700 bonus
- Chase: $125 bonus
- Revolut: $10 bonus
- Baselane: $150 bonus
- Fulton Bank: $500 bonus
- Community Credit Union of Florida: $200 bonus
- SAFE Credit Union: up to $600 bonus
- Arizona Financial: $25 bonus
- Vantage Credit Union: $250 bonus
- Achieva Credit Union: up to $400 bonus
- SouthEast Bank: $250 bonus
- First National Bank of Omaha: $250 bonus
- Hanmi Bank: up to $200 bonus
- Hancock Whitney: $200 bonus
- CRBT: $300 bonus
- Newtown Savings Bank: $500 bonus
- BMI FCU: $450 bonus
- Dedham Savings: $300 bonus
- Associated Bank: up to $750 bonus
- Banner Bank: up to $600 bonus
1. HSBC Bank
Available nationwide, HSBC is offering up to $3,500 in welcome bonuses when you open a new HSNC 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 $3500 bonus
Expires: December 31, 2025
The HSBC Premier signup offer requires you to deposit and maintain a minimum balance in order to earn the $3500 bonus. Full requirements to receive this bonus are:
- Open a new HSBC Premier checking account during the Offer Period (October 1 - December 31, 2025).
- By December 31, add New Deposits as follows to your Premier checking account, Premier Savings account and/or Premier Relationship Savings account: $150,000 to $249,999, earn $1,000; $250,000 to $499,999, earn $2,500; $500,000+, earn $3,500
- Maintain the New Deposits through March 31, 2026.
- Earn a $25 Extra Cash Bonus when you register and logon to the HSBC US Mobile Banking App by December 31, 2025.
- If all offer requirements are met, Cash Bonuses will be paid by May 31, 2026.
Apply now to earn the $3500 bonus from HSBC
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2. Raisin
Available nationwide, Raisin is offering up to a whopping $1,600 welcome bonus this December when you open a new HYSA and deposit new funds. This is an INSANE OFFER from Raisin and nearly DOUBLE what they previously offered!
The catch? The total bonus is split up into quarterly payments over the course of 1 year. Each quarter, they will take you balance to determine your bonus payout. To earn the highest amount in a given quarter, you'll need to maintain at least $250,000 daily!
If you're not familiar with Raisin, they partner with several banks and credit unions to provide high yield savings accounts through their platform. There are no minimum balance requirements, no fees and a high APY on all balances.
High Yield Savings - up to $1600 bonus
Expires: December 31, 2025
The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $1600 bonus. Full requirements to receive this bonus are:
- Open a new HYSA account through the Raisin platform using promo code GIFT.
- Make your qualifying deposit before January 14th to be eligible for the first quarter’s bonus: $10,000 to earn $15; $25,000 to earn $38, $50,000 to earn $75; $100,000 to earn $150; $250,000+ to earn $400.
- Maintain balances for your desired bonus tier each quarter.
- Bonus payouts for each quarter will be credited directly to your Cash Account within 30 days of that quarter’s end.
Apply now to earn the $1600 bonus from Raisin
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3. U.S. Bank
Available nationwide, U.S. Bank is offering a $200 welcome bonus when you open a new Basic Business Savings account and complete qualifying activities. These include meeting new money deposit requirements and maintaining a minimum balance to earn the bonus. What's even more? You can stack this offer with their business checking account bonus to earn a total of up to $1,400.
Basic Business Savings account - $200 bonus
Expires: January 14, 2026
The Basic Business Savings account 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 new U.S. Bank Basic Business Savings account between 10/01/2025 and 1/14/2026 using promocode Q4SAV25.
- Make deposit(s) of at least $10,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $10,000 until the 60th day after account opening.
- Bonus will be deposited into your new eligible U.S. Bank Basic Business Savings account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Member FDIC.
Apply now to earn the $200 bonus from U.S. Bank
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4. Barclays Bank
Extended thru 2025 and available nationwide, Barclays is offering a $200 bonus to new customers that open a new Tiered Saving account and deposit $30,000. 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: December 31, 2025
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 $30,000 in new funds.
- For 120 consecutive days maintain at least a $30,000 balance.
- After the $30,000 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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5. 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: June 30, 2026
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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6. J.P. Morgan Wealth Management
Available nationwide with the ability to open online, J.P. Morgan Wealth Management is offering up to a $700 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+ | $700 |
This is the highest offer that we've seen to-date from J.P. Morgan.
Self-Directed Investing - up to $700 bonus
Expires: January 8, 2026
The Self-Directed Investing signup offer requires you to deposit and maintain a minimum balance in order to earn the $700 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; $5,000 - $24,999 = $50 bonus; $25,000 - $99,999 = $150 bonus; $100,000 - $249,999 = $325 bonus, $250,000 = $700 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 $700 bonus from J.P. Morgan
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7. Chase Bank
College students can earn this super easy bonus from one of our top national banks. Chase is offering $125 for opening a new Chase College Checking account and completing 10 qualifying transactions.
The 10 transactions sounds like a lot, but you have 60 days and everything from ACH credits, mobile check deposits, writing actual checks, Zelle, debit card purchases, and paying bills count.
The sooner you make those 10 transactions, the sooner you get paid: Chase will deposit your new checking account bonus within 15 days of the 10th transaction (but most report that the bonus actually only takes a couple of days).
Chase College Checking℠ - $125 bonus
Expires: January 21, 2026
The Chase College Checking℠ signup offer requires you to optionally, make purchases using the account's card and set up bill pay in order to earn the $125 bonus. Full requirements to receive this bonus are:
- Open a new Chase College Checking account using the link below.
- Within 60 days, complete 10 qualifying transactions.
- Bonus will be deposited into your new account within 15 days of meeting the requirements.
Apply now to earn the $125 bonus from Chase
Learn More:
8. 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:
9. 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:
10. 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: December 19, 2025
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 using promo code BCK500 (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:
11. Community Credit Union of Florida
Available in select Florida counties with the ability to open online, Community Credit Union of Florida is offering a $200 welcome bonus when you open select new share savings accounts and maintain a minimum balance.
What's more? CCUF is running a $300 checking account bonus (which is required to earn this bonus) meaning you'll earn a total of $500!
Share Savings - $200 bonus
Expires: December 31, 2025
The Share 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 new checking account and share savings account at the same time using promocode "MK-$300Checking"
- Within 30 days, deposit $15,000 or more in new money and maintain it for at least 90 days.
- Bonus will be posted by the 5th of the month, following the 90 days after meeting the above requirements.
Apply now to earn the $200 bonus from Community Credit Union of Florida
Learn More:
12. SAFE Credit Union
Available in California, SAFE Credit Union is offering up to a whopping $600 welcome bonus when you open a new personal checking account and set up direct deposit. This is a tiered offer, with direct deposit earning you $300 and minimum balance earning another $300.
Personal Checking - up to $600 bonus
Expires: December 31, 2025
The Personal Checking signup offer requires you to complete the following in order to earn the $600 bonus. Full requirements to receive this bonus are:
- Open a SAFE checking account using promo code SAFE600
- Enroll in eStatements.
- Within the first 60 days, make at least $1,000 in qualified direct deposits AND maintain at least $1,000 in direct deposits each month for the next two consecutive months, earn $300.
- Within 30 days, have at least $2,500 combined balance AND maintain the $2,500 balance for 90 consecutive days.
- Bonus(es) will be posted to your checking account within 30 days of qualification.
Apply now to earn the $600 bonus from SAFE Credit Union
Learn More:
13. Arizona Financial Credit Union
Available to youth in Arizona, Arizona Financial is offering a $25 welcome bonus when you open a new youth savings account and deposit new money. What's even more? Adults can become a member and earn a $300 welcome bonus for a new checking account.
Youth Savings - $25 bonus
Expires: December 31, 2025
The Youth Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $25 bonus. Full requirements to receive this bonus are:
- Become a member (or be an existing member) and open a new youth savings account for your child.
- Deposit $25 and AFCU will match
Apply now to earn the $25 bonus from Arizona Financial
Learn More:
14. Vantage Credit Union
Available in and around the St. Louis Missouri area, Vantage Credit Union is offering a $250 welcome bonus when you open a new personal checking account. Yep, that's it! Not funky deposit requirements or debit card spending needed to earn this bonus.
Personal Checking - $250 bonus
Expires: December 31, 2025
The Personal Checking signup offer requires you to complete the following in order to earn the $250 bonus. Full requirements to receive this bonus are:
- Become a member of Vantage Credit Union.
- Open a new personal checking account with promo code LN132CK
- Bonus will be deposited into the new checking account by March 31, 2026
Apply now to earn the $250 bonus from Vantage Credit Union
Learn More:
15. Achieva Credit Union
Available to businesses in Florida, Achieva Credit Union is offering up to a $400 welcome bonus when you open a new business checking account and complete new money and debit card transaction requirements. The amount you can earn will either be $200 or $400, depending on which account you open.
What's even more? You can stack this offer with both their checking account and referral bonuses to earn even more!
Business Checking - up to $400 bonus
Expires: December 31, 2025
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 $400 bonus. Full requirements to receive this bonus are:
- Open a new Essential Checking or Performance Checking account
- Within 15 days, deposit $5,000 with an Essential Checking Account (earn $200) OR $10,000 with a Performance Interest Checking Account (earn $400)
- Within 90 days, enroll in Business Online Banking and complete 15 debit transactions
- Your bonus will be deposited within 90 days after qualification.
Apply now to earn the $400 bonus from Achieva Credit Union
Learn More:
16. SouthEast Bank
Available in Tennessee with the ability to open online, SouthEast Bank is offering a $250 welcome bonus when you open a new Bonus Rate Checking account and deposit new money. You'll also need to meet the terms required to earn 3.55% APY high interest on the account, which includes debit card purchases.
Bonus Rate Checking - $250 bonus
Expires: December 31, 2025
The Bonus Rate 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 $250 bonus. Full requirements to receive this bonus are:
- Open a Bonus Rate Checking account.
- Within 30 days, make deposits totaling at least $4,000 in new money and maintain a positive daily balance through the 60th day following account opening.
- At least once within 60 days of account opening, meet the requirements to earn 3.55% APY on balances up to $20,000 (eStatements and 15+ debit card purchases).
- Bonus will be credited to the account within thirty (30) days of meeting all qualifications.
Apply now to earn the $250 bonus from SouthEast Bank
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17. First National Bank of Omaha
First National Bank of Omaha is offering new business checking account customers a $250 welcome bonus. You'll get a new account bonus just for opening the account and making a relatively small deposit.
One call out is that the fine print states that the bonus is only available if you open at a new branch location, but then it also specifies an online code to use (250BIZ).
Free Business Checking - $250 bonus
Expires: December 31, 2025
The Free 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 $250 bonus. Full requirements to receive this bonus are:
- Open a new Free Business Checking account in-branch with promocode 250BIZ.
- Within 31 days from account opening, deposit $1,000 in deposits OR complete 10 debit card transactions.
- Bonus will be deposited within 31 days.
Apply now to earn the $250 bonus from First National Bank of Omaha
Learn More:
18. Hanmi Bank
Available in select states, Hanmi Bank is offering up to a $200 welcome bonus when you open a new personal checking account and maintain a minimum balance. This is a tiered offer, where solo accounts can earn $100 or joint accounts $200. Be sure to spend your points within 3 years or they will expire!
What's even more? You can also stack this offer with their business checking account to increase total earnings up to an additional $2,000!
Personal Checking - up to $200 bonus
Expires: December 31, 2025
The Personal Checking 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 new personal checking account in branch (joint account required for highest bonus).
- Within 30 days, order and activate your debit card and enroll in uChoose Rewards.
- Starting the first full month, maintain a 3-month average daily balance of $3,000.
- Bonus will be rewarded as uChoose reward points and are credited within 30 days after the qualification period.
Apply now to earn the $200 bonus from Hanmi Bank
Learn More:
19. Hancock Whitney Bank
Want to make an easy $200 from Hancock Whitney? The requirements remain the same as the most recent offer they ran. To earn the bonus, you'll need to complete minimum deposits of only $2,500.
A $200 bonus for receiving $2,500 in deposits is a fairly solid offer, so we recommend checking it out if you have a business in Hancock Whitney Bank's footprint!
Keep in mind that you'll need to keep the account open for at least 6 months to avoid any early termination fees.
Business Checking - $200 bonus
Expires: December 31, 2025
The Business Checking 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:
- Visit the link below and open a new Preferred Business Checking, Interest Business Checking or Essential Business Checking account using your promocode and the email address it was sent to.
- By February 28, 2026, enroll in Business Online Banking and make $2,500 or more in total qualifying deposits.
Apply now to earn the $200 bonus from Hancock Whitney
Learn More:
20. Cedar Rapids Bank and Trust
Available to Iowa teens, CRBT is offering a $300 welcome bonus when you open a new Step Up Teen Checking account. Minors under 18 years old must have a parent or legal guardian as a joint owner. This is TRIPLE what it was when offered previously!
What's even more? You can stack this offer with 3.33% APY if you meet the requirements.
Step Up Teen Checking - $300 bonus
Expires: December 31, 2025
The Step Up Teen Checking signup offer requires you to complete the following in order to earn the $300 bonus. Full requirements to receive this bonus are:
- Open a new Step Up Teen Checking account.
- Use your account’s debit card at least once within 3 months.
- Bonus will be received within 30 days as long as the account is open and active.
Apply now to earn the $300 bonus from CRBT
Learn More:
21. Newtown Savings Bank
Available in Connecticut (and select NY counties), Newtown Savings Bank is offering a $500 welcome bonus when you open a new business checking account and maintain a minimum balance. It's pretty low at $1,500, so it's worth jumping on if you're in the local footprint.
Cornerstone Business Checking - $500 bonus
Expires: December 31, 2025
The Cornerstone 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 Cornerstone Business Checking account with at least $1,500 and promocode SPECIALBP.
- For 90 days, maintain a minimum daily balance of $1,500.
- Bonus will be credited to your Cornerstone Business Checking on the month-end following the 90-day perio
Apply now to earn the $500 bonus from Newtown Savings Bank
Learn More:
22. BMI Federal Credit Union
To close out 2025, BMI Federal Credit Union is offering new members that signup through a preferred employer $450 for opening a new personal checking account and using their debit card. This offer is the highest offer we've seen from BMI FCU so now's a good time to signup if you qualify. Keep in mind, you must keep the account open for 12 months or they'll claw it back.
Personal Checking [Preferred Partner] - $450 bonus
Expires: December 31, 2025
The Personal Checking [Preferred Partner] signup offer requires you to make purchases using the account's card in order to earn the $450 bonus. Full requirements to receive this bonus are:
- Be an employee of a preferred partner of BMI FCU and open a new checking account with promo code BDCHECK25.
- Within 90 days, make at least 30 Visa debit card transactions of at least $5 each and signup for eStatements.
- Bonus will be deposited within 10 business days after all qualifications have been met
Apply now to earn the $450 bonus from BMI FCU
Learn More:
23. Dedham Savings Bank
Dedham Savings is offering a $300 to new business checking customers! There are 5 eligible accounts to chose from so you're likely to find one that fits the needs of your business. If you live in their footprint, we recommend trying them out!
Business Checking - $300 bonus
Expires: December 31, 2025
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 $300 bonus. Full requirements to receive this bonus are:
- Open a qualified business checking account with funds not currently on deposit at Dedham Savings.
- Within 30 days of account opening, deposit a minimum of $2,000 in new money to the account and maintain that balance for 60 days.
- Within 60 days of account opening, complete 5 qualifying Dedham Savings transactions.
- $300 bonus will be deposited to qualified business checking account within 90 days after qualifications are met
Apply now to earn the $300 bonus from Dedham Savings
Learn More:
24. Associated Bank
Through 2025! 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: December 31, 2025
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
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25. 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.
You can earn an additional $100 bonus (up to $600 total!) by opening a business savings or money market account at the same time your Banner Bank checking account is opened and complete the deposit requirements.
This is one of the highest bonuses we've seen from Banner, so now would be a good time to signup!
Business Checking - up to $600 bonus
Expires: December 31, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $600 bonus. Full requirements to receive this bonus are:
- Open a new business checking account using promotion code 2025DP.
- $100 Checking Bonus: Within 60 days, deposit at least $1,000 in new money and maintain at least a $1,000 minimum daily balance for an additional 90 days, earn $100.
- $500 Checking Bonus:Within 60 days, deposit at least $25,000 in new money and maintain at least a $25,000 minimum daily balance for an additional 90 days, earn $400.
- $100 Savings Bonus: 1) Open a Banner Bank business savings or money market account at the same time your Banner Bank business checking account is opened; AND 2) Deposit a total of $1,000 or more in new money within 60 days of account opening and maintain a minimum daily balance of $1,000 or more 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 $600 bonus from Banner 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
- U.S. Bank Altitude® Connect Visa Signature® Card: 30,000 bonus points
- Fifth Third Preferred Cash/Back Card: 2% Cash Back
- The Platinum Card® from American Express: 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. U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank's Altitude® Connect Visa Signature® Card offers new cardholders a welcome bonus of 30,000 points after spending $1,000 on eligible purchases within the first 90 days of opening the account.
The Altitude® Connect Visa Signature Card comes with many ways to earn bonus points on purchases in popular categories, including hotels, travel, gas, grocery and more.
Whether you’re new to travel rewards or you simply want to add a streamlined rewards card to the mix, the U.S. Bank Altitude Connect Visa Signature is a solid pick. It comes with a low annual fee and competitive bonus rewards on gas, travel, dining, and groceries perfect for newbies.
U.S. Bank Altitude® Connect Visa Signature® Card - 30,000 bonus points
The U.S. Bank Altitude® Connect Visa Signature® Card offer requires you to make purchases using the account's card in order to earn the 30,000 bonus points. Full requirements to receive this bonus are:
- Apply for a U.S. Bank Altitude® Connect Visa Signature® Card using the link below.
- Within 90 days, spend $1,000 on eligible purchases.
- Bonus will post to your account within 6-8 weeks of completing the requirements.
Learn more about the U.S. Bank Altitude® Connect Visa Signature® Card 30,000 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.
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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 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 - 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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