Bank Promotions Without Direct Deposit

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

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

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

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

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

In This Article

20 Best Bank Promotions Without Direct Deposit for October 2021

Here are the 20 current best bank bonuses that don’t require a direct deposit:

  1. Citi: up to $1500 bonus
  2. Chase: $300 bonus
  3. Aspiration: $200 bonus
  4. NorthOne: $10 bonus
  5. Unifimoney: up to $5000 bonus
  6. U.S. Bank: $750 bonus
  7. Huntington: $200 bonus
  8. TD Bank: $200 bonus
  9. Discover: up to $200 bonus
  10. Alliant: $100 bonus
  11. Axos: $100 bonus
  12. Bask Bank: 1,000 bonus miles
  13. Flushing Bank: up to $1500 bonus
  14. S&T Bank: up to $600 bonus
  15. Santander Bank: $500 bonus
  16. PNC: $500 bonus
  17. Addition Financial: up to $400 bonus
  18. Old Plank Trail Community Bank: $300 bonus
  19. St. Charles Bank & Trust Company: $300 bonus
  20. Town Bank: $300 bonus

Citi Logo1. Citi

Available nationwide with the ability to open online, Citi is offering up to $1,500 when you open a new Citi Priority Account.

This is a tiered bonus based on the amount you're able to deposit and maintain in your new account. $15,000 in new funds will earn you $300; $50,000 will earn you $700; or $200,000 will earn you the full $1,500.

Depending on when you deposit the cash (it needs to be there by the 20th day), the bonus represents an effective rate of roughly 5-11% on your savings. The $300 offer nets you the best effective rate, but every offer is significantly more than what you can find on most savings accounts. So if you have the cash, this is a great way to put it to work, risk-free.

Citi Priority Account - $1500 bonus

Expires: January 4, 2022

The Citi Priority Account sign up offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus. Full requirements to receive this bonus are:

  1. Open a new Citi Priority Account using the link below.
  2. Within 20 days, deposit $15,000 into your new account to earn $300, $50,000 to earn $700, or $200,000 to earn $1,500.
  3. Maintain that balance for 60 days or more after the 21st day that the account was opened.
  4. Bonus will be credited to your open, eligible account within 90 calendar days after completing the requirements.

read the full terms

Chase Bank Logo2. Chase Bank

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

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

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

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

Chase Business Complete Banking℠ - $300 bonus

Expires: January 20, 2022

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

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

read the full terms

Apply now to earn the $300 bonus

Aspiration Logo3. Aspiration

Aspiration is offering a $200 bonus when you open one of their Aspiration Plus accounts and then spend at least $1,000 using your debit card.

The Plus account comes with some extra perks – including higher cash back and higher interest on your savings – but if you're looking for a free account to try first, they're also offering a $150 bonus for opening a basic Aspiration account (with the same requirements). With that account, you pay what you think is fair, even if it's $0.

Aspiration Plus - $200 bonus

Expires: N/A

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

  1. Open an Aspiration Plus account using the link below.
  2. Fund the account with at least $10.
  3. Within 60 days, make at least $1,000 in cumulative debit card purchases.
  4. The bonus will post to your account within 120 calendar days from account opening.

read the full terms

Apply now to earn the $200 bonus

NorthOne Logo4. NorthOne

NorthOne is offering BankBonus.com readers 1-month FREE to try their Business Banking account.

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

Business Banking - $10 bonus

Expires: April 22, 2022

The Business Banking sign up offer requires you to in order to earn the $10 bonus. Full requirements to receive this bonus are:

  1. Sign up using our link below.
  2. Fund your account with any amount.
  3. Your first month's fee will be waived.

read the full terms

Apply now to earn the $10 bonus

Unifimoney Logo5. Unifimoney

Available nationwide with the ability to open online, Unifimoney is offering up to a $5,000 welcome bonus in Bitcoin when you open a new checking or investing account. This is a tiered bonus, starting at $100; the more you deposit, the more you can earn:

  • $1,000 to $9,999 deposit: $25 in BTC
  • $10,000 to $19,999 deposit: $100 in BTC
  • $20,000 to $49,999 deposit: $250 in BTC
  • $50,000 to $99,999 deposit: $500 in BTC
  • $100,000 to $249,999 deposit: $1,000 in BTC
  • $250,000 to $499,999 deposit: $2,500 in BTC
  • $500,000+ deposit: $5,000 in BTC

High Yield Checking or Investing - $5000 bonus

Expires: N/A

The High Yield Checking or Investing sign up offer requires you to deposit and maintain a minimum balance in order to earn the $5000 bonus. Full requirements to receive this bonus are:

  1. Open a new account using the link below.
  2. Within 14 days, make deposits totaling $1,000 to earn $25; $10,000 to earn $100; $20,000 to earn $250; $50,000 to earn $500; $100,000 to earn $1,000; $250,000 to earn $2,500; or $500,000 to earn $5,000.
  3. Maintain that balance for 30 days for tiers 1 and 2, or 90 days for all other amounts ($20k+).
  4. Your Bitcoin reward will be paid into your Unifimoney Crypto account within 14 days.

read the full terms

Apply now to earn the $5000 bonus

U.S. Bank Logo6. U.S. Bank

U.S. Bank is offering a $750 cash bonus to small business owners who don't yet have a checking or payment solutions account with them.

You'll need to open both a new Gold Business Checking account and a new Payment Solutions account to be eligible for the promotion, but the requirements beyond that are super straightforward: just accept a single payment, and U.S. Bank will deposit the bonus into your checking account within 45 days.

If you're curious to learn more about how to process payments, U.S. Bank has this onboarding resource. The easiest way is to use your phone and rent a card reader for $5.

This bonus is available nearly nationwide (excludes NY and FL unless you have an existing relationship with U.S. Bank), and you can open the account online.

Gold Business Checking - $750 bonus

Expires: October 29, 2021

The Gold Business Checking sign up offer requires you to in order to earn the $750 bonus. Full requirements to receive this bonus are:

  1. Open a new Gold Business Checking Package and a new Payment Solutions Merchant Account using the link below.
  2. Within 30 days, accept and settle a Payment Solutions transaction into your new checking account.
  3. The bonus will be credited to your checking account within 45 days.

read the full terms

Apply now to earn the $750 bonus

Huntington Bank Logo7. Huntington Bank

Huntington is offering a welcome bonus to those opening new personal checking accounts. This one offers $200 for a $1,000 deposit into their interest-earning account.

This account comes with a monthly fee. If you don't qualify for the waiver, you can opt instead for a smaller bonus by making the same deposit into their basic (and fee-free) checking account.

Huntington 5 Checking® - $200 bonus

Expires: February 7, 2022

The Huntington 5 Checking® sign up offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Open a new Huntington 5 Checking account using the link below.
  2. Within 60 days, make deposits totaling $1,000.
  3. Keep your account open for 90 days.
  4. Bonus will be deposited to your new account within 14 days of meeting the requirements.

read the full terms

Apply now to earn the $200 bonus

TD Bank Logo8. TD Bank

TD Bank is offering a $200 welcome bonus if you open a new savings account by November 30. It works out to effectively be an interest rate of about 4% — significantly better than any savings account rates these days.

What's more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $150 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.

If you're eligible, we definitely recommend claiming this easy bonus.

Personal Savings Account - $200 bonus

Expires: November 30, 2021

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

  1. Open a TD Savings account using the link below.
  2. Within 20 days, deposit $20,000 and maintain that balance for 90 days.
  3. Bonus will be credited to your new account no later than 140 days from the account opening.

read the full terms

Apply now to earn the $200 bonus

Discover Bank Logo9. Discover Bank

Discover Bank is offering up to $200 for opening a new Online Savings account. You'll need to deposit $25,000 to earn the full amount, but $15,000 only results in a loss of $50.

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

Online Savings Account - $200 bonus

Expires: December 15, 2021

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

  1. Open a new Discover Online Savings Account using the link below.
  2. By December 15, deposit $15,000 to earn $150 or $25,000 to earn $200.
  3. Bonus will be credited to your account within 30 days of qualifying for the bonus.

read the full terms

Apply now to earn the $200 bonus

Alliant Credit Union Logo10. Alliant Credit Union

This is a nationwide bonus with a low deposit requirement – and from a really great credit union. While it does take a full 12 months to meet the requirement, the ROI is strong.

Ultimate Opportunity Savings Account - $100 bonus

Expires: December 31, 2021

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

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

read the full terms

Apply now to earn the $100 bonus

Axos Bank Logo11. Axos Bank

Available nationwide with the ability to open online, Axos is offering a $100 welcome bonus when you open a new business interest checking account and use the promo code NEWBIZ100. This bonus does not require a direct deposit, but does require a minimum balance for the qualification period.

Business Interest Checking - $100 bonus

Expires: December 31, 2021

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

  1. Have a business incorporated after 06/01/2020.
  2. Open a new Business Interest Checking account.
  3. For the two months following account creation, maintain an average minimum daily balance of $2,500.
  4. Bonus will be deposited into your new account within 5 business days of your statement cycle date.

read the full terms

Apply now to earn the $100 bonus

Bask Bank Logo12. Bask Bank

Bask Bank is offering new account holders an additional 1,000 American Airlines AAdvantage® miles – on top of what the Bask Mileage Savings account already accrues.

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 - 1,000 bonus miles

Expires: December 31, 2021

The Bask Mileage Savings sign up offer requires you to deposit and maintain a minimum balance in order to earn the 1,000 bonus miles. Full requirements to receive this bonus are:

  1. Open a new Bask Mileage Savings Account.
  2. Within 30 days, deposit $5,000 and then maintain that balance for 90 consecutive days.
  3. AAdvantage® bonus miles are awarded within 10 business days.

read the full terms

Apply now to earn the 1,000 bonus miles

Flushing Bank Logo13. Flushing Bank

If you have the cash and live within the Flushing Bank footprint, you can earn up to $1,500 for opening a new business checking account. This is a tiered offer, requiring at least $15,000 maintained for 90 days to earn $200. But you'll need $250,000 to earn the full $1,500.

The bank is also offering a $200 bonus for opening the same accounts, but with debit card and bill pay requirements. So if this one doesn't make sense for you, check out their other offers!

Business Checking Account - $1500 bonus

Expires: N/A

The Business Checking Account sign up offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus. Full requirements to receive this bonus are:

  1. Open a new business checking account in-branch.
  2. Over the next 90 days, maintain an average balance of $15,000 to earn $200, $25,000 to earn $350, $75,000 to earn $600, $150,000 to earn $1,000, or $250,000 to earn the full $1,500.
  3. Bonus will be given in the form of a mailed Visa gift card within 30 days of meeting the requirements.

read the full terms

Apply now to earn the $1500 bonus

S&T Bank Logo14. S&T Bank

S&T Bank is offering new business checking customers up to $600.

The bonus breaks down as $300 for opening a Basic Business Checking account and funding it with $1,000, while also requesting and activating a debit card. An additional $300 is up for grabs if you also open a new payment processing account with them, but if you can't or don't want to open the processing account, you can opt for just the $300.

Basic Business Checking - $600 bonus

Expires: December 31, 2021

The Basic Business Checking sign up offer requires you to deposit and maintain a minimum balance in order to earn the $600 bonus. Full requirements to receive this bonus are:

  1. Open a new Basic Business Checking account using the link below.
  2. Within 5 days, deposit $1,000 and maintain this balance through 01/01/2022.
  3. Apply, receive and activate a debit card to earn $300.
  4. To earn an additional $300, also open a new S&T payment processing account through Elavon and accept payments by Dec 31.
  5. Bonuses will be credited to your account on February 11, 2022.

read the full terms

Apply now to earn the $600 bonus

Santander Bank Logo15. Santander Bank

Santander Bank is offering new business checking account customers $500 for opening a new Business Checking or Business Checking Plus account.

You'll need to maintain an average daily balance of $3,500 for 90 days to earn the reward. That means you don't necessarily need to deposit $3,500 on day one, but the longer you wait to make a deposit, the higher the deposit needs to be in order to average out. They provide more details in the fine print!

Keep in mind that, like most business accounts, you'll need to go in-branch to open. Also, unlike their previous $450 offer, this one requires a unique promo code, which you'll receive after entering your email address using the link below.

Business Checking - $500 bonus

Expires: November 30, 2021

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

  1. Open a new Business Checking or Business Checking Plus account using the promo code from your welcome email or targeted letter.
  2. Deposit $3,500 and maintain that balance for 90 days.
  3. Keep your account open for at least 90 days.
  4. Bonus will be paid within 30 days of the meeting the requirements.

read the full terms

Apply now to earn the $500 bonus

PNC Bank Logo16. PNC Bank

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

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

If you're a small business owner with smaller balance or transaction volume, PNC is also running a $200 bonus for their small business checking accounts, so check those out, too!

Enterprise Checking Account - $500 bonus

Expires: December 31, 2021

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

  1. Open a new Treasury Enterprise Plan or Analysis Business Checking account.
  2. For 3 statement cycles, maintain a $30,000 balance.
  3. Bonus will be deposited within 90 days of meeting the requirements.

read the full terms

Apply now to earn the $500 bonus

Addition Financial Credit Union Logo17. Addition Financial Credit Union

Addition Financial wants to help children learn to save by rewarding them when they do. The credit union is offering cash back in the form of "Fun Bucks" each quarter that the child deposits at least $10. The catch, however, is that you'll forfeit these Fun Bucks by making any withdrawals, except during the full calendar year when the youth member is 12, 15 or 18 years old.

Fun Bucks Savings - $400 bonus

Expires: N/A

The Fun Bucks Savings sign up offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Full requirements to receive this bonus are:

  1. Open a regular youth savings account in-branch.
  2. Establish a Fun Savings account.
  3. Each quarter, deposit at least $10 to earn 1% APY cash back, up to $100.
  4. The bonus – or "Fun Bucks" – will automatically post to the Fun Bucks account on the last day of each quarter.

read the full terms

Apply now to earn the $400 bonus

18. Old Plank Trail Community Bank

Old Plank Trail Bank is a Wintrust Community Bank subsidiary, and they're offering small business owners a $300 sign up bonus for opening a new Entrepreneur Checking account.

You'll need to open the account in-branch and mention to the teller that you want to take part in this offer. After that the requirements are pretty straightforward: deposit and maintain $1,500 for 2 months, and complete 5 qualifying transactions each month. Qualifying transactions include ACH debits and credits, wire transfers, and debit card transactions, so that should be an easy requirement to meet.

Entrepreneur Checking - $300 bonus

Expires: December 31, 2021

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

  1. Open a new Entrepreneur Checking account and tell the bank you're aware of this offer.
  2. Enroll in online banking and eStatements.
  3. For 2 consecutive months, maintain a balance of $1,500.
  4. In the same 2 months, complete 5 qualifying transactions (ACH debit, ACH credit, wire transfer and debit card transactions).
  5. Bonus will be credited to your new account within 30 calendar days of meeting requirements.

read the full terms

Apply now to earn the $300 bonus

19. St. Charles Bank & Trust Company

St. Charles Bank & Trust Company is a Wintrust Community Bank subsidiary, and they're offering small business owners a $300 sign up bonus for opening a new Entrepreneur Checking account.

You'll need to open the account in-branch and mention to the teller that you want to take part in this offer. After that the requirements are pretty straightforward: deposit and maintain $1,500 for 2 months, and complete 5 qualifying transactions each month. Qualifying transactions include ACH debits and credits, wire transfers, and debit card transactions, so that should be an easy requirement to meet.

Entrepreneur Checking - $300 bonus

Expires: December 31, 2021

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

  1. Open a new Entrepreneur Checking account and tell the bank you're aware of this offer.
  2. Enroll in online banking and eStatements.
  3. For 2 consecutive months, maintain a balance of $1,500.
  4. In the same 2 months, complete 5 qualifying transactions (ACH debit, ACH credit, wire transfer and debit card transactions).
  5. Bonus will be credited to your new account within 30 calendar days of meeting requirements.

read the full terms

Apply now to earn the $300 bonus

Town Bank Logo20. Town Bank

Town Bank is a Wintrust Community Bank subsidiary, and they're offering small business owners a $300 sign up bonus for opening a new Entrepreneur Checking account.

You'll need to open the account in-branch and mention to the teller that you want to take part in this offer. After that the requirements are pretty straightforward: deposit and maintain $1,500 for 2 months, and complete 5 qualifying transactions each month. Qualifying transactions include ACH debits and credits, wire transfers, and debit card transactions, so that should be an easy requirement to meet.

Entrepreneur Checking - $300 bonus

Expires: December 31, 2021

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

  1. Open a new Entrepreneur Checking account and tell the bank you're aware of this offer.
  2. Enroll in online banking and eStatements.
  3. For 2 consecutive months, maintain a balance of $1,500.
  4. In the same 2 months, complete 5 qualifying transactions (ACH debit, ACH credit, wire transfer and debit card transactions).
  5. Bonus will be credited to your new account within 30 calendar days of meeting requirements.

read the full terms

Apply now to earn the $300 bonus

Bank Promotions without Direct Deposit FAQs

Does Bank of America offer bonuses?

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

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

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

Do checking offers expire?

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

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

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

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

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

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

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

Can I qualify for a bonus with credit card funding?

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

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

Are Bank 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.