Best Bank Promotions With No Direct Deposit 2025

See our best bank promotions and bonuses with no direct deposit.

Direct deposit requirements are usually the largest hurdle when applying for a bank bonus since updating payroll information to a new account can be a headache.

On top of that, some banks are getting more restrictive to recurring direct deposits.

You will even find familiar banks such as Discover, Chase, Axos Bank, U.S. Bank offer simple requirements to meet their bonuses.

Furthermore, large banks such as Huntington Bank provide their services online and makes it easy to sign-up.

Keep reading to find out the best bank promotions with no direct deposit requirements.

Best Bank Bonuses Without Direct Deposit

Discover Savings Bonus

Open a Discover® Online Savings Account for all these features: • Earn high interest rate of 3.75% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details Apply Now at Discover

Chase Business Checking Bonus

• Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. • Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card. • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions. • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments. • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account. • Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology. • Associate Debit and Employee Deposit Cards available upon request Apply Now at Chase

Citi® Offers

Huntington Bank Unlimited Plus Business Bonus

• Open a Huntington Unlimited Plus Business Checking Account • Earn $1,000 bonus when you open a Huntington Unlimited Plus Business Checking account and make total deposits of at least $20,000 within 30 days of account opening. • Maintain minimum daily balance of $20,000 for 60 days after meeting deposit requirement. • The $1,000 bonus will be deposited into your account after all requirements are met. • Enjoy overdraft protection with no annual fee or deposit-to-deposit overdraft protection with no transfer fee! • Bonus Service. Choose one bonus service such as fraud tools, discounts on payroll services, or Huntington Deposit Scan® • Ideal for businesses with higher checking activity and greater cash flow needs. Apply Now at Huntington

Huntington Bank Unlimited Business Bonus

• Open a Huntington Unlimited Business Checking Account • Earn $400 bonus when you open a Huntington Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days of account opening. • The $400 bonus will be deposited into your account after all requirements are met. • Get Overdraft Protection Account with no annual fee, or Deposit-to-Deposit Overdraft Protection with no transfer fee. • Enjoy unlimited transactions. And up to $10,000 in cash or currency deposits monthly in-branch or at an ATM at no charge. • Designed for businesses with higher checking activity and greater cash flow needs. • Bonus service. Choose one bonus service such as fraud tools, discounts on payroll services, or Huntington Deposit Scan®. Apply Now at Huntington

Huntington Bank Business Checking 100 Bonus

Aspiration Spend & Save Offer

With Aspiration Spend & SaveTM, get the world’s first cash back account that lets you track the impact of your spending - all managed through one intuitive app. You'll save the planet and earn a $50 bonus and up to 5.00% APY. Customer must complete the following activities: • Open and fund an Aspiration Spend & Save Account or Aspiration Plus Account with a deposit of $10 or more, and • Uust use their Aspiration debit card to make at least $250 worth of cumulative transactions within 60 days of account opening Apply Now at Aspiration

Associated Bank Bonuses

• Availability: IL, MN, WI (Bank Locator)
• Credit inquiry: Soft Pull

BMO Harris Bonuses

• Availability: AZ, FL, IL, IN, KS, MN, MO, WA, WI  (Bank Locator)
• Credit inquiry: Soft Pull

First Horizon Bank Bonuses

• Availability: AL, AR, GA, KY, NC, MS, TN, VA (Bank Locator)
• Credit inquiry: Soft Pull

Santander Bank Bonuses

• Availability: CT, DE, MA, NH, NJ, NY, RI, PA (Bank Locator)
• Credit inquiry: Soft Pull

Bottom Line

The bonuses listed above are what we considered as best bank promotions without direct deposit.

If you know of any other great banks that do not require direct deposit, feel free to share it with our readers by commenting below and we will add it onto our list.

We strive to provide you the latest information on all bank deals and be sure to check our complete list of bank offers here across the nation for all your banking needs!

Stay updated and bookmark this page for the best bank bonuses with no direct deposit requirements!