See our best bank promotions and bonuses with no direct deposit. Additionally, we provided some information on each bonus but read each review for more details before signing up.
Direct deposit requirements are usually the largest hurdle when applying for a bank bonus.
You will even find familiar banks such as Discover, Chase, 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.
Table of Contents
- 1 Best Bank Bonuses Without Direct Deposit
- 1.1 Discover Savings
- 1.2 Chase Savings Bonus
- 1.3 Huntington Bank H5 Checking Bonus
- 1.4 Huntington Bank $750 Business Bonus
- 1.5 Huntington Bank $400 Business Bonus
- 1.6 Huntington Bank $200 Business Bonus
- 1.7 Chase $200 Business Checking Bonus
- 1.8 Citibank $300/$500/$700 Checking Bonus
- 1.9 Associated Bank $400 Checking Bonus
- 1.10 BMO Harris Bank $500 Business Checking Bonus
- 1.11 Columbia State Bank $300 Business Checking Bonus
- 1.12 First Horizon Bank $300 Business Checking Bonus
- 1.13 SunTrust Bank $200 Business Checking Bonus
- 1.14 Santander Bank $620 Business Checking Bonus
- 2 Bottom Line
Best Bank Bonuses Without Direct Deposit
Discover Savings
 Open a Discover Online Savings Account for all these features: • Bonus offer applies for your first Discover Online Savings Account • Earn $200/$150 Bonus with promo code BCS220 by 3/2/2020 • Fund your first savings account with at least of $25K by 3/16/2020 to earn the $200 Bonus • Fund your first savings account with at least of $15K by 3/16/2020 to earn the $150 Bonus • Earn high interest rate of 1.60% 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 |
Chase Savings Bonus
 • Enjoy a $150 bonus when you open a new Chase Savings(SM) account, deposit a total of $10,000 or more in new money within 20 business days, and maintain a $10,000 balance for 90 days • Access to 16,000 Chase ATMs and nearly 4,900 branches • Link this account to your Chase checking account for Overdraft Protection. • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • Open your account online now. • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. |
Huntington Bank H5 Checking Bonus
 Open your Huntington 5 Checking account today and enjoy: • $200 bonus by making total deposits of at least $1,000 within 60 days of account opening. $200 will be deposited in your Huntington 5 Checking account after all requirements are met and your account is open for 90 days. • Earn interest on all balance tiers • 24-Hour Grace Overdraft Relief • Five Non-Huntington ATM withdrawal fees waived per statement • No minimum deposit needed to open • Enjoy mobile & online banking • 10% credit card rewards bonus |
Huntington Bank $750 Business Bonus
 • Open a Huntington Unlimited Plus Business Checking Account • Earn $750 bonus when you open a Huntington Unlimited Plus Business Checking account and make total deposits of at least $20,000 within 60 days of account opening. • The $750 bonus will be deposited into your account after all requirements are met and your account is open for 90 days. • 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. |
Huntington Bank $400 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 and your account is open for 90 days. • 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®. |
Huntington Bank $200 Business Bonus
 • Open your Huntington Business Checking 100 Account today! • Earn $200 bonus when you open a Huntington Business 100 Checking account and make total deposits of at least $2,000 within 60 days of account opening. • The $200 bonus will be deposited into your account after all requirements are met and your account is open for 90 days. • Overdraft Protection Line of Credit available, or Deposit-to-Deposit Overdraft Protection with no transfer fee. • Do business without a minimum checking account balance fee or maintenance fee. • No monthly maintenance fee applies to this account. • Enjoy up to 100 monthly transactions. And deposit up to $5,000 in cash or currency monthly in-branch or at an ATM at no charge. • Ideal for start-ups and small businesses with lower balances and checking activity. • Bonus Service Trial. Free 120-day trial of a fraud tool: Reverse Positive Pay. |
Chase $200 Business Checking Bonus
 • Get $200 as a new Chase business checking customer, when you open a Chase Total Business Checking® account with qualifying activities • Access to 16,000 ATMs and nearly 4,900 Chase branches • Chase has business specialists at your local branch to help with your business needs • Account Alerts are a great way to stay on top of your account's activity and enhance security • Unlimited electronic deposits at no charge, including Chase QuickDepositSM, ACH and ATM |
Citibank $300/$500/$700 Checking Bonus
- What you’ll get: $300, $500 or $700 bonus
- Availability: Nationwide (Bank Locator)
- Credit inquiry: Soft Pull
- Eligible account: Basic Banking Package ($300), CitiBank Account Package ($500), Citi Priority Account Package ($700)
- How to earn it:
- Open a qualifying account during the offer period.
- Fund the account within 30 days of opening.
- Maintain the minimum account balance requirement for 60 consecutive days and you will earn your bonus.
- Full Review
(Expires March 31, 2020)
Associated Bank $400 Checking Bonus
- What you’ll get: $400 bonus
- Availability: IL, MN, WI (Bank Locator)
- Credit inquiry: Soft Pull
- Eligible account: Associated Forward Checking and Associated Relationship Savings
- How to earn it:
- Open an Associated Forward Checking account and make three payments using Associated Bank Online Bill Pay.
- Open an Associated Relationship Savings Account with a minimum deposit of $25,000 and maintain the account balance for 90 days.
- Full Review
(Expires June 30, 2020)
BMO Harris Bank $500 Business Checking Bonus
- What you’ll get: $500 bonus
- Availability: AZ, FL, IL, IN, KS, MN, MO, WA, WI (Bank Locator)
- Credit inquiry: Soft Pull
- Eligible account: Business Advantage Checking Account
- How to earn it:
- Open a new Business Advantage Checking account during the promotion period.
- Deposit at least $5,000 within 30 days of account opening, then maintain this account balance for the next 60 days.
- Have at least 10 electronic transactions post to your account within 60 days of account opening.
- Full Review
(Expires April 30, 2020)
Columbia State Bank $300 Business Checking Bonus
- What you’ll get: $300 bonus
- Availability: ID, OR, WA (Bank Locator)
- Credit inquiry: Soft Pull
- Eligible account: Business Growth Checking, or Business Relationship Checking Account
- How to earn it:
- Submit your email in the link in order to receive your unique promotion code.
- Open a qualifying business checking account using your promotion code.
- Fund the new account with $500 or more within 15 calendar days of opening, and maintain the average daily balance for the first 90 days.
- Full Review
(Expires February 29, 2020)
First Horizon Bank $300 Business Checking Bonus
- What you’ll get: $300 bonus
- Availability: AL, AR, GA, KY, NC, MS, TN, VA (Bank Locator)
- Credit inquiry: Soft Pull
- Eligible account: BizEssentials Checking
- How to earn it:
- You must open any BizEssentials Checking account from First Horizon Bank with a $5,000 minimum deposit by March 31, 2020 using the promo code: BZD300.
- Complete 5 qualifying payment transactions within the first 30 days of account opening.
- The $300 bonus will be credited to your account within 6 weeks of meeting all requirements.
- Full Review
(Expires March 31, 2020)
SunTrust Bank $200 Business Checking Bonus
- What you’ll get: $200 bonus
- Availability: AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA, WV (Bank Locator)
- Credit inquiry: Soft Pull
- Eligible account: Simple Business Checking, Primary Business Checking or SunTrust Business Advantage Plus account
- How to earn it:
- Open a qualifying account online or at a branch using promo code: SB19Q4CHECKING.
- Fund the account with $1,500 within 30 days of opening the new account.
- Full Review
(Expires March 31, 2020)
Santander Bank $620 Business Checking Bonus
- What you’ll get: $620 bonus
- Availability: CT, DE, MA, NH, NJ, NY, RI, PA (Bank Locator)
- Credit inquiry: Soft Pull
- Eligible account: Business Checking, Business Checking Plus
- How to earn it:
- Open a new Business Checking or new Business Checking Plus account
- Maintain an average daily balance of $3,000 or more for the first 90 days
- Next, link your new Santander Merchant Services processing account to your Santander business checking account
- Receive 2 or more Santander Merchant Services payments into your account within 90 days
- Lastly enroll in Santander® Check Deposit Link
- Full Review
(Expires March 31, 2020)
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!
The Best Bank Offers are updated here. See the below pages to get started with some of the best offers: • Chase Bank Offers. Chase offers a range of attractive Checking, Savings and Business Accounts. Chase has a great selection of sign-up bonuses in comparison to other big banks. • HSBC Bank Offers. HSBC Bank routinely has offers for several of their Personal Checking and Business Checking accounts. They also have a good referral program. • Huntington Bank Offers. Huntington Bank has high bonus amounts available through their Checking and Business Checking. Huntington also offers a Business Premier Money Market Account. • Discover Bank Offers. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs. • TD Bank Offers. TD Bank consistently offers a fantastic selection of checking accounts to cater to your banking needs. However, savings account offers are less frequently available. |
| BONUS LINK | OFFER | REVIEW |
| Chase SapphireSM Checking | $1,000 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| BBVA Online Checking | $250 Cash | Review |
| CIT Bank Savings Builder | $300 Cash | Review |
| HSBC Premier Checking Member FDIC | $700 Cash | Review |
| HSBC Advance Checking Member FDIC | $350 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
How can I open new accounts, receive sign-up bonuses, and make my own deposits overcoming the “qualifying direct deposit” requirements?
What about ACH?
Please email me the solutions-
Ideally, the answer to you’re question would be posted as a reply to you here publicly. Someone else out there reading this may have the same question.
My husband and I have excellent credit and we tried to get the HSBC advanced checking bonuses and
our application kept being denied! We even checked our credit report for unauthorized activity and
there was nothing.
Hancock Whitney bank required Direct deposit set up to qualify for the bonus. Thanks!