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 $200/$150 Bonus with promo code BCS223 by 06/15/2023 • Earn high interest rate of 3.60% 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 To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code BCS223 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. |
Chase Business Checking Bonus
 • Earn $300 when you open a new Chase Business Complete CheckingSM account. For new Chase business checking customers with qualifying activities. • Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card. • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAcceptSM. • Same-day deposits with QuickAccept. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost. • Alerts to help you stay on top of your account activity. • Easy account management through Chase Business Online and the Chase Mobile® app. • Unlimited electronic deposits, ACH and Chase QuickDepositSM • Convenient access to more than 16,000 ATMs and more than 4,700 branches. |
Citi® Offers
See Citi offers here.
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. • 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. |
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®. |
Huntington Bank Business Checking 100 Bonus
 • Open your Huntington Business Checking 100 Account today! • Earn $100 bonus when you open a Huntington Business 100 Checking account and then make a minimum cumulative new money deposit into the new checking account of at least $2,000 within sixty (60) days of account opening. • The $100 bonus will be deposited into your account after all requirements are met. • 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. |
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 |
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!
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Discover bank’s 360 offer expired one year ago.…
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.
Are there any bank promotions for residents of Georgia, (either online banking or traditional banking) for new customers WITHOUT DIRECT DEPOSITS??? We are looking to open a checking account and will maintain between $3,000-$7,000 for a period of time while we are planning a particular project.
Hancock Whitney bank required Direct deposit set up to qualify for the bonus. Thanks!