Best Bank Promotions without Direct Deposit
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Looking for a new bank account? Check out these promotions with no direct deposit needed. See what banks will give you money, even without direct deposit.
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Trying to snag a bank bonus can be a hassle, especially when they throw a direct deposit requirement into the mix. It could even be discouraging enough to make you give up the bonus.
Well, don't worry. There are a few banks and credit unions out there that offer some pretty generous promotions without needing direct deposits.
Check out this list to compare the best deals on checking, savings, and even business accounts - all with no direct deposit required. So go ahead and snag that bonus with fewer hurdles in your way!
Promotions Without Direct Deposit Required
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, 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. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. 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 qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
U.S. Bank Business Essentials - $400 Bonus
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking 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.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
- Minimum Deposit to Open: $100
U.S. Bank Platinum Business Checking - $1,000 Bonus
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $1,000 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking 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.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
- Minimum Deposit to Open: $100
Basic Business Checking - Up to $400 Bonus
- Business owners get up to $400 welcome bonus!* Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
Business Interest Checking - 1.01% APY
- Interested in a $400 welcome bonus? Start growing your business and get up to $400 when you open a Business Interest Checking account by September 30. Just use promo code NEW400 on your application.**
- Up to 1.01% APY**
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 100 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
- Free online banking, image statements, and Bill Pay
- Minimum Deposit to Open: $100
Discover® Online Savings - $150 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, 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. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. 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 qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
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Top Checking Account Bonuses
Here are the best bank promotions without direct deposit requirements:
- Wells Fargo:
Personal Checking Account - $125 Bonus - Horizon Credit Union:
Personal Checking Account - $200 Bonus - Ent Credit Union:
Personal Checking Account - $200 Bonus - Citi Checking:
$1,500 Bonus - Allegius Credit Union:
Personal Checking Account - $250 Bonus - Community First Credit Union:
Personal Checking Account - $200 Bonus - Vantage West Credit Union:
Personal Checking Account - $200 Bonus - Community Credit Union Florida:
Personal Checking Account - $125 Bonus - Diversified Members Credit Union:
Personal Checking Account - Up to $120 Bonus - Stanford Federal Credit Union:
Personal Checking Account - $100 Bonus - Freedom Federal Credit Union:
Personal Checking Account - $100 Bonus - Heritage Bank:
Personal Checking Account - $100 Bonus - Service Federal Credit Union:
Personal Checking Account - $100 Bonus - Power Financial Credit Union:
Personal Checking Account - $100 Bonus - Starion Bank:
Personal Checking Account - $100 Bonus - Altra Federal Credit Union:
Personal Checking Account - $50 Bonus - South Shore Bank:
Personal Checking Account - $50 Bonus - BOK Financial Bank:
Personal Checking Account - $300 Bonus - Waukesha State Bank:
Personal Checking Account - $250 Bonus - Pyramax Bank:
Personal Checking Account - $130 Bonus - America's Christian Credit Union:
Personal Checking Account - $100 Bonus - Teachers Federal Credit Union:
Student Checking Account - Up to $100 Bonus - Firstrust Bank:
Personal Checking Account - 10,000 Bonus Points - Arrow Bank:
Personal Checking Account - $250 Bonus - Bask Bank:
Personal Checking Account - $200 Bonus - BMI Federal Credit Union:
Personal Checking Account - $450 Bonus - Rockland Trust Bank:
Personal Checking Account - $250 Bonus - Vantage Credit Union:
Personal Checking Account - $250 Bonus - Old Second Bank:
Personal Checking and Savings Account - $200 Bonus - Christian Community Credit Union:
Personal Checking Account - $100 Bonus - ProFed Credit Union:
Personal Checking Account - $100 Bonus - Commerce Bank:
Personal Checking Account - $300 Bonus
Popular Savings Account Offers
- Discover® Online Savings:
$200 Cash Bonus - Ally Bank:
Online Savings Account - 3.50% APY - Synchrony Bank:
High Yield Savings - 3.80% APY - Popular Direct Savings Account:
4.10% APY - Capital One:
Personal Savings Account - $1,500 Bonus - TD Savings Account:
$200 Bonus - Regions Bank:
LifeGreen Savings Account – Up to $100 Annual Savings Bonus - Bank of Hawaii:
Personal Savings Account - $200 Bonus - The Summit Federal Credit Union:
Personal Savings Account - $50 Bonus - MidFirst Bank:
iSave Savings Account - $25 Bonus - Northwest Federal Credit Union:
Personal Savings Account - $25 Bonus - Greater Nevada Credit Union:
Savings Account - $25 Bonus - Alliant Credit Union:
Personal Savings Account - $100 Bonus - Old Second Bank:
Personal Checking and Savings Account - $200 Bonus - Christian Community Credit Union:
Personal Savings Account - $100 Bonus - Eastern Bank:
Personal Savings Account - $250 Bonus
Best Business Account Promotions
- U.S. Bank Business Essentials:
$400 Bonus - Citibank Business Checking:
Up to $2,000 Bonus - Axos Bank:
Basic Business Checking - Up to $400 Bonus - PNC Bank:
Business Checking Account - $1,000 Bonus - Huntington:
Business Checking Account - $1,000 Bonus - Independent Bank:
Business Checking Account - $500 Bonus - MIDFLORIDA Credit Union:
Business Checking Account - $300 Bonus - Community First Credit Union:
Business Checking Account - $200 Bonus - Baselane Banking Account:
$150 Bonus - Freedom Federal Credit Union:
Business Checking Account - $100 Bonus - Central Bank:
Business Checking Account - $500 Bonus - S&T Bank:
Business Checking Account - $900 Bonus
Getting Paid Without Direct Deposit
Direct deposit makes it easy to receive payments. But there are other ways to get paid too if you don't want to set up direct deposit.
- Paper checks: With mobile check deposits, it's easy to snap a photo of a check and deposit it into your bank account, right from the app.
- Electronic transfers: Platforms like PayPal allows businesses to send money to an employee's personal account.
- Payroll cards: This is a prepaid card (by Visa or Mastercard) where the employer can load the employee's wages. You can use it just like a debit card.
Bottom Line
These are some of the best bank promotions without direct deposit. Whether it's bonus money for opening a new account, lower fees or a higher interest, you're sure to find something in this list. And if you're hungry for more, check out our full list of the current best bank promotions.
Write to Kevin L at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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