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
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 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.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds 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 may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by 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
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile® app.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
U.S. Bank Platinum Business Checking - $1,200 Bonus
Promo code Q1AFL26 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.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Platinum Business Checking: $1,200 bonus with $25,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds 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 may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by 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 $200 Bonus
- Open a Basic Business Checking account using promo code START200 by June 30, 2026.
- Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
- 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
- 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 50 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
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Top Checking Account Bonuses
Here are the best bank promotions without direct deposit requirements:
- Chase Secure Banking℠:
$125 Bonus - Wells Fargo:
Personal Checking Account - $125 Bonus - Huntington:
Personal Checking Account - $600 Bonus - Horizon Credit Union:
Personal Checking Account - $200 Bonus - Citi Checking:
$1,500 Bonus - Vantage Credit Union:
Personal Checking Account - $250 Bonus - Allegius Credit Union:
Personal Checking Account - $250 Bonus - Community First 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 - Power Financial Credit Union:
Personal Checking Account - $100 Bonus - Freedom Federal Credit Union:
Personal Checking Account - $100 Bonus - Starion Bank:
Personal Checking Account - $100 Bonus - Heritage Bank:
Personal Checking Account - $100 Bonus - Service Federal Credit Union:
Personal Checking Account - $100 Bonus - Vantage West Credit Union:
Personal Checking Account - $100 Bonus - The Union Bank Company:
Personal Checking Account - $50 Bonus - Altra Federal Credit Union:
Personal Checking Account - $50 Bonus - South Shore Bank:
Personal Checking Account - $50 Bonus - Waukesha State Bank:
Personal Checking Account - $250 Bonus - OneAZ Credit Union:
Personal Checking Account - $200 Bonus - Firstrust Bank:
Personal Checking Account - 5,000 Bonus Points - F&M Bank:
Personal Checking Account - $100 Bonus - Bank of Texas:
Personal Checking Account - $300 Bonus - Bask Bank:
Personal Checking Account - Up to $300 Bonus - First Commonwealth Bank:
Personal Checking Account - $200 Bonus - Old Second Bank:
Personal Checking Account - $50 Bonus - Synovus Bank:
Personal Checking Account - $150 Bonus - Christian Community Credit Union:
Personal Checking Account - $100 Bonus - Arrow Bank:
Personal Checking Account - $250 Bonus - SoFi:
Student Checking and Savings Account - $30 Bonus
Popular Savings Account Offers
- Ally Bank:
Online Savings Account - 3.30% APY - Synchrony Bank:
High Yield Savings - 3.65% APY - Popular Direct Savings Account:
3.90% 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 - Ameriprise Financial:
Personal Savings Account - $450 Bonus - Christian Community Credit Union:
Personal Savings Account - $100 Bonus - SoFi:
Student Checking and Savings Account - $30 Bonus - Arizona Financial Credit Union:
Youth Savings Account - $25 Bonus
Best Business Account Promotions
- Chase Business Complete Banking®:
Up to $500 Bonus - U.S. Bank Business Essentials:
$400 Bonus - Citibank Business Checking:
Up to $2,000 Bonus - Axos Bank:
Basic Business Checking - Up to $200 Bonus - PNC Bank:
Business Checking Account - $1,000 Bonus - Huntington:
Business Checking Account - $1,000 Bonus - BMO:
Business Checking Account - $1,000 Bonus - Fidelity Bank (PA):
Business Checking Account - $800 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 - Ballston Spa National Bank:
Business Checking Account - $100 Bonus - S&T Bank:
Business Checking Account - $900 Bonus - Central Bank:
Business Checking Account - $500 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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