It’s no secret that there are some significant bank bonuses available to encourage new accounts. Unfortunately, many of these offers require setting up a direct deposit. For many Americans, the direct deposit requirement isn’t doable.

Luckily, you have options.

There are quite a few bank promotions without direct deposit requirements. To help you find the best account for your needs, I’ve reviewed these bonuses and selected the best options.

While none of these bank bonuses require a direct deposit, some require a deposit when you open your account or will require you to maintain an account balance for a specific period. However, this is manageable for most people.

Earn Bonus Cash: Earn a $300 cash bonus and up to a 4.00% APY when opening a checking and savings account.

Ready to dig into the accounts? Let’s go!

Banks With Immediate Sign-Up Bonus and No Direct Deposit Requirements

Here are the 12 best bank bonuses that don’t require direct deposit.

J.P Morgan

If you’re looking to open a new investing account to invest on your own, then a J.P. Morgan Self-Directed Investing account would be a great option. Plus, through January 8, 2026, you can earn up to a $700 bonus.

The bonus is determined by the new money you deposit into your account. The tier structure is below.

J.P Morgan Self-Directed Investing

When you sign up for a J.P. Morgan Self-Directed Investing account, you can earn up to $700 after completing the following requirements.

1. Open a new J.P. Morgan Self-Directed Investing account by clicking the button below.
2. Within 45 days of account opening, fund your new account with between $5,000 and $24,999 in new money to earn a $50 bonus; between $25,000 and $99,999 in new money to receive a $150 bonus; between $100,000 and $249,999 to earn a $325 bonus, or $250,000 or more in new money to earn a $700 bonus.
3. You must maintain your account for at least 90 days. Market fluctuations will not affect your ability to earn the bonus.

Once you’ve completed the requirements, your bonus will be added to your account within 15 days.

Upgrade

Upgrade is another online bank that offers bonus cash when you open a new checking account. You’ll earn $200 after signing up for a Rewards Plus Checking Account.

There is one slight twist to this promotion. In addition to signing up for a new checking account, you’ll also need to sign up for an Upgrade card. Our two favorites are the Life Rewards Card and the Cash Rewards Card.

Rewards Plus Checking Account – $200 Bonus

For a limited time, you can earn a $200 bonus when you sign up for an Upgrade Rewards Plus checking account and complete the following requirements.

1. Open a new Upgrade Card and a Rewards Plus Checking account.
2. Fund your new Rewards Plus checking account during the first 60 days of account opening.
3. Make three debit card purchases within those same 60 days from account opening.

Once you’ve completed these requirements, your $200 bonus will be credited within 60 days.

Discover Bank

There was a time when you could earn cash back on debit card purchases. Those days are gone unless you have a Discover® Cashback Checking Account. With this account, you can earn 1% cash back on up to $3,000 in monthly purchases. It’s not a bad way to earn a little bonus cash.

Discover Cashback Checking – up to $360 Bonus

When you sign up for a Discover Cashback checking account, you can earn 1% cash back on all purchases by following the instructions below.

1. Open a new Cashback checking account.
2. Use your Discover debit card to make all your everyday purchases, and you will earn 1% cash back on up to $3,000 each month. That means you can earn as much as $30 cash back each month or up to $360 over the entire year.

The cashback you earn will be deposited into your account at the beginning of the month.

Check out the other Discover Bank promotions that are available.

Capital One

Capital One is one of my favorite banks. I’ve had one of their savings accounts for over a decade and have never had any issues with them. As a digital-first bank, everything is done either online or through one of more than 70,000 fee-free ATMs.

When you sign up for their 360 Performance Savings Account, you’ll have the opportunity to earn up to $1,500. The bonus will be based on the amount of money you deposit into your account.

360 Performance Savings Account – up to $1,500 Bonus

When you sign up for a Capital One 360 Performance Savings Account, you can earn up to $1,500. You’ll need to complete the following steps:

1. Open a new 360 Performance Savings Account and use promo code BONUS1500.
2. Within 15 days of account opening, deposit $20,000 to earn $300, $50,000 to earn $750, or $100,000 or more to earn $1,500.

Once you complete the requirements, your bonus will be deposited into your new account within 60 days.

Learn more about the other Capital One promotions that are available.

Alliant Credit Union

Alliant Credit Union is one of the nation’s largest credit unions, with over 800,000 members and more than $19 billion in assets. In a partnership with Suzie Orman, it offers new members a $100 bonus when they sign up for an Ultimate Opportunity Savings Account.

The best part about this promotion is that the bonus requirements are pretty simple.

Ultimate Opportunity Savings Account – $100 Bonus

Through December 31, 2025, when you sign up for a new Ultimate Opportunity Savings Account from Alliant Credit Union, you can earn a $100 cash bonus. All you need to do is follow these simple requirements.

1. Open a new Ultimate Opportunity Savings Account.
2. Deposit at least $100 per month for 12 consecutive months.

Once you’ve made 12 consecutive $100 deposits, your $100 bonus will be added to your account within four weeks.

Learn more about all the available Alliant Credit Union bonus offers available.

Axos Bank

Axos Bank is a leading online bank that’s available nationwide. You can earn up to a $600 bonus when you open a Business Premium Savings account and Basic Business Checking account. To earn the bonus, you only need to maintain a minimum balance in your account and use your new debit card. No qualifying direct deposit is required.

Business Premium Savings Account and Basic Business Checking – up to $600 Bonus

Through June 30, 2026, you can earn up to $600 when you open a new Axos Bank Business Premium Savings Account and Basic Business Checking Account and complete the following requirements.

1. Open a new Business Premium Savings Account and Basic Business Checking Account and use promo code SBB600.
2. Within 30 days of account opening, you must deposit $1,000 or more into your Basic Business Checking account.
3. You’ll also need to use the debit card associated with your Basic Business Checking account to make two or more approved purchases of at least $50 for each transaction.
4. Maintain an average daily balance of at least $1,500 in the Basic Business Checking account.
5. Maintain an average daily balance of at least $50,000 in the Business Premium Savings account.

When you complete these requirements, you’ll be able to earn $100 each month for the first seven months. There is a maximum bonus of $600.

Make sure you check out the other Axos Bank bonus opportunities.

TD Bank

While most TD Bank checking account promotions have a direct deposit requirement, their savings account bonuses are available without direct deposit. Instead, you’ll need to make an initial deposit of at least $10,000 into your account.

TD Simple Savings Account – $200 Bonus

Through January 31, 2026, you can get a $200 bonus when you sign up for a new TD Simple Savings account. You’ll need to complete the following requirements.

1. Open a new TD Simple Savings account.
2. Deposit at least $10,000 into your new account within 20 days of account opening.
3. Maintain your $10,000 balance for 90 additional days after the first 20 days.

Once you complete your requirements, your bonus will be deposited within 180 days.

The bonus is not available if you’ve had a TD savings account opened in the past 12 months or received a TD Savings bonus in the past.

Make sure you check out the other TD Bank promotions.

Boost Your Savings: Open a Valley Bank High-Yield Savings Account through Raisin and earn 3.95% APY plus up to a $1,500 bonus.

Chase

Business checking promotions have always been more difficult to sign up for than personal checking bonuses. That’s because many of them require you to sign up within a branch location.

Chase recently made changes allowing you to sign up for a business checking account online. This is great news if you’re hoping to take advantage of the $300 bonus they offer on the Chase Business Complete checking account.

The best part is that the requirements are relatively simple and can be met without setting up a direct deposit.

Business Complete Checking Account – $500 Bonus

Through May 14, 2026, you can get a $500 bonus when you sign up for a Chase Business Complete Checking Account and complete the following requirements.

1. Open a new Business Complete Checking Account online or in a branch location.
2. Deposit at least $2,000 in new money into your account within 30 days of account opening and you’ll earn $300. Deposit at least $10,000 in new money and earn $500.
3. Maintain your balance for at least 60 days from account opening.
4. Complete at least five qualifying transactions within 90 days of account opening. Qualifying transactions include debit card purchases, ACH transactions, bank wires, Chase QuickAccept℠ deposits, Chase QuickDeposit℠, and bill pay.

Once you’ve completed the requirements, your bonus will be deposited within 15 days.

Secure Banking Account – $100 Bonus

Through March 27, 2026, you can earn a $100 sign-up bonus with no direct deposit requirement on the Chase Secured Banking Account. To receive your bonus, complete the following requirements.

1. Open a new Secured Banking Account online or enter your email address after clicking the button below. You’ll then be able to print a coupon that you can use to open your account in a Chase branch location.
2. Complete ten qualifying transactions within 60 days of account opening.

Once you’ve completed the requirements, your bonus will be paid within 15 days.

Make sure you also check out the other Chase Bank bonuses that are available.

Bank of America

Another business bank account that’s available without direct deposit is from Bank of America. You can score a $200 cash bonus when you sign up for the Business Advantage Banking Account.

Bank of America Business Advantage Checking Account – $200 Bonus

Through December 31, 2025, you can sign up for a new Bank of America Business Advantage checking account and earn a $200 cash bonus. Just complete the following requirements.

1. Open a new Bank of America Business Advantage checking account.
2. Deposit at least $5,000 in new money within 60 days of account opening.
3. Maintain an average balance of at least $5,000 for the next 60 days.

Once you’ve completed the requirements, your bonus amount will be deposited within 60 days.

Make sure you also check out the other Bank of America promotions.

U.S Bank

If you’re a small business with a significant amount of available cash, you’ll like the welcome bonus from U.S Bank. Signing up for a Business Essentials® account package, you can get $400. However, the Platinum Business checking account has an even higher $1,200 bonus.

Business Essentials® Checking Account – $400 Bonus

Through January 14, 2026, you can get a $400 cash bonus when you sign up for a U.S. Bank Business Essentials® Checking Account and complete the following requirements.

1. Sign up for a Business Essentials Checking with promo code Q4AFL25.
2. Deposit $5,000 or more in new money into your new checking account within 30 days of account opening.
3. Maintain your $5,000 balance for at least 60 days after account opening.
4. Complete at least five qualifying transactions.

Your bonus will be deposited within 30 days following the final day of the month the requirements were met.

Platinum Business Checking Account – $1,200 Bonus

Through January 14, 2026, you can earn a $1,200 bonus when you sign up for a U.S. Bank Platinum Checking account and complete the following requirements.

1. Sign up for a Platinum Business Checking and use promo code Q4AFL25.
2. Deposit $25,000 or more in new money into your checking account during the first 30 days.
3. Maintain your $25,000 balance for at least 60 days after account opening.
4. Complete at least five qualifying transactions.

Your bonus will be deposited into your new account 30 days after the end of the month when you complete the requirements.

Make sure you check out the other U.S Bank promotions.

Baselane

Baselane is a little different from the other banks on this list. It’s banking that’s built for landlords. If you’re a real estate investor, you could earn a $150 bonus when signing up for a new Baselane Banking account. There is no monthly minimum deposit and no monthly maintenance fees.

Baselane Banking Account – $150 Bonus

For a limited time, you can earn a $150 welcome bonus when you sign up for a new Baselane Banking Account and complete the following requirements.

1. Sign up for a new Baselane Banking Account.
2. Deposit at least $500 into your new account during the first 30 days.
3. Maintain your $500 or more account balance for at least 60 days.
4. Make at least $1,500 worth of mortgage payments from your Baselance account within 90 days.
5. Collect at least $1,500 worth of rent payments into your Baselane account within 90 days.

Once these requirements have been met, your bonus will be deposited within 30 days.

PNC Bank

PNC Bank typically runs several promotions at any given time. However, currently, they offer one bank bonus without direct deposit to small business owners. This bonus allows new account holders to earn $400 when they deposit $2,000 into their accounts and make 10 debit card purchases.

Business Checking Account – $400 Bonus

Through December 31, 2025, you can earn a $400 bonus when you sign up for a PNC Business account and complete the following requirements.

1. Open a new Business Checking or Business Checking Plus account.
2. Maintain an average ledger balance of at least $2,000 for the first three statement cycles.
3. Make at least 10 debit card purchases within the first three statement cycles.

Once you’ve completed the requirements, your bonus will be deposited into your account within 90 days.

Make sure you also check out the other PNC Bank promotions.

How to Choose the Best Bank Promotions Without Direct Deposit?

Bank promotions are a great way to earn a little extra cash. However, you should never open a new bank account just to get the bonus. The account should be something that helps you reach your financial goals. Before taking advantage of any bank bonus, ask yourself the following questions:

• Can I meet the minimum balance requirements to earn the bonus?
• Does the account offer the perks and features I want from a new bank account?
• Does the account have a monthly service fee?
• Does the bank have branch locations, or is everything done online?
• How long will it take to receive the bonus after completing the requirements?

Frequently Asked Questions

How to get Chase bonus without direct deposit?

While several Chase promotions require a direct deposit, a couple have no direct deposit requirements. When you open a Chase Secured account, you can earn a bonus after making ten qualifying transactions, including debit card purchases, transferring money through Zelle, and even using Bill Pay.

What bank gives money for opening an account without direct deposit?

There are a lot of banks that will give you money to open an account without direct deposit. Our favorites include Capital One, TD Bank, and Wells Fargo.