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Checking Account Bonus: No Direct Deposit Required!

The Citi® Double Cash Card – 18 month BT offer offer requires you to make purchases using the account’s card in order to earn the $200 + 2% Cash Back. The The Platinum Card® from American Express offer requires you to make purchases using the account’s card in order to earn the 175,000 bonus points. The Fifth Third Preferred Cash/Back Card offer requires you to make purchases using the account’s card in order to earn the 2% Cash Back. The IHG One Rewards Traveler Credit Card offer requires you to make purchases using the account’s card in order to earn the 80,000 bonus points. The Capital One Quicksilver Cash Rewards Credit Card offer requires you to make purchases using the account’s card in order to earn the $200 bonus. In addition to bank promotions, another way to earn bonus cash without needing to set up direct deposit is to explore credit card offers.
The Business Checking signup offer requires you to optionally, deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $750 bonus. The Business Checking signup offer requires you to deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $1500 bonus. The Perks Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Huntington is offering a welcome bonus to those opening new personal checking accounts. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus.
You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Most bank bonuses are relatively simple, but it’s important to follow the instructions to the letter. We monitor bonus expiration dates every weekday and make changes to our content as needed. If you have or had a Huntington Bank business checking account open in the six months, you’re not eligible for the bonus. You’re not eligible if you had a business checking account in the last 12 months. If you already have a current Wells Fargo personal checking account, or if you had one in the last 12 months, you are not eligible for this bonus.

Fifth Third Bank Checking Account: $350 bonus

• Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, if applicable.
• The HSBC Premier signup offer requires you to deposit and maintain a minimum balance in order to earn the $5000 bonus.
• Most bank bonuses have a few qualifying requirements.
• The Fifth Third Preferred Cash/Back Card offer requires you to make purchases using the account’s card in order to earn the 2% Cash Back.
• The Business Checking signup offer requires you to deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $1500 bonus.

We want to help you make personal finance decisions with confidence by providing you with free interactive tools, helpful data points, and by publishing original and objective content. The right bank promotions without direct deposit are out there for you. Usually, you have to dig through a bank’s website to find bonuses, but we launched BankBonus.com to make it easy to find the best bank bonuses in one place. Plus, if you’re new to bank promotions, your head may spin for a bit trying to learn the nuances, requirements, and pitfalls.

Best Bank Bonuses Without Direct Deposit Requirements – July 2026

Now available nationwide, BMO is offering up to a $1,500 welcome bonus when you open a new business checking account and meet the minimum balance requirements. The Bask Mileage Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the 20,000 bonus miles. You can stack this offer with their personal checking account bonus to earn a total of $800. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. You can stack this offer with their personal checking account bonuses to earn a lot more!

BMO Bank Checking Accounts: $400 bonus

• The Self-Directed Investing signup offer requires you to deposit and maintain a minimum balance in order to earn the $1000 bonus.
• The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus.
• Available in select midwestern states, Central Bank of the Midwest is offering a $500 welcome bonus when you open a new business checking account and maintain a minimum balance.
• The Business Checking signup offer requires you to optionally, deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $750 bonus.
• The Bank of America® Business Advantage Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus.
• The best bank promotions offer a significant cash bonus in exchange for signing up for a new account with no fees or easily avoided fees.
• New checking customers can earn up to $500 by opening a new eligible checking account, then setting up and receiving qualifying direct deposits into the new account within 90 days of account opening.

You’ll need to be a brand new Bask Bank customer to take advantage, but this offer is otherwise available nationwide with the ability to open online. Available in Colorado and Arizona, Bank of Colorado is offering a $750 welcome bonus when you open a new business checking account and complete qualifying activities. KeyBank is back with their business checking bonus and is offering $500 to new business checking account customers after qualifying leprezone casino activities.

Best bank bonuses for checking and savings

Add a direct deposit to your checking account and enjoy getting paid up to two days earlier with Priority Pay3. Interest is paid on your entire balance with a premium rate paid on your first $1,000.2 The revenue these partnerships generate gives us the opportunity to pay our great team of writers for their work, as well as continue to improve the website and its content. This means that, at no additional cost to you, we may get paid when you click on a link.

The Business Checking Account signup offer requires you to deposit and maintain a minimum balance in order to earn the $2000 bonus. The Baselane Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus. The Standard Account signup offer requires you to make purchases using the account’s card in order to earn the $10 bonus.

Chase Private Client Checking℠ – up to $3000 bonus

The Barclays Tiered Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. You must receive a total of $1,000 or more in qualifying electronic deposits to your account within 90 calendar days of account opening. To earn the bonus, you must make direct deposits totaling $500 or more within 90 days of account opening.
Available nationwide, Chase Bank is offering up to a $3,000 bonus when you open or upgrade to a new Chase Private Client Checking℠ account. Available nationwide, HSBC is offering up to a whopping $5,000 in welcome bonuses when you open a new HSBC Premier checking account and complete qualifying activities. Available nationwide, Barclays is offering a $200 bonus to new customers that open a new Tiered Saving account and deposit $25,000. Keep in mind that some of these accounts are available nationwide, while others might only be offered in the states in which the bank operates physical branches. Most bank bonuses have a few qualifying requirements.
If these qualifications are met, your bonus will be paid to your account within 120 days from account opening. However, in order to earn the bonus, you usually have to meet a few requirements. BONUS EARNED will be paid within 120 days from account opening One bonus per customer and only one bonus paid per account. To be paid, make sure you keep your Spending Account open and in Good Standing through the payout. If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum.