Bank bonuses are a great way to earn some extra money, but they usually require a direct deposit.
But switching your direct deposit over to a new bank can be hassle, and may not be worth it just for a bonus.
So we've compiled a list of the best bank promotions that don't require a direct deposit. These offers range from $100 all the way up to $300, so there's sure to be something here for everyone.
Best Bank Promotions without Direct Deposit
These bank bonuses range from $100 all the way up to $300, so there's sure to be something here for everyone.
Top Bank Promotions Without Direct Deposit
1. Acorns – $20 Bonus
Expires: Limited Time
About: Acorns is a fintech company designed to make investing accessible for everyone. With Acorns, you can start investing spare change, save for retirement, earn more, and spend smarter in just a few minutes.
How to Earn:
- Set up your Acorns account in under 3 minutes.
- Set up Recurring Investments.
- Make your first successful Recurring Investment (minimum $5) to receive your $20 bonus within 10 days of the following month.
Additionally, Acorns offers excellent referral bonuses. Share your referral link with others and you could earn over $1,000 weekly!
Our Verdict:
The $20 Acorns bonus is a simple and encouraging incentive, especially for those new to investing. With a low minimum investment requirement and no direct deposit needed, it's an easy bonus to take advantage of.
Learn More: Acorns
2. Chase Secure Banking – $100 Bonus
Expires: October 15, 2025
About: Chase Secure Banking is a simple checking account designed for customers who want to avoid overdraft fees. With access to over 15,000 ATMs and 4,700+ branches nationwide, it's a convenient option backed by one of America's largest banks.
How to Earn:
- Open a new Chase Secure Banking account online or at a branch.
- Complete 10 qualifying transactions within 60 days of coupon enrollment.
- Qualifying transactions include debit card purchases, online bill payments, Zelle transfers, Chase QuickDeposit, or ACH credits.
- Your $100 bonus will be deposited within 15 days after completing requirements.
Our Verdict: This is one of the easiest bank bonuses to earn without direct deposit. Just make 10 simple transactions like buying coffee or paying a bill, and you're done. The $4.95 monthly fee can be waived with $250 in electronic deposits. Perfect for anyone wanting a straightforward bonus from a major bank.
Learn More: Chase Secure Banking
3. Upgrade – $200 Welcome Bonus
Expires: Limited Time
About: Upgrade is a financial technology company that offers credit services to consumers. The Upgrade card blends the features of a credit card and a line of credit for daily purchases, and pairs with their Rewards Checking Plus account.
How to Earn:
- Apply for any Upgrade Card (e.g., the Triple Cash Rewards Visa).
- Open and fund a new Rewards Checking Plus account.
- Make 3 debit card transactions within 60 days of account opening.
- Your $200 bonus will post within 60 days after completing requirements (many users report receiving it much faster).
Our Verdict: It's rare to find such a high bank bonus that doesn't require direct deposit or a minimum balance to open a new account. The Triple Cash Rewards Visa card also offers 3% cash back on Home, Auto, and Health purchases, and 1% on others, with no annual fees or late fees. One of the easiest high-value bonuses available.
Learn More: Upgrade
4. Chase Business Complete Checking – $300 Bonus
Expires: Limited Time
About: Chase Bank offers a range of business products including the Business Complete Checking account, designed for small business owners with features like same-day deposits, invoicing tools, and access to Chase's extensive branch network.
How to Earn:
- Open a new Chase Business Complete Checking account online.
- Deposit at least $2,000 in new money within 30 days of account opening.
- Maintain that balance for 60 days.
- Make 5 qualifying transactions within the first 90 days.
- Your $300 bonus will be credited within 15 days after completing requirements.
Our Verdict: This is the best business checking promotion currently available from Chase that doesn't require direct deposit. With the ability to open business checking accounts online and a relatively low deposit requirement, Chase makes it easy to earn this bonus.
Learn More: Chase Business Complete Checking
5. Huntington Bank Platinum Perks Checking – $600 Bonus
Expires: January 15, 2026
About: Huntington Bank is a regional bank serving the Midwest and select other states, offering a full range of personal and business banking products with an emphasis on customer-friendly features like 24-hour grace periods on overdrafts.
How to Earn:
- Open a new Huntington Platinum Perks Checking account with the promotion code.
- Deposit $25,000 or more in new money within 90 days of account opening.
- Maintain an open account status for at least 90 days.
- Your $600 bonus will be deposited within 14 days of meeting requirements.
Our Verdict: While this requires a significant deposit, it's one of the highest no-direct-deposit bonuses available. If you have $25,000 to park for 90 days, this works out to an excellent return. Available in CO, IL, IN, KY, MI, MN, NC, OH, PA, SC, WV, and WI.
Learn More: Huntington Bank
6. Bank of America Business Advantage – $200 Bonus
Expires: December 31, 2025
About: Bank of America's Business Advantage Banking account offers business owners access to one of the nation's largest branch and ATM networks, integrated business tools, and seamless integration with their credit card products.
How to Earn:
- Open a new Bank of America Business Advantage checking account online.
- Deposit at least $5,000 in new money within 60 days of account opening.
- Maintain an average balance of at least $5,000 for the next 60 days.
- Your $200 bonus will be deposited within 60 days after meeting requirements.
Our Verdict: A solid option for business owners who want a bonus from a major bank without the hassle of direct deposit. The $5,000 deposit requirement is reasonable, and Bank of America's nationwide presence makes banking convenient.
Learn More: Bank of America Business
7. Public – Earn 3.6% APY
Expires: Ongoing
About: Public provides a single platform for investing in stocks, treasuries, ETFs, crypto, bonds, and alternative assets. It offers a seamless experience for both new and seasoned investors.
How to Earn:
- Sign up for a Public account.
- Earn 3.6% APY on your cash in Public's High-Yield Cash Account.
- No subscription fees and no minimum balance requirements.
- FDIC insurance up to $5 million through partner banks.
Our Verdict: While not a traditional bank bonus, Public offers a competitive high-yield cash account that lets your money work harder with zero effort. The 3.6% APY is among the best available, and the $5 million FDIC coverage (20x standard) provides exceptional protection. Great for parking cash while you decide where to invest.
Learn More: Public
Tips for Claiming a Banking Bonus without Direct Deposit
Some bank promotions require that you open a new checking account and set up direct deposit, but there are plenty of ways to get around that. Here are a few tips:
If you're looking for bank promotions that don't require direct deposit, your best bet is to look for smaller banks and credit unions. They tend to have less strict requirements when it comes to bonuses.
Look for bank promotions that only require a certain amount of money to be deposited within a certain time frame. This is usually much easier to do than setting up direct deposit.
If you're having trouble finding bank promotions that don't require direct deposit, you can always try to negotiate with your bank. Many banks are willing to work with customers to find a promotion that meets their needs.
Final Thoughts on Bank Promotions
Earning a bank bonus is a great way to pad your savings account, but it can be tough to do if you don't have direct deposit set up.
Fortunately, there are plenty of bank promotions out there that don't require direct deposit. By taking advantage of these offers, you can earn some extra cash without having to go through the hassle of setting up direct deposit.
Do you know of any other bank promotions that don't require direct deposit? Let us know in the comments below.