Best Bank Promotions without Direct Deposit

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. Here are promotions that don't require a direct deposit.

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 10 best bank promotions that don’t require a direct deposit. These offers range from $100 all the way up to $1,000, 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 $2,000, so there’s sure to be something here for everyone.

Aspiration Spend & Save — $150

Want to get $150 for free? 

Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $150 just for opening a Spend & Save Account.

There’s no direct deposit required, however you must spend $1,000 within 60 days of getting your debit card.

This bank account is legit and only takes two minutes to sign up for an account.

($150 bonus for new accounts)
Want free money?
5.0

Want to get spotted a $150 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $150 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Citi® – up to $2000 (expires 1/9/2023)

Open a new checking account in an eligible account package from 7/18/22 through 1/9/23 and earn a cash bonus of up to $2,000 after completing required activities.

Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus.

Only New-to-Citibank checking customers can take advantage of this offer.

Check out all the offers here.

Discover Bank Online Savings Account — $150 or $200 (expires 9/15/2022)

Kick-start your savings with a $150 or $200 bonus offer. To earn your bonus, open a new Discover Online Savings Account and deposit at least $15,000 in new money within 20 business days. Your initial deposit can’t come from another Discover account. After meeting the requirements, you’ll receive your bonus within 10 business days.

This bank offer is available to U.S. residents only and you can learn more here.

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.

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