Best Bank Bonus Promotions without Direct Deposit Requirement (October 2024)
Bank bonuses are great but one of the big (and annoying) requirements on many promotions is that you set up a direct deposit from your employer or government benefits.
Switching those direct deposit details can be a pain so what about offers that don’t require it?
They’re rarer, because they make you less likely to keep the account in the first place, but they’re still available. They’re often structured where you have to keep a large sum in there for 90-120 days, but if they pay a reasonable amount of interest, it can still be a good offer.
We do our best to keep this as accurate as possible; however, some of the offers mentioned may have expired.
Expires: not listed
Requirements:
About the offer:
How much you deposit will determine your bonus amount.
If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after January 1, 2021, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
Expires: 1/7/2025
Requirements:
About the offer:
Enhanced direct deposit means that you can make transfers from Venmo or Zelle to qualify. It doesn’t have to be a “classic” direct deposit where it’s government benefits (Social Security) or payroll from your employer. It can be but it doesn’t have to be!
Your bonus will be deposited into your account within 30 days of completing the required activities.
Here are other Citi bank bonuses.
Expires: 11/12/2024
Requirements:
About the offer:
This offer must be completed in a branch, click through to the Wells Fargo page and enter your email to get a code.
You’ll get the bonus within 30 days of meeting the requirements.
Here are other Wells Fargo promotions.
Expires: 1/7/2025
Requirements:
About the offer:
To complete this offer, you will have to visit a branch. On the promotion page, enter your email to get your offer code and instructions.
The account has a $35 monthly service fee that can be avoided if you have $250,000 or more in account balances with them.
Expires: 12/31/2024
Requirements:
About the offer:
Available to existing Ameriprise clients as of September 30, 2024 who have not received a savings bonus in the past 18 months.
The Ameriprise Bank Savings also offers a fairly competitive interest rate (rate depends on your account balance) while your savings are sitting there, making this a pretty good offer if you have $35,000 you don’t mind locking up until March.
Expires: 2/07/2025
Requirements:
About the offer:
Available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin.
The Huntington Platinum Perks Checking account has a maintenance fee you can get waived if you meet certain conditions.
Expires: at an unspecified date
Requirements:
About the offer:
The requirements must be met within 60 days of opening the account. As you can see, a direct deposit is one of the options but is not required. You can satisfy it by making enough purchases.
You must also be a resident of Alabama, Florida, Georgia, North Carolina, South Carolina, or Virginia.
Expires: 12/31/2024
Requirements:
About the offer:
The deposits do not have to be direct deposits, they just have to be transfers into the account. Make sure it’s at least $100 a month for a full year and you’re set. The first transfer has to be done within 30 days and they deposit the $100 bonus after 12 months.
Opt for eStatements and you can avoid the monthly maintenance fees.
Expires: 12/31/2024
Requirements:
About the offer:
How much you’ll earn as a bonus is based on your average daily balance over days 61-90:
Fees on the account will depend on which checking account you open.
Offer is limited to residents of IA, IL, IN, KS, MI, MN, MO, OH, and WI.
Expires: not displayed
Requirements:
About the offer:
Regions Bank runs a promotion with their LifeGreen Savings account where you get up to $100, structured as an annual savings bonus.
The $100 is structured as an annual savings bonus. If you meet the deposit requirements, the bonus is calculated on the average monthly balance for the 12 calendar months that precede your anniversary month.
Available to residents of AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, and TX and carefully read the terms to ensure you qualify.
Below, we’ve listed a few offers that have expired since we published them. We keep them listed in this group below in case the banks bring these offers back. They also act as a useful point of reference.
Once you do the checking bonus above, you can also give the savings bonus a try too. You can get up to $500 if you open a new savings account and make a deposit. The bonus is based on the deposit:
There are several savings accounts that qualify, including One Deposit Savings and Checking from Citizens, Citizens Quest® Savings and Checking, Citizens Private Client Savings and Checking. and Citizens One Deposit Savings and Student Checking.
Learn more about this offer
(This offer expires 4/30/2024)
Barclays is offering a $200 bonus for new customers.
Open a new Savings account, deposit $25,000 or more within 30 days and maintain at least $25,000 for the next 120 days.
After you’ve maintained the balance for 120 days, the bonus will be deposited in approximately 60 days. There is no direct deposit requirement.
We like this offer because you get the bonus in addition to a competitive high yield interest rate of up to 4.80% APY (with minimum balance requirements). A lot of high deposit bonus offers don’t pay any interest.
Terms Apply.
(Offer expires 5/3/2024)
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