13 Banks With Immediate Sign-Up Bonuses and No Direct Deposit Required

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What banks give you money for opening an account without direct deposit? Many banks offer generous sign-up bonuses, but there’s a lot to factor in before you receive that bonus.

Oftentimes, banks require a direct deposit to claim your bonus. Changing your payroll info to switch your direct deposit can be a hassle, especially if your new bank isn’t going to be your primary.

Banks With Immediate Sign-Up Bonuses and No Direct Deposit Requirement

With this in mind, GOBankingRates has compiled a list of banks with immediate sign-up bonuses. Some of these are business accounts and others are savings accounts, but none of them require a direct deposit to earn bonus cash. There are also a few rare treasures in this list — checking accounts with no direct deposit requirements to earn a sign-up bonus.

Be sure to read the fine print because you may have other requirements to fulfill besides direct deposit before you can claim your cash.

So, what is the best bank bonus now without a direct deposit requirement? Read on to find the top choices.

What Banks Give You Money for Opening an Account Without Direct Deposit?

You can get a bank sign-up bonus with no direct deposit at the following banks. You may have to meet other qualifications, though.

Wells Fargo

Now through July 8, 2025, Wells Fargo is offering a $125 bonus when you open a new Clear Access Banking account. Open the new account with just $25, and then complete 10 or more qualifying posted transactions within the first 60 days. Debit card purchases with a PIN, bill pay, and Zelle payments count toward the required transactions. Once the 60-day period is over, Wells Fargo will deposit $125 into your account within 30 days. Plus, you’ll never have to pay overdraft fees.

Huntington Bank

High earners can benefit at Huntington Bank with a $600 bonus when you deposit at least $25,000 into your Platinum Perks Checking account within the first 90 days and keep the account open for 90 days. This offer expires July 7, 2025.

If you don’t have $25,000 to deposit, you can open a Perks Checking account and receive one qualifying direct deposit within 90 days to earn $400. It’s not an instant sign-up bonus, but you’ll have your bonus within a few months. 

Flushing Bank

Flushing Bank allows new Complete Checking customers to earn up to $2,500 in a cash bonus when they maintain a minimum average balance for three months. 

• Deposit and maintain between $10,000 and $49,999 to earn $150 as part of the Complete Cash Rewards Bonus Program. 
• Earn $500 for a balance between $50,000 and $99,999. 
• Earn $1,000 for a balance between $100,000 and $249,999. 
• Finally, maintain a balance of $250,000 plus for three months and have $2,500 deposited into your account. 

The bonus will be paid by the 15^th of the month following the three-month qualification period. 

TD Bank

TD Bank’s Signature Savings and Simple Savings accounts both offer $200 in bonus cash when you open an account, deposit $10,000 or more within the first 20 days and then maintain at least a $10,000 balance for 90 days. TD Bank pays the bonus on or before 180 days after account opening. This offer expires Oct. 31, 2025.

Banks With Business Accounts Offering Sign-Up Bonuses and No Direct Deposit

Small business owners can also take advantage of sign-up bonuses with no direct deposit requirements. Since many businesses may not receive direct deposits from clients, these offers make it easy to take advantage of bonus cash, regardless of how your customers pay you. Next time you’re wondering what banks give you money for opening an account without direct deposit, check this list. 

Bank of America

Now through Dec. 31, 2025, Bank of America, Member FDIC, is giving small business owners a cash bonus of $200 when they meet specific requirements for their new Bank of America Business Advantage Fundamentals or Business Advantage Relationship Banking account.

You’ll need to deposit $5,000 or more in new money within 30 days of opening the account and maintain that balance 90 days after opening the account to earn the $200 cash bonus. 

Chase

New Chase Business Complete Checking customers can earn $500 when they open a new account and fund it with $2,000 in new money within the first 30 days of enrollment, maintain that balance for 60 days from account opening, among other criteria. Funds must not be transferred from other Chase accounts.

You must have five qualifying transactions within the first 90 days of enrollment. These can include direct deposits, but you can also qualify with other transactions.

You can make any five of the following transactions within 90 days from account opening to qualify for a $300 bonus, delivered within 15 days of meeting the qualifications.

• Credit and debit card payments using QuickAccept
• Debit card purchases
• Chase QuickDeposit
• Wire transfers (incoming or outgoing)
• Chase Online Bill Pay transactions

This offer expires on July 17, 2025.

PNC Bank

PNC allows business owners to earn bonuses of $400, $500 or $1,000, depending on their average daily ledger balance. The offers expire on June 30, 2025.

To Earn $400

Open a Business Checking account and maintain a minimum average ledger balance of at least $5,000 for the first three statement cycles. You also need to complete at least 20 qualifying PNC Bank Visa business debit card transactions within the first three statement cycles.

To Earn $500 or $1,000

Choose a Treasury Enterprise Plan or an Analysis Business Checking account and maintain an average ledger balance of at least $30,000 for the first three statement cycles. You can double your bonus and earn $1,000 if you maintain a $100,000 balance during that time. These offers expire on Dec. 31, 2024.

Citi

Citi offers top-tier rewards for its top customers with higher balances. Open a new Citibank Business Checking account and earn $300 when you deposit $5,000 to $19,999 in your new account within 45 days, then maintain the balance for another 45 days. Earn $750 with a $20,000 to $99,999 deposit; $1,500 with a $75,000 deposit; $1,500 with a $100,000 minimum deposit and $2,000 with a $200,000 minimum deposit.

Expired Bonuses

These are some of the bonuses that were available from banks that have now expired. 

U.S. Bank

U.S. Bank usually requires customers to set up direct deposits to earn bonuses, but there weren’t any direct deposit requirements to earn a $300 bonus with a Standard Savings account.

To qualify, you would have to open your savings account with at least a $25 minimum deposit. Then, continue funding your savings account with at least $25,000 or more in new money, and cannot be transferred from another U.S. Bank account. Maintain that $15,000 minimum balance to earn $300 in bonus cash.

Fulton Bank

Fulton Bank, headquartered in Lancaster, PA, offered a bonus of up to $250, with no direct deposit requirements. To cash in on a $200 bonus, you had to open a Simply Checking account and use your contactless debit card to make at least 15 purchases, totaling at least $300, within the first 60 days of account opening. You would earn another $50 by opening a Statement Savings account online and depositing at least $1,000 in new money within the first 60 days. 

M&T Bank

M&T Bank offered a cash bonus of $350 when you opened a MyChoice Premium Checking account. To gain the bonus, you had to maintain an average monthly balance of at least $10,000 for June and July. 

Wells Fargo

Wells Fargo once offered a $525 bonus if you opened a new Way2Save savings account. You must have funded the new account with just $25, and then deposited $25,000 in new money in the first 30 days after opening the account. The funds could not be transferred from another Wells Fargo account. Customers who maintained that balance through the first 90 days would have received $525 deposited into their account within 30 days.

Neobanks, Online Banks and Financial Service Companies Offering Sign-Up Bonuses With No Direct Deposit

With no or low monthly fees and high interest rates, these online banks and financial service companies offer cost savings compared to some traditional banks. Here are the best online banks with immediate sign-up bonuses and no direct deposit requirements.

Live Oak Bank

Live Oak Bank is offering a $300 bonus for opening a new account, and no direct deposit is required. You must open a personal savings account by May 16, 2025, and deposit a minimum of $20,000. You must maintain that minimum balance of at least $20,000 over the next 60 days after opening the account.

The Personal Savings account has a generous APY of and there are no monthly maintenance fees on the account.

Revolut

Revolut is a cash management account with plans starting at $0 per month. Funds stored with Revolut are backed up to federal allowable limits by Metropolitan Commercial Bank, Member FDIC.

You can earn a sign-up bonus when you open a Revolut account. You just have to sign up using a unique link from a Revolut partner and then make one qualifying transaction of at least $1 with your physical or virtual Revolut card. The bonus amount varies based on the promotional partner.

Expired Neobank and Online Bonuses

Though no longer available, you can see some of the bonuses that were once available from some institutions.

M1

M1 is a no-commission investment account offering more than 6,000 stocks and ETFs. With more than 1 million users and $6 billion in assets, M1 could be worth considering if you are just getting started investing or looking for an easy-to-use, no-fee investment account.

M1 was offering a bonus of up to $20,000 to invest if you transferred funds from another brokerage. The offer expired on March 31, 2024. Here’s how much you could’ve earned:

• $100,000 – $249,999: $250
• $250,000 to $499,999: $1,000
• $500,000 to $999,999: $2,000
• $1 million to $1,999,999: $4,000
• $2 million to $4,999,999: $10,000
• $5 million+: $15,000
• $7 million+: $20,000

Fidelity Investments

While Fidelity is not a bank, it offered a generous — and easy — bonus of $100 when you opened a new, eligible Fidelity cash management account with at least $50 and maintained a $50 balance for the first 15 days after opening the account. That’s a 200% return on your money, with no additional hoops to jump through or requirements to meet. This offer expired on Dec. 11, 2023.

Upgrade

Upgrade is an online financial services company backed by Cross River Bank, Member FDIC. The neobank offered a bonus of up to $200 when you opened a Premier Savings Account. You didn’t need to set up a direct deposit, but you did need to transfer the money to your account within 30 days of opening it. 

You could have earned $25 if you deposited $5,000 to $24,999 within the first 30 days of opening an account. The bonus increased to $50 if you deposit between $25,000 and $49,999. With a $50,000 deposit, you would have earned $150, and a balance of $100,000 would have earned you $200. 

Credit Unions With No Direct Deposit Sign-Up Bonuses

These credit unions offer sign-up bonuses that don’t rely on direct deposit to qualify. Most have broad membership requirements that allow most people with a Social Security or tax ID number to join.

SkyOne Federal Credit Union

SkyOne Federal Credit Union, headquartered in Hawthorne, California, is a federally insured credit union that’s easy for anyone to join. You must work for a SkyOne partner, or live, work, worship or go to school within a qualified area near the SkyOne Main Branch. Alternatively, anyone can join this credit union simply by joining the Surfrider Foundation. SkyOne pays for your first year’s membership in the organization.

SkyOne has a unique referral program that’s equally easy to participate in. Refer a friend to SkyOne, and when they join the credit union, you will each get a $25 Amazon gift card once your friend has been a member for 30 days. This isn’t your typical “sign-on bonus” for opening a checking or savings account, but it is an opportunity for SkyOne members to earn up to $500 to spend at Amazon each year. 

Clearview Federal Credit Union

Clearview Federal Credit Union is known as “Pittsburgh’s largest credit union,” and if you’re a new member, you can be eligible to receive $412 when you open a new account. You must use the promo code 412, open a checking account and go paperless with your bank statements. You must also deposit $412 into your account in the first 60 days.

There are five different checking accounts you can choose from: Absolute Checking®, Simple Checking, Basic Checking, Fresh Start Checking and Smart Spending. Once all requirements have been met, the bonus will be credit to your account within 30 days.

Alliant Credit Union

Alliant Credit Union doesn’t exactly offer instant gratification with its sign-up bonus. But it does reward disciplined saving behavior. Users have to open an Alliant Ultimate Opportunity Savings Account and deposit at least $100 per month for 12 months. You’ll earn a APY on your funds, along with a $100 cash bonus. This applies only to accounts opened between Jan. 10, 2021, and Dec. 31, 2025.

Alliant is an online credit union open to virtually anyone in the U.S. You just need to join Foster Care to Success, Alliant’s charity partner. Alliant even covers the $5 membership fee. Alternatively, if you work for an Alliant partner or live in a qualifying region, you may qualify without joining Foster Care to Success.

Expired Credit Union Bonuses

Even though these bonuses are no longer valid, you can still have a glimpse at what a credit union near you may have offered. 

American Airlines Federal Credit Union

The payoff may not be as much as it is with some of the other financial institutions on this list, but it also wasn’t very hard to qualify for a sign-up bonus. Users had to open a new checking account and make at least $25 in debit card purchases in the first 60 days of account opening to earn $25.

American Airlines offers three different checking accounts for adult customers, plus a teen/young adult checking for customers aged 13 to 25. All accounts either have no monthly fees or fees that can be waived, albeit with a direct deposit or minimum daily balance.

To become a member, you’ll need to be an employee or retiree of American Airlines or a subsidiary or otherwise work in the air transportation industry, or live in a household with the same. 

There is a $25 offer available currently, however, if you open a new Priority, Flagship, Ascend UChecking or Business Checking account with American Airlines. But you must set up direct deposit to receive it.

Expired Credit Union Bonuses

Suffolk Credit Union

Suffolk Credit Union offered a cash bonus of $300, with no direct deposit required. Here’s how it worked: Open a Momentum Checking Account and make at least one deposit of $500 in the first month to earn $100 in cash. Deposit $500 in the second month for another $100 bonus, and another $500 in the third month for a total of $300 in sign-up bonuses.

Suffolk Credit Union has no minimum balance requirements and no monthly fees. If you maintain an average daily balance of $5,000 or more and make at least 20 debit card purchases per month, you could earn rewards.

The only downside? Membership in SCU is only available to people who live, work, worship, attend school, volunteer in, or run a business or other legal entity in Nassau County, New York, or select towns in Suffolk County. 

Bottom Line

No direct deposit? No problem! Whether you’re in the market for a bank, credit union, online investment account or even another account that offers a fantastic CD rate, there are plenty of options for banks with immediate sign-up bonuses.

Taylor Milam-Samuel contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of April 23, 2025.

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