Best Bank Bonuses Without Direct Deposit – January 2022

Check out our complete list of the best bank bonuses available now without a direct deposit requirement.

Are you looking for a new checking, savings or business bank account? Check out these bank promotions with no direct deposit needed.

Be sure to check back often to see our updated list of bonus offers and read the details for the eligibility requirements. If you are interested, be sure to check out this promotion as well as other banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, BBVA, Wells Fargo, or CIT Bank.

Setting up for direct deposit can be time consuming and such a hassle. Some banks require you to do that and change where your paycheck is deposited in order to receive their sign up bonuses.

However, there are some banks that will let you earn the bank bonuses without direct deposit requirement.

Instead, they will require you to enroll in eStatements, online banking, or make a certain number of purchases each month to qualify for the bonuses.

Nowadays, these are the typical transactions we perform on a daily basis so this should not be too hard to achieve.

We have created a list of best checking and savings bank bonuses without direct deposit along with a brief summary on the steps on how to earn the bonus so you can view at ease and help you score some cash with less work on your end.

With banks ranging from Chase, Wells Fargo, Discover to local credit unions, there is definitely a financial institution for you to trust.

Go head and read on and make sure to bookmark this page as we will update our list monthly and keep you updated!

Best Bank Bonuses Without Direct Deposit

Discover Savings Bonus 

Open a Discover Online Savings Account for all these features: • Bonus offer applies for your first Discover Online Savings Account • Earn $200/$150 Bonus with promo code HMB122 by 03/15/2022 • Fund your first savings account with at least of $25K within 30 days of account open date to earn the $200 Bonus • Fund your first savings account with at least of $15K within 30 days of account open date to earn the $150 Bonus • Earn high interest rate of 0.40% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 Apply Now at Discover See advertiser website for full details

Chase Business Checking Bonus 

• Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities. • More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAcceptSM. • Same-day deposits with QuickAcceptSM. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost. • Alerts to help you stay on top of your account activity. • Easy account management through Chase Business online and the Chase Mobile® app. • Unlimited electronic deposits, ACH and Chase Quick DepositSM. • Convenient access to 16,000 ATMs and more than 4,700 branches. Get Coupon at Chase

Citi Promotions

• Availability: Nationwide (Bank Locator)

Huntington 25 Checking

Open your Huntington 25 Checking account today and enjoy: • $300 bonus by making cumulative new money deposits of at least $25,000 within 60 days of account opening. $500 will be deposited in your new account within 14 days of meeting requirements. • 24-Hour Grace Overdraft Fee Relief. It is designed to give you more time to make a deposit in order to avoid an Overdraft Fee. • Earn Interest on Balances. 0.05% Annual Percentage Yield applies to all balance tiers. • Free ATM Withdrawals. They’ll waive all non-Huntington ATM cash withdrawal fees at any ATM and reimburse you for some withdrawal fees charged by another ATM owner. • Waived Monthly Maintenance Fee • Credit score and identity monitoring at no added cost Apply Now at Huntington

Huntington Unlimited Plus Business Checking

• Open a Huntington Unlimited Plus Business Checking Account • Earn $750 bonus when you open a Huntington Unlimited Plus Business Checking account and make total deposits of at least $20,000 within 60 days of account opening. • The $750 bonus will be deposited into your account after all requirements are met. • Enjoy overdraft protection with no annual fee or deposit-to-deposit overdraft protection with no transfer fee! • Bonus Service. Choose one bonus service such as fraud tools, discounts on payroll services, or Huntington Deposit Scan® • Ideal for businesses with higher checking activity and greater cash flow needs. Apply Now at Huntington

Huntington Unlimited Business Checking

• Open a Huntington Unlimited Business Checking Account • Earn $400 bonus when you open a Huntington Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days of account opening. • The $400 bonus will be deposited into your account after all requirements are met. • Get Overdraft Protection Account with no annual fee, or Deposit-to-Deposit Overdraft Protection with no transfer fee. • Enjoy unlimited transactions. And up to $10,000 in cash or currency deposits monthly in-branch or at an ATM at no charge. • Designed for businesses with higher checking activity and greater cash flow needs. • Bonus service. Choose one bonus service such as fraud tools, discounts on payroll services, or Huntington Deposit Scan®. Apply Now at Huntington

Huntington Business Checking 100

• Open your Huntington Business Checking 100 Account today! • Earn $100 bonus when you open a Huntington Business 100 Checking account and then make a minimum cumulative new money deposit into the new checking account of at least $2,000 within sixty (60) days of account opening. • The $100 bonus will be deposited into your account after all requirements are met. • Overdraft Protection Line of Credit available, or Deposit-to-Deposit Overdraft Protection with no transfer fee. • Do business without a minimum checking account balance fee or maintenance fee. • No monthly maintenance fee applies to this account. • Enjoy up to 100 monthly transactions. And deposit up to $5,000 in cash or currency monthly in-branch or at an ATM at no charge. • Ideal for start-ups and small businesses with lower balances and checking activity. • Bonus Service Trial. Free 120-day trial of a fraud tool: Reverse Positive Pay. Apply Now at Huntington

Discover Cashback Debit Bonus

With the Discover Cashback Debit Account: • Earn 1% cash back on up to $3,000 in debit card purchases each month, which lets you earn up to a total of $360 Debit Card Cashback Bonus per year. • Anyone can open a Discover Cashback Debit account online • No monthly fees or monthly balance requirements • With over 60,000 no-fee ATMs in the U.S., Discover is always nearby. • Move money easily and securely with just a few clicks or taps (transfers to existing discover accounts are immediate)! • Manage your account and avoid late fees by paying bills online. • Deposit checks on the go with your phone or automatically with direct deposit. Apply Now at Discover

Aspiration Spend & Save

With Aspiration Spend & SaveTM, get the world’s first cash back account that lets you track the impact of your spending - all managed through one intuitive app. You'll save the planet and earn a $150 or $200 bonus and up to 1.00% APY. Offer tiers are as follows: • $150 credit for customers who open a standard Aspiration Spend & Save Account, or • $200 for customers who enroll into Aspiration Plus either during account sign up, or no later than 60 days from account opening, and continue to be enrolled in Aspiration Plus through the date of credit. Customer must complete the following activities: • Open and fund an Aspiration Spend & Save Account or Aspiration Plus Account with a deposit of $10 or more, and • Use their Aspiration debit card to make at least $1,000 worth of cumulative transactions within the first 60 calendar days from account opening. $1,000 transaction minimum refers to net purchases (purchases minus any credits or returns). Apply Now at Aspiration

BMI Federal Credit Union: Free Checking Account – $150 Bonus

Open a new Free Checking account using promo code NEWCHK21. Within 90 days of account opening, deposit at least $20, make a minimum of 30 Visa debit card transactions of at least $5/each, and sign up for electronic statements. Cash bonus of $150 will be deposited in the member’s savings account within 10 business days after all qualifications have been met.

BMI FCU is open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County in Ohio.

Direct Link to Offer (Expires 12/31/2021)

Ent Credit Union: Personal Checking Account – $200 Bonus

Open a new qualifying checking account using promo code CH200A. To qualify for bonus, complete the following within 30 days of account opening: meet membership and account qualifications, hold $5 in a savings account, make a minimum deposit of $100 into new checking account, and activate debit card.

Direct Link to Offer (Expires 12/31/2021)

Firstrust Bank: Personal Checking Account – $100 Bonus

Open a new FirstPay Eagles Premier Checking account. Make a Visa purchase of $100 or more within 60 days of new account opening. 10,000 bonus points will be given within 60 days of completing requirements. Bonus points can be redeemed for $50 gift card for every 5,000 points.

Direct Link to Offer (Expires 01/31/2022)

Waukesha State Bank: Checking Account – $100 Bonus

Open a qualifying checking account using promo code DDA100GEO21 and get $100 bonus. The $100 bonus is valid only for the following checking accounts: Free Checking with Direct Deposit, Simple Checking, Senior Advantage Checking, Advantage Plus Checking, Interest Checking, Student Checking and Value Added Checking Plus.

Direct Link to Offer (Expires 12/31/2021)

BMI Federal Credit Union: Free Checking Account – $150 Bonus

Open a new Free Checking account using promo code NEWCHK21. Within 90 days of account opening, deposit at least $20, make a minimum of 30 Visa debit card transactions of at least $5/each, and sign up for electronic statements. Cash bonus of $150 will be deposited in the member’s savings account within 10 business days after all qualifications have been met.

BMI FCU is open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County in Ohio.

Direct Link to Offer (Expires 12/31/2021)

Rockland Trust Bank: Personal Checking Account – $250 Bonus

Open a new Rockland Trust Checking account online or in branch. Make at least 20 purchases of $10 or more within 60 days of your account opening date. The bonus will be paid directly to your account by March 31, 2022. Account must be opened online or in a Worcester branch.

Direct Link to Offer (Expires 12/31/2021)

Regions Bank: Personal Checking Account – $200 Bonus

Open a new personal LifeGreen Checking account. Use promo code WINTER2021 when you open online, or register and present your personalized email voucher when you open your account at a local branch. Maintain an average daily balance of at least $500 for the first 60 days after account opening.

Direct Link to Offer (Expires 12/31/2021)

Tower Federal Credit Union: Prime Share Account – $100 Bonus

Open a new Prime Share account online or in branch. Use promo code CVD2021 at account opening. $100 bonus will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.

Direct Link to Offer (Expires 12/31/2021)

Local First Bank: First@Work Banking Program – $100 Bonus

Open a new First Bank First@Work checking account. Activate debit card and enroll in rewards program within 45 days of account opening. Make at least one qualifying transaction with your First Bank debit card within 45 days of account opening.

Direct Link to Offer (No Expiration Date)

Fort Hood National Bank: Military Saves Account – Up to $100 Bonus

Open a new Military Saves account. FHNB will match the initial opening deposit amount up to a maximum of $100. To qualify for bonus, complete the following activities: make a minimum initial opening deposit of $20, maintain an FHNB checking account and Military Saves account for 12 consecutive months, make deposits to your Military Saves Account that, in total, are at least equal to the amount of the initial opening deposit for the 11 consecutive months that follow the month in which the initial opening deposit was made.

Direct Link to Offer (No Expiration Date)

Arizona Federal Credit Union: Personal Checking Account – $100 Bonus

Open a new checking account using promo code PHXRISING. Complete 10 or more debit card transactions within 45 days of account opening.

Direct Link to Offer (No Expiration Date)

Community Credit Union Florida: Personal Checking Account – $100 Bonus

Open select CCU Debit/Checking account using promo code MK-100. To qualify for $100 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 10 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.

Direct Link to Offer (No Expiration Date)

Freedom Federal Credit Union: Personal Checking Account – $100 Bonus

Offer is valid only to members of Harford County Association of REALTORS (HCAR). Open a new qualifying checking account. Deposit $100 or more within 90 days to get bonus. Checking account must be opened along with a new Freedom Retail/Consumer membership.

Direct Link to Offer (No Expiration Date)

Spire Credit Union: Personal Checking Account – $100 Bonus

Get $100 when you open a Spire Free Checking account.

Direct Link to Offer (No Expiration Date)

Stanford Federal Credit Union: Personal Checking Account – $100 Bonus

Get $100 bonus when you open a new personal checking account within six months of graduation. Proof of graduation needed. Available to new Stanford FCU members only.

Direct Link to Offer (No Expiration Date)

Paradise Valley Credit Union: Personal Checking Account – $100 Bonus

Open a new qualifying PVFCU checking account. Apply for a debit card and complete at least 5 eligible debit card transactions posted to the account within 60 days of account opening.

Direct Link to Offer (No Expiration Date)

Community Credit Union Florida: Personal Checking Account – $125 Bonus

This offer is available to school employees only. Open a new qualifying checking account using promo code MK-125. To qualify for $125 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 10 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.

Direct Link to Offer (No Expiration Date)

Valley National Bank: Personal Checking Account – $150 Bonus

Open a new Valley My Choice Checking account with minimum opening deposit of $25. Receive $75 for activating Mobile Banking. Receive $75 for either completing a minimum of 20 debit card transactions of at least $5 OR for enrolling in online banking and completing three online bill payment transactions. Activities must be completed within 60 days of account opening to receive bonuses. Account must be enrolled in paperless statements with in the first 60 days of account opening.

Direct Link to Offer (No Expiration Date)

Palisades Federal Credit Union: Personal Checking Account – $300 Bonus

Open a new Palisades Checking account and deposit $15,000 or more on account opening. Maintain at least $15,000 in account for 90 days. Bonus will be deposited to your account within 30 business days after completing requirements.

Direct Link to Offer (No Expiration Date)

Diversified Members Credit Union: Personal Checking Account – Up to $120 Bonus

Open a Give Back Credit Union Rewards Checking account. Get $10 deposited monthly to your checking account when you complete the following: have at least 15 debit card transactions every month, and be enrolled in online banking and eStatements.

Direct Link to Offer (No Expiration Date)

Abington Bank: Personal Checking Account – Up to $200 Bonus

Open a new Green Checking or NOW checking account. Earn $100 when you set up qualifying direct deposits of at least $25 or activate online banking, and complete 5 qualifying debit card transactions within 60 days of account opening. Earn $50 when you make 5 bill payments using online banking and enroll in eStatements within 60 days of account opening. Earn $50 when you keep your account open and in good standing for 12 months or more.

Direct Link to Offer (No Expiration Date)

Valley National Bank: Personal Checking Account – Up to $240 Bonus

Open a new Valley All Access Rewards Checking account with minimum opening deposit of $100. Receive a cumulative total of $750 or more in qualifying direct deposits per month. Reward is paid over 12 month period, $20 each month.

Direct Link to Offer (No Expiration Date)

Campus USA Credit Union: Rising Star Checking Account – $100 Bonus

Open a new Rising Star Checking account. Have at least 3 debit card transactions per month for 3 months.
Rising Star Checking account is designed specifically for kids aged 13-17. Adult Joint Owner required. Joint owner must be 18 years or older. Bonus will be deposited to the checking account after the third month of required usage.

Direct Link to Offer (No Expiration Date)

Bottom Line

Above are just what we considered as best bank bonuses without direct deposit. If you know of any other great banks that do not require direct deposit, feel free to share it with our readers by commenting below and we will add it onto our list. Also, if you find out about a new bank bonus, let us know first and get paid up to $10 through our Rewards Program.

At HustlerMoneyBlog, we strive to provide you the latest information on all bank deals and be sure to check our complete list of Bank Promotions across the nation for all your banking needs!

Chase Bank Coupon Promo Codes $100, $200, $225, $300, $350, $500, $725, $1000, $2000 for January 2022

Huntington Bank Promotions: $100, $300, $400, $750 Checking Bonuses for January 2022

HSBC Bank Promotions: $200, $240, $450, $500, $600, $2,000 Checking Bonuses for January 2022

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