Best Bank Bonuses Without Direct Deposit – January 2020

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 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

Chase Sapphire Checking Bonus

With the Chase SapphireSM Checking: • Enjoy a $1,000 welcome bonus when you join SapphireSM Banking. Within 45 days, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs) and maintain that balance for 90 days. • Enjoy a new kind of banking experience • No ATM fees worldwide - down the street or around the globe • Perks that add up - relationship rates, special access and help when you need it • Open online • Email my upgrade code • Available in: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV Apply Now at Chase

Full Review

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 HMB120 by 2/3/2020 • Fund your first savings account with a minimum of $25K by 2/17/2020 to earn the $200 Bonus • Fund your first savings account with a minimum of $15K by 2/17/2020 to earn the $150 Bonus • Earn high interest rate of 1.70% 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

Full Review

Chase Savings Bonus

• Enjoy a $150 bonus when you open a new Chase Savings(SM) account, deposit a total of $10,000 or more in new money within 20 business days, and maintain a $10,000 balance for 90 days • Access to 16,000 Chase ATMs and nearly 4,900 branches • Link this account to your Chase checking account for Overdraft Protection. • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • Open your account online now. • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. Apply Now at Chase

Full Review

CIT Bank Savings Builder

With the CIT Bank Savings Builders account: • Get up to $200 when you open an account. Earn $100 with a $25,000 to $49,999 deposit; earn $200 with $50,000 or more. • Earn a top tier, competitive APY on your money—one of the top savings rates in the nation. Earn 1.80% APY on your funds - grow your savings faster. • Build a habit of savings. Pay yourself first. Start with $100 per month and build your habit of savings-—all while getting a top rate. • FDIC Insured Apply Now at CIT Bank

Full Review

Chase Business Checking Bonus 

• Get $200 as a new Chase business checking customer, when you open a Chase Total Business Checking® account with qualifying activities • Access to 16,000 ATMs and nearly 4,900 Chase branches • Chase has business specialists at your local branch to help with your business needs • Account Alerts are a great way to stay on top of your account's activity and enhance security • Unlimited electronic deposits at no charge, including Chase QuickDepositSM, ACH and ATM Get Coupon at Chase

Full Review

Huntington Bank $750 Accelerated Business Checking Bonus

• 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 and your account is open for 90 days. • 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

Full Review $750 Accelerated Business Checking

Huntington Bank $400 Fast Track Business Checking Bonus

• 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 and your account is open for 90 days. • 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

Full Review $400 Fast Track Business Checking

Huntington Bank $200 Community Business Checking Bonus

• Open your Huntington Business Checking 100 Account today! • Earn $200 bonus when you open a Huntington Business 100 Checking account and make total deposits of at least $2,000 within 60 days of account opening. • The $200 bonus will be deposited into your account after all requirements are met and your account is open for 90 days. • 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

Full Review $200 Community Business Checking

BMO Harris Bank $500/$200 Checking Bonus

• Direct link
• Expiration Date: 1/31/2020
• Availability: AZ, FL, IL, IN, KS, MO, MN & WI (Branch Locator)
• Soft pull
• No direct deposit required
• Earn $500 by making an opening deposit of $5,000, maintaining that balance for at least 90 days, and by making at least 10 electronic transactions post to the account within 90 days.
• Earn $200 by making an opening deposit of $1,500, maintaining that balance for at least 90 days, and by making at least 10 electronic transactions post to the account within 90 days.
• Full Review

The FirstBank $300 Checking Bonus  

• Direct link
• Expiration Date: 03/04/2020
• Availability: AZ, CA, CO (Branch Locator)
• Optional direct deposit required
• Earn a $300 bonus when you open an Anywhere Checking account and conduct $500 in net Visa Debit Card purchases
• Full Review

Associated Bank $275 Checking & Money Market Bonus 

• $500/$300/$75 Checking & Savings (08/31/2020)
• $500/$300/$75 Checking & Money Market (07/31/2020)
• $500/$300/$75 Checking & Money Market (08/31/2020)
• $500/$300/$75 Brewers Checking (12/31/2020)
• $500/$300/$75 Milwaukee Film Checking (08/31/2020)
• $400/$275/$50 Checking & Savings (03/31/2020) *Packers*
• $400 Checking & Savings (06/30/2020)
• $175 Associated Checking (12/31/2019)
• $175 Wild Checking (08/31/2020)
• Availability: IL, MN, & WI (Branch Locator)
• Open a Badgers checking account with a minimum opening deposit of $100 and make three online bill payments OR add a direct deposit of $300 within 45 days of account opening.
• Open an Associated Advantage Money Market account with a minimum opening deposit and maintain a minimum balance of $10,000 for 90 days
• Full Review

IC Federal Credit Union $250 Checking Bonus 

• Direct link
• Expiration Date: None
• Availability: MA (Bank Locator)
• No direct deposit required
• Full Review

Fifth Third Bank $250 Checking Bonus

• Direct link
• Expiration Date: 04/30/2020
• Availability: FL, GA, IL, IN, KY, MI, NC, OH, TN, WV (Branch Locator)
• Soft Pull
• No direct deposit requirement
• Have deposit(s) totaling at least $500 made to the account within 45 days of account opening and maintain the $500 balance for 60 days
• Full Review

CitiBank $700/$500/$300 Checking Bonus

• Direct link
• Expiration Date: 03/31/2020
• Availability: Nationwide (Bank Locator)
• Open a Basic Banking Package with a $5,000 minimum deposit
• Maintain an average daily balance of $5,000 for 60 days
• Full Review

Freedom Federal Credit Union $200 Checking & Business Bonus

• Direct link
• Expiration Date: None listed
• Availability: MD (Bank Locator)
• No direct deposit requirement
• Earn $100 by making a $100 deposit within 90 days.
• Full Review

Flushing Bank $200 Business Checking Bonus

• Direct link
• Expiration Date: None
• Availability: NJ, NY (Branch Locator)
• Soft pull
• Must deposit a minimum of $100 to open a business checking account
• Complete 5 debit card purchases and 5 online banking bill-payments via Flushing Bank’s Online Banking portal
• Full Review

PNC Bank $200 Business Checking Preferred

• Direct link
• Expiration Date: 03/31/2020
• Availability: Nationwide (Branch Locator)
• Soft pull
• Up to $2,000 with Visa or Mastercard, unsure if valid for business accounts.
• Earn $200 by opening a Business Preferred Checking account, maintaining a minimum average cycle balance of $5,000 for the first 3 statement cycles, and completing at least 10 total debit card transactions within the first 3 statement cycles
• Full Review

CBT Bank $150 Checking Bonus

• Direct link
• Expiration Date: None
• Availability: PA (Bank Locator)
• Optional Direct Deposit
• Earn the $150 when you make 6 or more debit card transactions, all within 60 days of account opening.
• Full Review

First Horizon Bank $150 Business Checking Bonus

• Direct Link
• Expiration Date: 03/31/2020
• Availability: FL, MS, NC, SC, TN, TX, VA (Branch Locator)
• No direct deposit required
• Up to $300 in credit card funding
• Full Review

Valley National Bank $150 Checking Bonus

• Direct link
• Expiration Date: None
• Availability: NY, NJ, FL (Branch Locator)
• Soft pull
• No direct deposit requirement
• Earn the bonus by within 60 days of account opening, enroll in online or mobile banking, and schedule 3 online bill payments or complete a minimum of 20 debit card transactions of $5 or more.
• Full Review

BrightStar Credit Union $100 Checking Bonus 

• Direct link
• Expiration Date: None listed
• Availability: FL (Branch Locator)
• Soft Pull
• Optional direct deposit requirement
• Earn $100 bonus by completing 4 eligible transactions each 30 day period for 7 months
• Eligible transactions:  Visa Check Card purchases, Checks clearing, Direct Deposit, Bills paid via Online Bill Pay, In-branch deposits or withdrawals and ATM deposits
• Full Review

Charter Oak Credit Union $100 Checking Bonus

• Direct link
• Expiration Date: None
• Availability: CT (Branch Locator)
• Optional direct deposit requirement
• Earn $100 bonus by having a month-end minimum combined deposit and loan balance of $20,000 or more and have bill pay with a minimum of 4 unique payments posted within the month
• Full Review

Liberty Bank $100 Business Checking Bonus

• Direct link
• Expiration Date: 12/31/2020
• Availability: CT, MA, RI (Branch Locator)
• Soft Pull
• No direct deposit requirement
• Earn $100 by opening a business checking account by December 31, 2019. Bonus will be awarded within 30 to 45 days after account opening.
• Full Review

Preferred Credit Union $100 Checking Bonus

• Direct link
• Expiration Date: None
• Availability: MI (Branch Locator)
• No direct deposit requirement
• Make (10) debit card transactions in the first 90 days upon account opening.
• Full Review

Stanford Federal Credit Union $100 Checking Bonus

• Direct link
• Expiration Date: None
• Availability: CA (Branch Locator)
• Soft Pull
• No direct deposit requirement
• Earn $100 by opening a basic checking account within six months of graduation
• Full Review

Wings Financial Credit Union $100 Checking Bonus

• Direct link 
• Expiration Date: None listed
• Availability: Chaska Community Center – 1661 Park Ridge Drive, MN (Branch Locator)
• No direct deposit requirement
• Earn $100 bonus by opening a checking account and as a member completed their SOAR Young Adult Program with a minimum test score of 70%
• Full Review

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 Coupon Promo Codes $100, $200, $300, $350, $500, $625, $1000, $2000 for January 24, 2020

Huntington Bank Promotions: $200, $400, $750 Checking Bonuses for January 25, 2020

Discover Bank Promotions: $150/$200 Savings Bonus & $360 Cashback Debit for January 27, 2020

Load More