Best Bank Promotions Without Direct Deposit Requirements: May 2026

The HSBC Premier signup offer requires you to deposit and maintain a minimum balance in order to earn the $5000 bonus. The Barclays Tiered Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. The Business Premium Savings signup offer requires you to deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $600 bonus. The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus.

• Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.
• You’re not eligible if you had a business checking account in the last 12 months.
• The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus.
• All you need to do to qualify is make $500 worth of purchases within three months of opening the account.
• If you’d like to open a new account, we’re here to help with current rates, term options and more.
• Bonus$50 or $400Earn $50 or $400 with eligible direct deposit.
• Learn how to avoid the $15 monthly service fee.

If you currently have a Huntington Bank personal checking account, you’re listed on someone else’s account, or you closed a Huntington Bank checking account in the last six months, you can’t apply for this bonus. The best bank bonuses for you are ones that have requirements you’re comfortable with, including the amount of time you’ll have to keep your money in the account to earn the bonus. Plus, if you’re new to bank promotions, your head may spin for a bit trying to learn the nuances, requirements, and pitfalls. The Personal Wealth Management signup offer requires you to deposit and maintain a minimum balance in order to earn the $5000 bonus. This is a tiered bonus based on how much you deposit and maintain for the first 3 months.

Barclays Bank

Available widely across the midwest, Simmons Bank is offering up to $3,000 in welcome bonus cash when you open a new Private Banking Checking account and maintain minimum balances. You’ll need to be a brand new Bask Bank customer to take advantage, but this offer is otherwise available nationwide with the ability to open online. Available nationwide, Baselane is a banking platform for landlords to help them manage rent collection, taxes, banking, insurance and more! The Standard Account signup offer requires you to make purchases using the account’s card in order to earn the $10 bonus. What’s more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $200 on top of this offer for a total of up to $500. Available nationwide with the ability to open online, J.P.

High Yield Savings – up to $1500 bonus

That’s because we curate a list that’s limited to what our experts think are the very best options for our readers. To learn more about how your data is collected and used, please read our privacy notice. To qualify for the business checking offer, you must not already have a business checking account with Banner Bank. To qualify for the personal checking offer, you must not already have a personal checking account with Banner Bank. You may receive only one new account opening-related bonus every 2 years on a personal checking account and one new account opening-related bonus every 2 years on a personal savings or money market account.

Best Bank Bonuses Without Direct Deposit Requirements – May 2026

The best bank promotions offer a significant cash bonus in exchange for signing up for a new account with no fees or easily avoided fees. If earning a bank sign-up bonus requires depositing more than $250,000 (which is the standard amount that’s insured by the Federal Deposit Insurance Corp.), you’ll need to employ certain strategies to make sure that all your money — including funds over $250,000 — is protected. The changes haven’t directly affected bank bonuses, but it could still be a good time to open a new bank account in case savings account interest rates fall. For this bank promotions roundup, more than a dozen data points were considered per offer.

• To earn the highest amount in a given quarter, you’ll need to deposit and maintain at least $200,000!
• The Bank of America® Business Advantage Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus.
• The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus.
• The Business Premium Savings signup offer requires you to deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $600 bonus.
• You may accept or manage your choices by clicking below, including your right to object where legitimate interest is used, or at any time in the privacy policy page.
• To qualify, simply complete these four steps for two consecutive months, starting the month following your account opening.

To qualify, simply complete these four steps for two consecutive months, starting the month following your account opening. You may accept or manage your choices by clicking below, including your right to object where legitimate interest is used, or at any time in the privacy policy page. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Most bank bonuses are relatively simple, but it’s important to follow the instructions to the letter. You may not be eligible for other Huntington Bank bonuses for at least 12 months if you sign up for this bonus—even if they’re for other businesses that you own. If you received any PNC Bank promotional or bonus offers in the last 24 months, you do not qualify for the https://superonni-casino.fi/ bonus.
The Baselane Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus. The Bank of America® Business Advantage Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. The Personal Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. While this isn’t available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers. The Self-Directed Investing signup offer requires you to deposit and maintain a minimum balance in order to earn the $1000 bonus. The Chase Private Client Checking℠ signup offer requires you to deposit and maintain a minimum balance in order to earn the $3000 bonus.

Checking Accounts

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening. While its annual fee is high at $695, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits. The card has no annual fee, and cardholders also enjoy experiences such as VIP tickets and 5-star meals, among other perks. All you need to do to qualify is make $500 worth of purchases within three months of opening the account. These almost always require you to spend a certain amount using your new card, and you’re usually given a few months to meet that requirement. In addition to bank promotions, another way to earn bonus cash without needing to set up direct deposit is to explore credit card offers.

In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. 12For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
The information related to Citi checking accounts and Wells Fargo Clear Access Banking has been collected by NerdWallet and has not been reviewed or provided by the issuers or providers of these products or services. Read the promotion details above to understand all the rules and requirements to earn the checking account bonus, including a super steep minimum transfer amount that may not be worthwhile. Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions.

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The Ultimate Opportunity Savings Account signup offer requires you to deposit and maintain a minimum balance in order to earn the $100 bonus. The Perks Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Huntington is offering a welcome bonus to those opening new personal checking accounts. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus.
We’re here to help with options and answers you need from being pre-approved to purchase your first home to refinancing your mortgage. If you’d like to open a new account, we’re here to help with current rates, term options and more. We’re here to help with all your checking needs, including debit cards, online and mobile banking and more. Open a no monthly maintenance fee Access Checking account, or view our other checking account options.
The Brokerage Account signup offer requires you to deposit and maintain a minimum balance in order to earn the $10000 bonus. The Basic Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $900 bonus. The M&T Tailored Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus. The Business Checking Account signup offer requires you to deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $400 bonus.