Best Bank Promotions Without Direct Deposit Requirements: May 2026

Available nationwide, Chase Bank is offering up to a $3,000 bonus when you open or upgrade to a new Chase Private Client Checking℠ account. Available nationwide, HSBC is offering up to a whopping $5,000 in welcome bonuses when you open a new HSBC Premier checking account and complete qualifying activities. Available nationwide, Barclays is offering a $200 bonus to new customers that open a new Tiered Saving account and deposit $25,000.
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. The Private Banking Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $3000 bonus. The Bask Mileage Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the 15,000 bonus miles.
Not only is this offer available nationwide with the ability to open online, it’s also the highest reward amount we’ve seen Axos offer, so now is a good time to jump on it! To earn the highest amount in a given quarter, you’ll need to deposit and maintain at least $200,000! Available nationwide, Raisin is offering up to a whopping $1,500 welcome bonus for 2026 when you open a new HYSA and deposit new funds. Keep in mind that some of these accounts are available nationwide, while others might only be offered in the states in which the bank operates physical branches.

High Yield Savings – up to $1500 bonus

She has over a decade of experience writing and editing for consumer websites. Chase Total Checking® has a $15 monthly service fee, you can avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Chase checking accounts also include FDIC insurance up to the maximum amount allowed by law.
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, https://superonni-casino.fi/ 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.

More checking options

• The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
• 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.
• The Baselane Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus.
• In addition to bank promotions, another way to earn bonus cash without needing to set up direct deposit is to explore credit card offers.
• 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.
• To qualify for the personal checking offer, you must not already have a personal checking account with Banner 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.
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.
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 bonus.

Best checking account bonus offers

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.

How to avoid the Monthly Service Fee and other product details

• Available nationwide, Baselane is a banking platform for landlords to help them manage rent collection, taxes, banking, insurance and more!
• 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.
• If you already have a current Wells Fargo personal checking account, or if you had one in the last 12 months, you are not eligible for this bonus.
• The Private Banking Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $3000 bonus.
• This is a tiered bonus based on how much you deposit and maintain for the first 3 months.
• The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus.

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.
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.

Best Bank Bonuses Without Direct Deposit Requirements – May 2026

The first transfer will need to be made within 30 days of opening the account, and while it does take a full 12 months to satisfy the requirements, the ROI on your cash is impressive. Keep in mind that these deposits don’t need to be made via direct deposit, as is common with many bank bonuses. The Business Checking signup offer requires you to optionally, make purchases using the account’s card in order to earn the $500 bonus. This bonus also comes with a free merchant processing consultation and a free Treasury Management consultation, including a 60 day free trial of select Treasury Management Services. Available in Colorado and Arizona, Bank of Colorado is offering a $500 welcome bonus when you open a new business checking account and complete qualifying activities.

Most bank bonuses have a few qualifying requirements. Queue bank promotions without direct deposit requirements! It has all the features you need, including a $300 cash bonus just for signing up. With more than 40,000 surcharge‑free ATMs nationwide, you are never far from your money.