Best Bank Bonus Promotions – No Direct Deposit Requirement (January 2022)

Bank bonuses are great but one of the big (and annoying) requirements on many promotions is that you set up a direct deposit from your employer or government benefits.

Switching those direct deposit details can be a pain so what about offers that don’t require it?

They’re rarer, because they make you less likely to keep the account in the first place, but they’re still available.

Here are the best ones:

Table of Contents
  1. Citi – $300, $700, or $1,500
    1. Citi Priority Account — $300, $700, or $1,500
    2. Citigold® – $300, $700, or $1,500
  2. Discover Bank — $150 or $200
  3. Aspiration Spend & Save — $150 or $200
  4. Huntington Asterisk-Free Checking® – $150
  5. Huntington 5 Checking® – $200
  6. Huntington 25 Checking® – $500
  7. SoFi Money – $25
  8. Marcus by Goldman Sachs – $100
  9. S&T Bank – $400
  10. GTE Financial – $200
  11. Bank of Hope – $500 [EXPIRED]
  12. Ponce Bank – up to $125
  13. Alliant Credit Union — up to $100
  14. Associated Bank Checking — up to $500 [EXPIRED]
  15. Regions Bank
    1. Regions Bank LifeGreen Checking — $200
    2. Regions Bank LifeGreen Savings — $200 (DD optional)

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Citi – $300, $700, or $1,500

Citi has strong “no direct deposit requirement” bonuses and it’s all based on how much you have available to transfer into your new Citi account.

Citi Priority Account — $300, $700, or $1,500

  • Open a new checking account in the Citi Priority Account by 7/17/2022.
  • Within 20 days of opening your account deposit New-to-Citi funds into the new checking account.
  • Maintain the required Minimum Balance in your eligible account for an additional 60 days from the 21st day.
  • The cash bonus will be deposited to your open, eligible account within 90 calendar days after you complete all required activities.

The bonus you earn is based on a schedule, which is based on how much you transfer in New-to-Citi funds:

Minimum Deposit
And Minimum Balance
Cash Bonus
$15,000 - $49,999$300
$50,000 - $199,999$700
$200,000 or more$1,500

The account still has a $30 monthly service fee that is waived if you maintain a combined average monthly balance of $50,000+ in eligible linked deposit, retirement and investment accounts.

(Offer expires 7/17/2022)

This content reflects the author’s opinion, analysis and/or assessment and is that of the author’s only. This content has not been provided or reviewed by Citi.

Citigold® – $300, $700, or $1,500

Citigold® is offering a bonus of $300, $700, or $1,500 when you open an account and deposit new to Citi funds.

Open a Citigold® Checking Account from 1/5/2022 to 7/17/2022. Then, within 20 days of opening your account, deposit $15,000 or more in New-to-Citibank Funds between the new checking and other eligible accounts.

The bonus schedule is based on the amount you deposit:

Minimum Deposit
And Minimum Balance
Cash Bonus
$15,000 - $49,999$300
$50,000 - $199,999$700
$200,000 or more$1,500

Finally, maintain that minimum balance for 60 consecutive calendar days from the 21st day, and your bonus will be deposited within 90 calendar days after you complete all required activities.

You cannot use a Citi Accelerate Savings Account or a Citi Savings Account to maintain your Balance as part of this offer and still be eligible to earn the Bonus.


Discover Bank — $150 or $200

Discover Bank Logo

Discover Bank is offering a generous $150 or $200 bonus if you open your first Discover Online Savings Account – just open an account and enter the code WH122 when applying.

You must apply by 3/15/2022 to get this offer.

The bonus depends on how much you deposit within 30 days of account open date:

  • Earn $150 if you deposit at least $15,000
  • Earn $200 if you deposit at least $25,000

Your bonus will be credited to the account within 30 days of the account qualifying for the bonus.

And the best part about this bonus is that it’s on top of an excellent online savings account. You earn a high rate of interest and there is no minimum opening deposit. There is no maintenance fee, no excessive withdrawal fee, no stop payment order fee, and no insufficient funds fee. Discover charges no fees on this account.

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online or by phone. Enter Offer Code WH21 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200. 

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 3/15/2022 , 11:59 PM ET. Offer may be modified or withdrawn without notice.

Get up to $200 from Discover Bank
(see advertiser website for full details)


Aspiration Spend & Save — $150 or $200

This image has an empty alt attribute; its file name is aspiration-logo.png

Aspiration will give you $150 or $200 when you open a new Aspiration Spend & Save account and then spend $1,000 within the first 60 days of account opening.

This welcome bonus does not require a direct deposit, which makes it very appealing for those of you who don’t like swapping those around just to get a bonus!

You get $150 when you open an Aspiration account or you can get $200 when you get an Aspiration Plus, though the spending requirement is the same. There are several differences with the two accounts, including how much cash back you can earn, but the fee structure is a key difference. With Aspiration, you “pay what is fair” even if it’s $0 and with Aspiration Plus it’s $7.99 per month, or $5.99 if you pay annually.

Get $150 or $200 from Aspiration


Huntington Asterisk-Free Checking® – $150

If you are a resident of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin, you can open a Huntington Asterisk-Free Checking account and get $150 for make cumulative deposits of at least $1,000 within sixty days of opening your account.

Then, keep your account open for at least 90 days and you’ll get a $150 bonus.

Here are official disclosures:

  • To qualify for the $150 cash bonus, you are required to open a new, qualifying Asterisk Free Checking®, Huntington 5 Checking®, or Huntington 25 Checking® account during the promotional period between July 15, 2021 and February 7, 2022 and make cumulative new money deposits into the checking account of at least $1,000 or more within 60 days of account opening. “New money” is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
  • Your $150 bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus.
  • This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
  • Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099- INT from us for the cash bonus. Huntington reserves the right to limit an individual to one accountrelated gift incentive per rolling 12-month period across all deposit account relationships.
  • Asterisk-Free Checking® is a federally registered service mark of Huntington Bancshares Incorporated.

Learn more about Huntington Asterisk-Free Checking

Huntington 5 Checking® – $200

If you are a resident of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin, you can open a Huntington 5 Checking account and get $200 for make cumulative deposits of at least $1,000 within sixty days of opening your account.

Then, keep your account open for at least 90 days and you’ll get a $200 bonus.

Here are the official disclosures:

  • To qualify for the $200 cash bonus, you are required to open a new, qualifying Huntington 5 Checking® or Huntington 25 Checking® account during the promotional period between July 15, 2021 and February 7, 2022 and make cumulative new money deposits into the checking account of at least $1,000 or more within 60 days of account opening. “New money” is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
  • Your $200 bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus.
  • This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
  • Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account related gift incentive per rolling 12-month period across all deposit account relationships.
  • Huntington 5 Checking® is a federally registered service mark of Huntington Bancshares
    Incorporated.

Learn more about Huntington 5 Checking

Huntington 25 Checking® – $500

If you are a resident of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin, you can open a Huntington 5 Checking account and get $500 for make a cumulative deposit of at least $15,000 in new money within 60 days.

Then, keep your account open for at least 90 days and you’ll get a $500 bonus.

Here are the official disclosures:

  • To qualify for the $500 cash bonus, you are required to open a new, qualifying Huntington 25 Checking® during the promotional period between July 15, 2021 and February 7, 2022 and make cumulative new money deposits into the checking account of at least $15,000 or more within 60 days of account opening. “New money” is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
  • Your $500 bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus.
  • This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
  • Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account related gift incentive per rolling 12-month period across all deposit account relationships.
  • Huntington 25 Checking® is a federally registered service mark of Huntington Bancshares Incorporated.

Learn more about Huntington 25 Checking


SoFi Money – $25

This bonus isn’t as big as some of the others on the list but it’s super easy to get. SoFi Money has a referral program where you can get $25 when you open an account. That’s all there is to it. No direct deposit, no debit card purchases, nothing – just open an account.

The account has no maintenance fees, no minimum balance, and no strings attached.

SoFi also runs other promotions for their Invest product so check those out as well for other ways to pick up free cash.

Get $25 from SoFi Money


Marcus by Goldman Sachs – $100

Marcus by Goldman Sachs will give $100 to new or existing customers when you deposit $10,000 or more into a new or existing Online Savings account within 10 days of enrolling in their offer. Then, keep that amount for 90 consecutive days and you will get $100.

This is available to existing customers too, you just need to add an additional $10,000 to your balance to qualify after you enroll in the offer.

Learn more about this offer

(Offer expires 2/16/2022)


S&T Bank – $400

S&T Bank has an offer available to residents of Pennsylvania and Ohio if you live close to an S&T Bank (I know it’s only two states, sorry if you don’t live near one!). The bonus is super easy – just open a checking account and:

  • Use the promotion code STWPA1Q22
  • Open with a minimum of $50
  • Make at least $1,000 in debit card purchases (or two direct deposits of $500 or more)

So there is a way to get the bonus without a direct deposit, but it requires you to make $1,000 in purchases. The Select Banking account has no maintenance fee but the other two account levels do.

Get $400 from S&T Bank
(Offer expires 3/31/2022)


GTE Financial – $200

GTE Financial is a credit union with locations in Florida but you can gain membership when you join CU Savers Club, which is free to join. Once you join CU Savings Club, open an account with promo code WINTER2021 and receive a total of $1,000 or more in qualifying direct deposits into the new checking account within 90 days from account opening.

Then, enroll in online banking and you’ll get the $200 within 14 days.

WARNING: This credit union is known to use a hard inquiry on your credit report when you open an account. This can have an adverse affect on your credit score.

Get $200 from GTE Financial
(Offer expiration not listed)


Bank of Hope – $500 [EXPIRED]

If you have $20,000 and happen to live in AL, CA, IL, NJ, NY, TX, VA, or WA – take a look at the Bank of Hope.

They will give you $500 if you are able to open an account in a branch (required, not available online) and satisfy a few simple conditions.

Just open a new business checking and deposit at least $20,000 of new funds into your account and keep it there for the first four months.

Then, you must do all of the following within 90 days of opening your account (these are trivial requirements):

  1. Request a debit card and make at least one purchase or ATM deposit/withdrawal
  2. Register for Personal Online Banking or Business Online Banking
  3. Enroll in e-Statements

That’s it! You can even be an existing bank customer as long as you do not yet have a personal or business checking account.

Learn more about about this offer
(Offer expired 9/30/2021)


Ponce Bank – up to $125

Ponce Bank has a great $125 bonus that does not require you to set up a direct deposit. All you need to do is deposit cash into your account before April 30, 2021.

The bonus is based on how much you deposit into your account:

  • Get $25 on your first $5,000 deposit, then,
  • Receive an additional $5 for every $5,000 deposit after that, up to $125.

Learn more about this offer


Alliant Credit Union — up to $100

Alliant Credit Union has a partnership with Suze Orman called “The Ultimate Opportunity Savings Account” where you can get up to $100 when you open a new Alliant Credit Union account by December 31st and make deposits of at least $100 a month for twelve months.

These deposits do not have to be direct deposits, they just have to be transfers into the account. Make sure it’s at least $100 a month for a full year and you’re set. The first transfer has to be done within 30 days and they deposit the $100 bonus after 12 months.

Opt for eStatements and you can avoid the monthly maintenance fees.

Learn more about about this offer
(Offer expires 12/31/2021)


Associated Bank Checking — up to $500 [EXPIRED]

Associated Bank’s has three promotions (three tiers) for their checking and savings account – the Associated Access Checking, Associated Balanced Checking, and Associated Choice Checking.

Open an account with the required minimum balance (listed below) and your bonus is calculated based on your account balance from the 60th to 90th day (a little weird but the list below should make sense):

For the Associated Access Checking, the minimum deposit is $25. it is $100 for the Associated Balanced Checking and Associated Choice Checking accounts.

This is how much you get based on your average daily balance over days 61-90:

  • For amounts $1,000 to $4,999.99 – you earn $200;
  • For amounts $5,000 to $9,999.99 – you earn $300;
  • For amounts over $10,000 – you earn $500;

Check the fees on each of those accounts because they will vary.

Learn more
(Offer expires 5/31/2021)


Regions Bank

Regions Bank LifeGreen Checking — $200

Regions Bank LifeGreen Checking has a $200 offer that has pretty easy requirements to meet – but one of them is to set up a direct deposit.

Open an account with the promotion code WINTER2021 and set up direct deposit and make $500 or more of qualifying ACH direct deposits within 60 days plus use your Regions Visa® CheckCard to make 10 or more purchases that post to your account within 60 days. You have 60 days so it’s certainly plenty of time but you don’t want to waste too much of it.

Available to residents of AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, and TX and be sure to read the terms to make sure you qualify.

Learn more
(Offer expires 2/28/2022)

Regions Bank LifeGreen Savings — $200 (DD optional)

Regions Bank runs a promotion with their LifeGreen Savings account where you get different bonus amounts based on the requirements you satisfy. You can can get up to $200.

You get $100 when you open a new Regions LifeGreen checking account with the promo code WINTER2021 and maintain an average daily balance of at least $500 for the first 60 days after account opening.

Then, get $25 for each of the following within 30 days:

  • Download and log in to the Regions Mobile App.
  • Deposit at least one check using Regions Mobile Deposit.
  • Set up Regions Direct Deposit and make $500 or more of qualifying ACH direct deposits such as payroll or government payments.
  • Make 10 or more purchases with your Regions Visa CheckCard that post to your account within 30 days of account opening.

So this offer has a direct deposit option that only costs you $25 if you skip. You get $175 if you do everything except for the direct deposit.

Available to residents of AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, and TX and carefully read the terms to ensure you qualify.

Learn more
(Offer expired 12/31/2021)

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About Jim Wang

Jim Wang is a thirty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

  1. Andy Thomas says

    The South State Bank offer information is inaccurate. It should not be on this list. A direct deposit is required to receive the bonus.

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