Best Bank Bonus Promotions – No Direct Deposit Requirement (July 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. Axos Bank High Yield Savings – up to $200
  4. CIT Bank – Amazon Prime Membership ($139)
  5. HSBC Premier Checking – $500
  6. Aspiration Spend & Save — $150 or $200
  7. Huntington Asterisk-Free Checking® – $150
  8. Huntington 5 Checking® – $200
  9. Huntington 25 Checking® – $300
  10. SoFi Money – up to $325
  11. Marcus by Goldman Sachs – $100 [EXPIRED]
  12. South State Bank — $200
  13. S&T Bank – $400 [EXPIRED]
  14. GTE Financial – $200
  15. Bank of Hope – $500 [EXPIRED]
  16. Alliant Credit Union — up to $100
  17. Associated Bank Checking — up to $500 [EXPIRED]
  18. Regions Bank
    1. Regions Bank LifeGreen Checking — $200
    2. Regions Bank LifeGreen Savings — $100 (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 WH622 when applying.

You must apply by 9/15/2022 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, by phone or Discover App). Enter Offer Code WH622 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 9/15/2022 , 11:59 PM ET. Offer may be modified or withdrawn without notice.

Get $150 or $200 from Discover Bank
(see advertiser website for full details)


Axos Bank High Yield Savings – up to $200

Axos Bank has an offer where you can earn up to $200 in a cash bonus for a High Yield Savings account – the promotion code NEW200.

The bonus is based on your average daily balance in the 6 month period after opening the account:

  • If you maintain an average daily balance between $10,000 to $24,999.99 – you get $25 every single month up to a maximum of 4 times ($100)
  • If you maintain an average daily balance over $25,000 – you get $50 every single month up to a maximum of 4 times ($200)

The set up sounds a little complicated but basically you just need to maintain a certain amount for 4 months and the maximum bonus is yours.

There is an early closure penalty if you close the account before 180 days – the penalty is based on the bonus you get ($100 or $200).

Finally, if you had an existing Axos Bank or Axos Bank for Nationwide Savings account as of 3/31/22, you can’t get this bonus. Be sure to check the terms and conditions on this offer for any other restrictions that might affect your eligibility.

Get up to $200 from Axos Bank

(Offer expires 4/30/2022)


CIT Bank – Amazon Prime Membership ($139)

It’s not every day that you see a bank bonus that isn’t cash but you will today – CIT Bank will give you an Amazon Prime Membership ($139) (good for a new or existing Prime customer) when you:

  • Open a new CIT Money Market account using the promo code AMZN22;
  • Fund your account with at least $15,000 within 15 days and keep a minimum balance of at least $15,000 for 60 days following the 15-day funding period.
  • Within 30 days following the end of the funding period, if you’ve fulfilled the requirements, we’ll send you an email with your Prime membership code.

This is available for new and existing CIT Bank customers too – you just need to open a new Money Market account with the promo code.

Open a CIT Bank MMA Account

(No expiration listed but they state they may end it at any time without notice)


HSBC Premier Checking – $500

  • Receive a $500 Welcome Deposit when you open your account by June 30, 2022 and complete qualifying activities
  • Free International account opening and portable credit history
  • No fees for Global Transfers between eligible HSBC accounts worldwide
  • Convert, hold and send money abroad with no transfer fees with our Global Money account
  • No foreign transaction fees using your Premier debit or credit card
  • No U.S. HSBC ATM fees worldwide

$500 Offer Eligibility Requirements:

Balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts OR 

Monthly recurring direct deposits totaling at least $10,000 from a third party to an HSBC Premier checking account(s); OR

HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages. Home Equity products are not included.

Consumers who maintain existing Jade status.

Please note: The minimum monthly direct deposit requirement for the $500 Welcome Deposit Offer is different from the Premier Relationship minimum monthly direct deposit requirement.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Get $500 from HSBC Premier Checking

The information, including rates and fees, presented in the review is accurate as of the date of the review. Please refer to issuer website and application for the most current information.
We may be paid for the content on this site.


Aspiration Spend & Save — $150 or $200

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

Aspiration has a bank bonus of $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 new money deposits into the checking account of at least $1,000 or more within 60 days of account opening.

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 June 1, 2022 and October 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 new money deposits into the checking account of at least $1,000 or more within 60 days of account opening.

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 June 1, 2022 and October 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® – $300

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 $300 for make cumulative new money deposits into the checking account of at least $25,000 or more within 60 days of account opening.

Then, keep your account open for at least 90 days and you’ll get a $300 bonus.

Here are the official disclosures:

  • To qualify for the $300 cash bonus, you are required to open a new, qualifying Huntington 25 Checking® during the promotional period between June 1, 2022 and October 7, 2022 and make cumulative new money deposits into the checking account of at least $25,000 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 $300 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 – up to $325

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.

If you do have a direct deposit, set that up and you’ll get an additional $300.

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 $325 from SoFi Money


Marcus by Goldman Sachs – $100 [EXPIRED]

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)


South State Bank — $200

South State Bank has an offer of $200 and you have to satisfy these two conditions with 60 days:

  1. make a minimum of 15 debit card purchases or payments, and,
  2. Have a monthly total of $250 qualifying direct deposit OR preauthorized automatic draft(s) of $25.

As you can see, a direct deposit is one of the options but is not required. You can satisfy it by making enough purchases.

You must also be a resident of Alabama, Florida, Georgia, North Carolina, South Carolina, or Virginia.

Get $200 from South State Bank
(Offer expires 6/30/2022)


S&T Bank – $400 [EXPIRED]

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 expired 12/31/2022)


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 RGRN22DM 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 within 30 days too 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)


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 12/31/2022)


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 RGRN22DM and make $500 in total deposits (funds new to Regions) that post to your account within 30 days of account opening. 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 6/30/2022)

Regions Bank LifeGreen Savings — $100 (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 $100.

You get $100 when you open a new Regions LifeGreen checking account with the promo code and make $1,000 in total deposits (funds new to Regions) that post to your account within 30 days of 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 n/a)

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About Jim Wang

Jim Wang is a forty-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.

>> Read more articles by Jim

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.

  2. warren R clennan says

    Your comments re: South State bank are incorrect. They require both qualifications to receive the EARN 200 bonus. I have, however, used your info to acquire 2 bonus bank promotions of $300 and $500 ea. Thank you very much. W. Clennan

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