As banks continue to re-focus on their customers, many are offering cash bonuses and promotions that require no direct deposits. These offers can get you up to $2,000 in free money just by checking your account balance!

The “$500 checking offer” is a direct deposit requirement that is not required for this bank. This promotion is only available in certain states, so make sure you are eligible before applying.

Best Bank Promotions & Cash Bonuses for 2022: No Direct Deposit Requirements

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Have you ever gone to open a new bank account in order to take advantage of a bonus offer only to discover that the incentive was only available via direct deposit? This might be aggravating if you don’t receive a direct deposit–perhaps because you’re self-employed or freelance–or if you don’t want to modify where your direct deposit is going.

If you’re searching for a bank campaign that doesn’t require you to make a direct deposit, here are our top [#] selections for checking and savings accounts that pay you to open an account. You may earn these incentives by doing things like conducting transactions, depositing money, or satisfying balance criteria.

This article will teach you how to:

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This is by far the finest checking deal available right now, and there’s still time to take advantage of it. Find out whether you’re eligible by reading on.

While you don’t have to set up direct deposit to qualify for this offer, you must make a large minimum starting deposit of at least $15,000 to qualify for the lowest bonus. The bonus you are eligible for is determined on the amount you deposit. You may get $300 if you earn $15,000, $700 if you earn $50,000, and $1,500 if you earn $200,000 or more. 

The following are the stages to being qualified:

  1. To take advantage of the deal, sign up for an account online using this link. 
  2. Within 20 days of creating your account, deposit fresh money (which cannot be transferred from another Citi checking or savings account). Your bonus eligibility is determined by your account balance on the 20th day.
  3. Maintain this equilibrium for another 60 days.

If you match these criteria, your bonus will be transferred into your account automatically within 90 days. 

Only new clients who are at least 18 years old are eligible. Existing clients are ineligible. You are not eligible for a bonus if you have had a Citi bank account in the previous 180 days, even if you have closed it.

This deal is good until July 17th, 2022. If you’re dead set on opening one of these accounts, you’ll have a few months to save the money you’ll need to qualify for a bonus. You may still obtain the bonus if you open your new account before the deadline.

This deal is valid on the following four checking accounts: 

  • Basic Banking Checking account – no minimum initial deposit, $12 monthly maintenance cost waived if you maintain an average balance of $1,500.
  • Citibank Checking account – no minimum initial deposit is required, and a $25 monthly maintenance cost is waived if you keep an average balance of $10,000 or more.
  • Citi Priority Checking account – no minimum beginning deposit is required, and the $30 monthly maintenance cost is eliminated if you have an average balance of $50,000 or more.
  • Citigold Checking account – no minimum beginning deposit, no monthly maintenance cost (but you must retain a combined balance of at least $200,000 to keep your Citigold membership and your account).

Although Citi’s checking accounts and sign-up incentives don’t need deposits, they do feature quite hefty monthly fees that are difficult to cancel unless you maintain a big level.

Huntington Bank is providing up to $300 to new checking account clients who fulfill deposit criteria and live in a qualified state from now through June 7th, 2022. You don’t need to make any direct deposits to qualify; you may put money in your account anyway you choose.

There are three types of checking accounts that are eligible for the bonus, each with a different qualifying deposit:

  • Asterisk-Free Checking Account — get a $150 bonus by depositing at least $1,000, no minimum balance limitations, and no monthly maintenance charge.
  • Huntington 5 Checking account – you must deposit at least $1,000 to get a $200 incentive, and there is a $5 monthly maintenance charge that is eliminated if you have a balance of $5,000 in all of your Huntington relationship accounts.
  • Huntington 25 Checking account – a $300 incentive is available if you deposit at least $25,000, and a $25 monthly maintenance charge is eliminated if you maintain a balance of at least $25,000 across all Huntington relationship accounts.

To be eligible for your bonus, you must deposit within 60 days of creating your new account and keep your account active for at least 90 days. Following completion of these conditions, your bonus of $150, $200, or $300 will be instantly credited into your account within 14 days. 

To get the bonus offer, join up for a new account using this link. You just need to open the account, not fund it, before June 7th.

It’s crucial to remember that whether you apply online or in person at a Huntington branch, this offer is only accessible in certain states. Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, and Wisconsin are the states in this group.

Interest is paid on both the Huntington 5 and Huntington 25 checking accounts. Out-of-network ATM withdrawals are free (up to five each statement period) with the Huntington 5 account, while borrowing and investing discounts are available with the Huntington 25 account.

Customers who already have a Huntington checking account, including those who have closed one within the last six months, are not eligible.

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If you’re looking to create a new business checking account, you’ve come to the right place. When new Chase clients create a Business Complete Banking account and complete the activity criteria, they will get a $300 incentive. The Chase Business Complete Banking checking account is what it sounds like.

To be eligible, you must first deposit at least $2,000 in new-to-Chase funds into your account. To qualify, you must do so within 30 days after enrolling in the coupon or creating an account using this offer. You must also keep a $2,000 balance in this account for a total of 60 days after it is opened.

Then, within 90 days of creating your account, you must complete at least five qualifying transactions. A debit card purchase, ACH credit, Chase QuickDeposit, Chase QuickAccept deposit, or Chase Online Bill Pay transaction are all examples of qualified transactions. As soon as your account is open, you may start making these transactions.

Within 15 days of qualifying, you will get your $150 bonus immediately in your account if you complete these two conditions.

This account has a $15 monthly maintenance cost that may be waived in one of five ways:

  • Maintaining a $2,000 monthly average balance in this account
  • Using a connected Chase Ink Business credit card to make at least $2,000 in total transactions
  • Each statement period, receiving a total of $2,000 in QuickAccept transactions or other merchant services solutions
  • Providing proof that you are an active-duty or former member of the United States military.
  • Linking this account to a Chase Private Client Checking account (you must have a total balance of $150,000 or more across all of your Chase deposit and investment accounts, or a Chase Platinum Business Checking account to qualify).

It makes no difference whether you create your new account in person at a Chase branch or online, as long as you utilize the promotion code obtained via this link. 

This offer is available until April 21st, 2022. You do not have to complete all of the bonus offer’s conditions by this deadline; only open the account before the deadline.

Although it isn’t $300, Chase is giving new personal checking account clients a $100 incentive. The Chase Secure Banking checking account is the only account that qualifies for this promotion.

To qualify for the bonus, you must create a new account using this link and make 10 eligible purchases within 60 days. Purchases made using your debit card, online bill payment, QuickDeposits, ACH credits, and Zelle transfers are all examples of this. You do not need to fulfill any additional deposit or balance criteria. Overall, even though the bonus isn’t the finest, this is arguably one of the simplest offers to qualify for.

Within 15 days of qualifying for the incentive, you will get $100 put into your account immediately.

When you open this account, there is no need for a minimum deposit. This account’s $4.95 monthly maintenance cost is non-refundable, regardless of your balance or activity.

This is a very simple checking account with a lot of free features. Money orders and cheques are free, as is Chase Online Bill Pay, making ATM withdrawals or deposits at in-network ATMs, and transferring money using Zelle. It doesn’t pay out any interest.

If you already have a Chase checking account, have closed a checking account in the last 90 days, or have closed a checking account with a negative balance in the last three years, you will not be eligible for this offer. Also, if you qualify for and get the bonus offer, but terminate your account within six months of starting it, Chase will withdraw the bonus amount from your account balance.

This deal will expire on April 20th, 2022, so if it seems like a good match, be sure to sign up before then.

Another Chase bonus offer, this time for college students: new clients may get $100 when they create a Chase Collecting Checking account.  

This deal is quite similar to the one mentioned above for business checking clients. Simply apply for an account using this link and complete 10 qualifying transactions within 60 days of creating your new account. Purchases made using your debit card, online bill payment, QuickDeposits, ACH credits, and Zelle transfers are all examples. 

Within 15 days of completing this condition, the $100 incentive will be instantly transferred into your account. To qualify, you do not need to have a minimum balance. 

When you submit documentation of your attendance at a college or university, as well as your estimated graduation date, a $6 monthly service charge is automatically waived for college students between the ages of 17 and 24 (up to five years). This cost may also be waived.

This deal is good until April 20th, 2022.

These hefty benefits are available on two Huntington Bank business checking accounts: Unlimited Business Checking and Unlimited Plus Business Checking. There are no prerequisites for direct deposit.

When you establish a new Unlimited Business Checking account or a new Unlimited Plus Business Checking account, you may earn $400 or $750. 

To enroll in either offer and create a new account, click this link. You may fill out an application online or in person at a Huntington branch. You will not be eligible if you currently have a business or personal checking account with Huntington or if you have closed an account with the bank within the last six months. 

This deal will end on July 7th, 2022. To be eligible, you must open an account by this date.

$400 for an unlimited business checking account

To be eligible for the Unlimited Business Checking account incentive, you must deposit $5,000 in your account within 60 days of starting it and keep it open for a total of 90 calendar days. Within 14 days of qualifying, your $400 incentive will be instantly transferred into your account if you satisfy this criterion.

This account has a $20 monthly maintenance charge that is waived if you have a minimum balance of $10,000 across all of your relationship accounts. This account includes one Bonus Service of your choice and enables you to make up to $10,000 in cash or check deposits each month at no additional cost (There is a $20 monthly maintenance fee for this account that is waived when you maintain a minimum balance of at least $10,000 across your relationship accounts. This account allows you to make up to $10,000 in cash or check deposits per month at no added cost ($0.30 for every $100 after that) and includes one Bonus Service of your choosing..30 for every $100 beyond that). 

The following are some of the other services available:

  • Early identification of fraudulent behavior using a fraud tool
  • Deposit Scan by Huntington – up to 50 free mobile deposits each month
  • Paychex payroll services are available at a discount of up to 10%.
  • Incoming domestic wire transfers are free up to two times per month.
  • Deposited Items that have been returned – up to 25 free each month

$750 for Unlimited Plus Business Checking

To be eligible for the Unlimited Plus Business Checking account incentive, you must deposit at least $20,000 into your account within 60 days of starting it and keep it open for a total of 90 days. Within 14 days of qualifying, your $750 bonus will be instantly transferred into your account if you satisfy this criterion.

This account has a $40 monthly maintenance charge that is waived if you maintain a minimum balance of $50,000 across all of your relationship accounts. This account includes your choice of two Bonus Services and lets you to deposit up to $25,000 in cash or checks every month at no additional cost.

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To qualify for either $200 or $500, open a new PNC Bank business checking account before June 30, 2022.

You must establish a new Business Checking or Business Checking Plus account before the deadline and maintain an average minimum balance of $5,000 for the first three months to be eligible for the $200. You must also complete at least 20 qualifying transactions with your PNC Bank Visa Debit Card during the first three months after account creation. Within 90 days of qualifying, you will get the bonus automatically. The fees are as follows:

  • The Business Checking account has a $10 monthly maintenance charge that is waived if you keep an average collected balance of $500.
  • The Business Checking Plus account has a $20 monthly maintenance charge that is waived if you keep an average collected balance of $5,000.

You must create a new Treasury Enterprise Plan or Analysis Business Checking account and maintain an average ledger balance of at least $30,000 for the first three months to be eligible for $500. There are no criteria for transactions. Within 90 days of qualifying, you will get the bonus automatically. The fees are as follows:

  • The Treasury Enterprise Plan has a $50 monthly maintenance charge that is waived if you maintain an average collected balance of $30,000 or more.
  • The Analysis Business Checking account has a monthly maintenance cost of $25.

To be qualified for the bonus, use this URL when applying for the coupon.

Savings Account at Alliant Credit Union – $100

Are you not in the market for a new checking account? The Alliant Credit Union Ultimate Opportunity Savings Account allows you to open a savings account online.

This perk requires dedication to unlock and isn’t as easy as making a deposit or completing transactions. To be eligible, you must create a new account using this link. Then, over the next 12 months, make a monthly contribution of at least $100 into the account. If you’ve followed these steps, you’ll automatically get a $100 bonus at the end of the 12-month period. It makes no difference what your balance is as long as you’ve deposited $100.

To keep your account open, you must retain a minimum amount of $5, and a balance of $100 to continue collecting interest.

This account currently has a 0.55 percent interest rate. That’s not bad when you consider the national average APY for a savings account is 0.06 percent. In fact, compared to other banks and credit unions, this account has had one of the greatest rates available for quite some time.

You must first join Alliant in order to establish this account. Anyone in the United States may join the Foster Care to Success group, even if they don’t live or work in an eligible location. When you join up, Alliant will pay the $5 membership fee on your behalf.

This continuing promotion does not have an expiry date.

It’s a terrific time to create a new Discover Bank savings account if you’ve been thinking about it. New clients who create an Online Savings account and complete deposit criteria between now and June 15th, 2022, may get a bonus of $150 or $200. 

The amount you deposit determines whether you earn $150 or $200. You must deposit at least $15,000 into your account within the first 30 days of starting it to get $150. You must deposit at least $25,000 within 30 days of opening to get $200. Within 30 days of qualifying, your bonus will be instantly transferred into your account. To create a new account, click this link.

The Discover Online Savings account pays an above-average APY of 0.50 percent and is variable. This account has no monthly maintenance fees, low balance fees, or a minimum initial deposit.

If you now have or have had a Discover online savings account, you will not be eligible for the bonus.

Many amazing bank account bonus offers need you to connect your direct deposit in order to qualify, but if you don’t want to do so, you’re not out of luck. Use this guide to choose the best new personal or business checking or savings account for you, and get a bonus for making deposits, transactions, and other activities.

You’ll note that many of these deals demand a sizable deposit or balance to qualify. If you do decide to sign up for one of these accounts as a new client, make sure you use the proper link so you can get the bonus you want without wasting your time.

The “best bank bonus now without direct deposit requirement 2022” is a topic that discusses the best bank promotions and cash bonuses for this year. This article will provide you with the information on which banks are offering what and when they are offering it.

  • $1,000 bank bonus
  • best bank bonus now without direct deposit requirement
  • $400 checking bonus
  • savings account promotions
  • $300 checking account bonus
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