Checking Account Bonus: No Direct Deposit Required! Once the required activities are completed, you’ll receive your new checking account bonus within 15 days. Then, set up and receive at least two direct deposits, each of $500 or more, within 75 days of account opening. There are no monthly fees or minimum deposit requirements for the account, and it earns a small amount of interest (0.10%) which beats the 0% you get from most other checking accounts. You can earn a $400 cash bonus by having at least $4,000 in qualifying direct deposits within the first 90 days. BMO Bank is currently offering a new account bonus on its Smart Advantage and Smart Money checking accounts. Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team. She previously edited content on personal finance topics at GOBankingRates. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet. Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment. Make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment. Available nationwide, Baselane is a banking platform for landlords to help them manage rent collection, taxes, banking, insurance and more! While this isn’t available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers. 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. 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 $1,200 welcome bonus for Summer 2026 when you open a new savings account and deposit new funds. If these qualifications are met, your bonus will be paid to your account within 120 days from account opening. However, in order to earn the bonus, you usually have to meet a few requirements. BONUS EARNED will be paid within 120 days from account opening One leprezone casino bonus per customer and only one bonus paid per account. To be paid, make sure you keep your Spending Account open and in Good Standing through the payout. If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum.

Best Bank Bonuses Without Direct Deposit Requirements – July 2026

• 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.
• One bonus per customer and only one bonus paid per account.
• Available to residents within their footprint, First Commonwealth Bank is offering a $200 welcome bonus when you open a new personal checking account and set up direct deposit.
• New checking customers can earn up to $500 by opening a new eligible checking account, then setting up and receiving qualifying direct deposits into the new account within 90 days of account opening.
• Available in select midwestern states, Central Bank of the Midwest is offering a $500 welcome bonus when you open a new business checking account and maintain a minimum balance.
• The Business Checking signup offer requires you to optionally, deposit and maintain a minimum balance and make purchases using the account’s card in order to earn the $750 bonus.

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. 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. Most bank bonuses have a few qualifying requirements.

• For this bank promotions roundup, more than a dozen data points were considered per offer.
• 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.
• The Barclays Tiered Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus.
• But before you take the plunge, it’s important to make sure you understand what bank promotions are and how they work to help you know if they are worth your while
• 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.
• To qualify for the personal checking offer, you must not already have a personal checking account with Banner Bank.
• Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet.

What’s the catch with bank promotions and bonus offers?

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. Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. We rank the best bonuses based on the amount, requirements to earn the bonus, and account details and restrictions. We identified the 10 best checking accounts that are free to open and maintain. Add a direct deposit to your checking account and enjoy getting paid up to two days earlier with Priority Pay3. Interest is paid on your entire balance with a premium rate paid on your first $1,000.2 The revenue these partnerships generate gives us the opportunity to pay our great team of writers for their work, as well as continue to improve the website and its content. This means that, at no additional cost to you, we may get paid when you click on a link. That includes what fees might be incurred and how long you might have to wait for the bonus to be paid. 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.

Choose your new checking account bonus

Now available nationwide, BMO is offering up to a $1,500 welcome bonus when you open a new business checking account and meet the minimum balance requirements. The Bask Mileage Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the 20,000 bonus miles. You can stack this offer with their personal checking account bonus to earn a total of $800. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. You can stack this offer with their personal checking account bonuses to earn a lot more! The Personal Checking signup offer requires you to make purchases using the account’s card in order to earn the $200 bonus. The Personal Checking signup offer requires you to make purchases using the account’s card in order to earn the $350 bonus. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Available nationwide, Wells Fargo is offering a $400 welcome bonus when you open a new business checking account and maintain a minimum balance.