7 offers · updated November 2026
Not everyone can route a payroll direct deposit — if you're self-employed, between jobs, or just don't want to move your paycheck, these 7 offers can be completed without one, with the largest currently worth $3,000. Instead of a qualifying direct deposit, they typically ask for an ACH transfer, a debit-card spend, or a minimum balance. Each listing spells out exactly what's required. Featured banks include HSBC, Capital One, Chase.
A new-to-HSBC customer must open an HSBC Premier checking account by December 31, 2026, bring in at least $50,000 of new money in deposits and/or eligible investments within 30 calendar days of opening, maintain that qualifying balance for 3 full consecutive calendar months after the opening month, and stay opted in to HSBC marketing emails. The cash bonus is tiered by balance (up to $3,000) and is paid into the account within 8 weeks once fully qualified, with the account required to be open and in good standing at fulfillment; the $50 monthly maintenance fee still applies unless separate Pre
Open a new Capital One 360 Performance Savings account on or after April 15, 2026 using promo code EARN1500, deposit at least $5,000 of new money from an outside bank within the first 15 days, and keep that balance for the following 90 days. The bonus ranges from $75 to $1,500 depending on the deposit tier maintained, and is paid into the account within 60 days; customers who had certain Capital One savings accounts on or after Jan. 1, 2024 are ineligible.
Open a new Chase Premier Plus Checking account (online with the offer code applied, or in a branch with an emailed offer code), deposit at least $15,000 in new money not already held at Chase within 30 days of offer enrollment, and keep a balance of at least $15,000 for 90 days from enrollment. The $650 bonus is deposited into the account within 15 days of meeting the requirements, and the offer is not available to existing Chase checking customers.
Open a new Chase Business Complete Checking account online or at a branch using the emailed offer code, then deposit new money (not already at Chase) within 30 days of offer enrollment — $2,000 for a $400 bonus or $10,000 for a $500 bonus — and keep that balance for 60 days. You must also complete 5 qualifying transactions (such as debit card purchases, ACH credits, wires, or Bill Pay) within 90 days of enrollment; the bonus is deposited within 15 days of meeting all requirements.
Open a new Capital One 360 Checking account using promo code DEBIT250, then make at least 20 qualifying in-person or online debit card purchases of more than $10 each within the first 75 days of opening. The account must be open and in good standing when the $250 is paid, and customers who had a 360 Checking, Simply Checking, or Total Control Checking account on or after January 1, 2024 are not eligible.
Open a new Chase Savings account with the offer code (not available to existing Chase savings customers), deposit at least $5,000 in new money from outside Chase within 30 days of enrolling, and keep that balance in the account for 90 days from enrollment. Depositing $5,000-$9,999.99 earns $100 and $10,000 or more earns $200, paid into the account within 15 days after requirements are met.
Open a new Chase Secure Banking checking account (online with the applied offer code, or at a branch with an emailed offer code) as a customer who does not already have Chase checking, then complete at least 10 qualifying transactions, such as debit card purchases, Zelle, ACH credits, QuickDeposit or online bill payments, within 60 days of coupon enrollment. The $175 bonus is deposited into the account within 15 days after those transactions post, provided the account is open and unrestricted.
Yes. The offers on this page accept alternatives such as an ACH transfer from another bank, a set number of debit transactions, or simply maintaining a minimum balance for a hold period.
Often not — many banks specifically require an ACH coded as payroll/government direct deposit. The offers here are ones that do NOT require that, so a normal transfer is enough.
The hard part isn't finding a bonus — it's meeting every requirement before the deadline. BonusBoard tracks all of it for you, so you actually collect the cash.
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