18 offers · updated June 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 18 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 Chase, HSBC, Capital One, Western Alliance, and others.
Transfer $150,000+ in new money to eligible Chase accounts within 45 days. Keep for 90 days.
Deposit $150,000–$249,999 in new cash to earn $1,500. Higher tiers available up to $7,000.
Use promo code; bonus tiered by deposit ($20k → up to $100k+) held ~90 days after a 15-day funding window. VERIFY code + tiers.
Open via Raisin by March 31. Deposit $100,000+ and maintain for qualifying period.
Up to $1,200 via Raisin; open and fund qualifying deposit before mid-July. VERIFY exact tiers + deadline on Raisin.
Use promo code Q1AFL26. Deposit $5,000+ within 30 days, maintain for 60 days, complete 6 transactions.
Deposit $10,000+ within 20 days and maintain for 90 days.
Deposit $10,000+ within 30 days and maintain for 60 days.
Deposit $2,500+ and make 10 qualifying debit transactions within 90 days.
Open with promo code and deposit $20,000+ in new money within 30 days for cash bonus + boosted APY. VERIFY code; deadline is tight.
Deposit $30,000+ within 30 days, maintain for 120 days. New customers only. Expires Mar 31.
Open account and make 3 qualifying debit card transactions within 60 days.
Deposit $10,000+ within 30 days and maintain balance for 90 days.
No minimum deposit required. Complete qualifying activities within 30 days.
Maintain average daily balance of $100 for 12 months. No monthly fees with ePayments.
Free shares for new funded accounts; ACAT transfer match (~3.5%). VERIFY current match and free-share terms.
Transfer bonus match on assets moved in via ACAT (rate varies; Gold may be required). VERIFY current rate and hold period.
Open and fund a new SoFi Active Investing account for stock bonus (up to ~$1,000 in stock, deposit-tiered). VERIFY current promo.
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.
Some links on this page are affiliate links — BonusBoard may earn a commission if you open an account, at no cost to you. This never affects how offers are ranked. Bonus terms are set by the bank and may change; always confirm details on the bank's official page before applying.