5 Best Bank Bonuses Without Direct Deposit August 2026
Sometimes, even the best HYSAs sneak in direct deposit requirements and extra rules. 3.30% Annual Percentage Yield (APY) is subject to change at any time without notice. 3.80% Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months.
Not dipping into your savings is great, but you can’t avoid it forever. But if you’re trying to avoid minimums altogether and don’t want to make recurring deposits, you could earn a better rate with the other no-minimum savings accounts on our list. Right now, it earns 3.00% APY with no minimum balance, minimum deposit, or direct deposit requirements to get it. It even offers an APY boost of 0.65%, on top of the base rate of 3.30% APY, for the first three months after successfully referring a friend. But the reason we chose it for this list is that, in addition to regularly offering a good rate even when the market is in flux, this account is designed for quick, easy transfers to and from other accounts. SoFi Checking and Savings is a joint account that earns interest on your checking and savings balances, and it stood out in our research because you can earn interest on all your money.
You must make 10 qualifying transactions in 60 days to earn the bonus. If you’re looking for a checking account with no minimum opening deposit requirement, check out the Chase Secure Banking account, which frequently offers sign-up promotions. We’ve tracked down some of the best bank account bonuses with no direct deposit requirements. You’ve probably seen these sign-up bonuses and new customer offers advertised countless times for checking and savings accounts.
New users get a 30-day free trial before the first monthly fee applies. The account does come with a $1 monthly fee, but considering the ease of earning the bonus, it can still be worthwhile. You can learn more on our Stash promo page, which explains each bonus and its requirements. That means you’ll pay three months of Stash’s $3 subscription fee — a total of $9. To learn more about our research methodologies and how we obtain star ratings, check out how FinanceBuzz rates deposit accounts.
Our fee policy is subject to change at any time. American Express Rewards Checking has no minimum opening deposit, monthly account fee, or minimum balance requirement. NFCU also offers optional overdraft protection to help you avoid overdraft fees. It has no minimum opening deposit, monthly maintenance fee, or minimum balance requirement. The nbkc Everything Account combines checking and savings features in one interest-bearing account. The Ally Bank Spending Account has no minimum opening deposit, monthly maintenance fee, overdraft fee, or minimum balance requirement.
- The Chime Checking Account boasts no monthly fees, no overdraft fees, and no foreign transaction fees.
- So by combining your checking and savings needs into a single account, you can earn interest, manage your money and track your spending all at once.
- Like Platinum Savings, this account also features no monthly fees and no overdraft charges.
- 0.70% Savings APY BoostEarn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months.
- As a rule, no account is worth opening just for a bonus, but check out our list of the easiest banks to get approved for to discover some easy-to-open online accounts that offer bonuses.
- SoFi’s ATM policies are subject to change at our discretion at any time.
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. The Self-Directed Investing signup offer requires you to deposit and maintain a minimum balance in order to earn the $1000 bonus. The Chase Private Client Checking℠ signup offer requires you to deposit and maintain a minimum balance in order to earn the $3000 bonus. The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $1200 bonus. The HSBC Premier signup offer requires you to deposit and maintain a minimum balance in order to earn the $5000 bonus.
- The account offers no monthly fees for account holders and there are no ATM fees.
- We’ve tracked down some of the best bank account bonuses with no direct deposit requirements.
- For a $900 policy, biweekly payments might look like $77 per paycheck over periods—covering your full 6 months without that brutal premium upfront.
- These days, even “traditional” banks make it easy to open free checking accounts online.
- 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.
Checking account star rating categories
The best online checking accounts have no monthly fees and offer interest or cash back on spending. The lack of monthly fees and minimum initial deposit makes it accessible to most savers. The account has no monthly fees, and the bonus is paid quickly once requirements are met. Be sure to dig into the account details to find the best bank accounts with no monthly fees for your needs.
American Express® High Yield Savings
Furthermore, they do not require you to maintain a minimum daily balance to avoid penalties. Many top online banks, such as Capital One 360, and SoFi, explicitly offer a “no deposit bank account.” This means the required minimum opening deposit is exactly $0. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. 0.70% Savings APY BoostEarn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. SoFi’s ATM policies are subject to change at our discretion at any time.
It just requires a place where lenders can’t avoid offering it. When choosing from the kickback best free bank accounts, it’s important to take your time and choose wisely. These days, even “traditional” banks make it easy to open free checking accounts online. That’s not always possible if you’re living paycheck to paycheck.
Bank of America® Advantage Plus Checking Details
Keep this in mind when you’re figuring out your total return on any given offer. If you go this route, make sure that your credit card issuer flags the deposit as a purchase and not as a cash advance so you can avoid unnecessary fees. Usually, you have to dig through a bank’s website to find bonuses, but we launched BankBonus.com to make it easy to find the best bank bonuses in one place.
Accounts fees you should avoid with savings accounts include monthly maintenance fees and minimum balance fees. If you’re looking for an account with digital savings tools, Ally is your best bet. Keep an eye out for changes to ensure you’re getting the best possible return on your funds. With an APY of 5.15%, in 12 months — assuming you don’t withdraw or add any funds — you earn a total of $51.48 in interest. APYUp to 3.8% (with qualifying boost of 0.70% for the first six months) Minimum opening depositNoneOther feesNone