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No direct deposit? No problem.

No direct deposit? Janet found a few that don't need one, and a few that take something else instead.

No direct deposit needed 8

• Bank of Hawaii

  Savings

  AdvertisedUp to $300·Estimated net$300

  No direct deposit needed.

  AI summaryOpen a savings account, add $5,000 to $20,000 of new money in 30 days, and keep it in through day 90.

  • Hold 90 days
  • Est. effective yield 6%
  • No direct deposit

• Chase

  Checking + Savings

  AdvertisedUp to $900·Estimated net$900

  No direct deposit for: $200 savings bonus only; the checking parts need a direct deposit.

  AI summaryOpen Chase checking and savings together, get a direct deposit, and keep $15,000 in savings for 90 days.

  • Hold 90 days
  • Est. effective yield 5%
  • Ends Jan 27
  • No direct deposit (one part)

• Capital One

  Savings

  AdvertisedUp to $1,500·Estimated net$1,500

  No direct deposit needed.

  AI summaryOpen 360 Performance Savings with the promo code, add $20,000+ of new money within 15 days, and keep it in for 90 days.

  • Hold 105 days
  • Est. effective yield 5%
  • No direct deposit

• E*TRADE (Morgan Stanley Private Bank)

  Savings

  Advertised$200·Estimated net$200

  No direct deposit needed.

  AI summaryOpen Premium Savings with the promo code, add $20,000 of new money in 30 days, and keep it in for 45 more days.

  • Hold 75 days
  • Est. effective yield 5%
  • Ends Nov 30
  • No direct deposit

• Percapita

  Checking

  AdvertisedUp to $300·Estimated net$300

  No direct deposit needed.

  AI summaryOpen a Cash Account and earn $25 for each month in your first year that you spend $300+ with the debit card.

  • Hold ~375 days
  • Ends Dec 31
  • No direct deposit

• Huntington

  Checking

  AdvertisedUp to $600·Estimated net$525

  No direct deposit for: $600 Platinum Perks bonus only; the $400 Perks bonus needs a direct deposit.

  AI summaryOpen Platinum Perks Checking and add $25,000 in new money within 90 days, or Perks Checking with $500+ in direct deposits.

  • Hold 104 days
  • Ends Jan 15
  • No direct deposit (one part)
  • 21 states

• 4Front Credit Union

  Checking

  Advertised$400·Estimated net$400

  No direct deposit needed.

  AI summaryJoin 4Front, open Straight4ward Checking, and for three months log in, deposit $500, use eStatements and make 15 card purchases.

  • Hold ~92 days
  • No direct deposit

• Numerica Credit Union

  Checking

  Advertised$300·Estimated net$300

  No direct deposit needed.

  AI summaryJoin Numerica, open Bonus Checking, use eStatements, and make 12+ card transactions a month for two months in a row.

  • Hold ~101 days
  • No direct deposit

Direct deposit alternatives allowed 7

• Connexus Credit Union

  Checking

  AdvertisedUp to $300·Estimated net$300

  Instead of direct deposit: A $500 monthly transfer from another bank counts.

  AI summaryOpen Xtraordinary Checking, use the debit card, get a $500 monthly deposit, and keep $5,000 to $15,000 in for two months.

  • Hold ~60 days
  • Est. effective yield 12%
  • Ends Dec 20
  • Direct deposit alternative

• Bask Bank

  Checking + Savings

  AdvertisedUp to $300·Estimated net$300

  Instead of direct deposit: Recurring transfers from another bank count.

  AI summaryOpen Bask savings and checking, keep $10,000+ in savings, and add $2,500 a month to checking, for up to six months.

  • Hold ~180 days
  • Est. effective yield 6%
  • Ends Dec 31
  • Direct deposit alternative

• North Shore Bank

  Checking

  AdvertisedUp to $400·Estimated net$400

  Instead of direct deposit: $100 a month in debit card purchases counts.

  AI summaryOpen checking with the promo code and earn $40 each month you spend $100 on the debit card or get $500 in direct deposits.

  • Hold ~364 days
  • Ends Nov 7
  • Direct deposit alternative

• Bankers Trust

  Checking

  Advertised$400·Estimated net$220

  

  Heads up: fees cut this by $180$15/mo maintenance × 12

  Instead of direct deposit: Mobile check deposits count.

  AI summaryOpen checking in a branch, make 25 debit transactions and two $200+ deposits within 60 days. A $400 fee applies if closed within a year.

  • Hold 365 days
  • Ends Dec 31
  • Direct deposit alternative

• Navy Federal Credit Union

  Checking

  Advertised$400·Estimated net$400

  Instead of direct deposit: $500 a month in mobile, branch or ACH deposits (3 of 4 months) counts.

  AI summaryJoin Navy Federal with the promo code, open checking by Dec 31, and set up direct deposit by Apr 30, 2027. Military community only.

  • Hold ~271 days
  • Ends Dec 31
  • Direct deposit alternative

• Citi

  Checking

  Advertised$325·Estimated net$325

  Instead of direct deposit: ACH transfers from another bank count.

  AI summaryOpen Citi Regular Checking, enroll in the offer, and get $3,000+ in direct deposits within 90 days.

  • Hold 120 days
  • Ends Jan 11
  • Direct deposit alternative

• SouthState Bank

  Checking

  Advertised$300·Estimated net$290

  Instead of direct deposit: A $25 automatic draft counts.

  AI summaryOpen SouthState checking with the promo code, make 15 debit purchases, and get $250 in direct deposits or a $25 auto draft within 60 days.

  • Hold ~63 days
  • Direct deposit alternative

Sorted by estimated effective yield, high to low, then the rest. Money and dates are estimated from each bank's page. How we estimate