Bank of America Business Checking: Up to a $750 bonus no direct deposit required

To become a member, you’ll need to be an employee or retiree of American Airlines or a subsidiary or otherwise work in the air transportation industry, or live in a household with the same. All accounts either have no monthly fees or fees that can be waived, albeit with a direct deposit or minimum daily balance. American Airlines offers three different checking accounts for adult customers, plus a teen/young adult checking for customers aged 13 to 25. Users have to open an Alliant Ultimate Opportunity Savings Account and deposit at least $100 per month for 12 months.
With options like debit card rentals and cash deposits, you can enjoy the freedom of the road even without a credit card. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options. Prepaid cards have different options for check cashing. Am I missing something that business checking account would require direct deposit? Just make sure that you leave the required deposit amount in over the next two months, because if your balance goes below that, even briefly, you’ll lose the bonus.
If your card only has a magnetic stripe or signature, it may not work in the country you’re visiting. You can minimize or avoid fees by following these tips and resources—before you depart and while you’re traveling. Hidden costs and fees on your various cards can add up quickly in a foreign country, whether you’re withdrawing money from an ATM, buying souvenirs or settling your hotel bill. Although the Chime website specifically states its ATM withdrawal limit is $515 per day, some users on Reddit report having a daily withdrawal limit of up to $3,030. These brands compensate us through a variety of commercial arrangements, including advertising placements and performance-based compensation, such as when users click on links, submit applications, open accounts, or fund accounts. Our Bankrate promise heavybet is to ensure everything we publish is objective, accurate and trustworthy.
Tons of the best bonuses don’t require direct deposit! A no minimum savings account isn’t the only option — here are some alternatives to consider. All other information on accounts is accurate as of March 27, 2026.

SoFi® terms and conditions

• PayPal remains one of the most widely used mobile check cashing apps because it offers both standard and instant funding options for eligible users.
• You may also have to satisfy a minimum deposit threshold upon account opening.
• Bank deposits are the primary means by which people store their money, mainly in savings accounts, checking accounts, and money market accounts.
• To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
• Alliant Credit Union, in partnership with personal finance expert Suze Orman, offers a unique savings bonus that encourages consistent saving habits.
• 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 FinanceBuzz editorial team strives to provide accurate, in-depth information and reviews to help you, our reader, make financial decisions with confidence. Information, including rates and fees, is accurate as of the publishing date and has not been provided or endorsed by the advertiser. Consumers should pay close attention to minimum deposit requirements, maintenance fees, promotional period length, and any conditions for keeping the account open. Banks, hungry for new depositors, offer high deposit “teaser” rates or cash bonuses for opening savings or checking accounts with significant cash balances.
Capital One stands out for its fee-free checking and savings options as well as its extensive ATM network. Ally Bank is a full service bank with options for checking, savings and certificates of deposit (CDs). Financial products are highly regulated so we work closely with partners to make sure the information we have on our site is accurate and includes any required legal language and disclaimers. While the bonus is only $100, lower than other options on this page, it’ll benefit you more in the long run by encouraging you to make a habit of saving.

What bank offers a bonus for opening an account?

• If you are strapped between pay periods and your checking account is barreling toward empty, getting some extra cash without jumping through hoops is a good option for short-term solutions.
• There’s no minimum balance to open or monthly fees.
• Fulton Bank is offering $500 to new business checking customers for completing minimum deposit requirements.
• Can I churn this offer, as in transfer $15,000 for 3 months, wait for the payout, and transfer back to my HYSA and close the account without fees?
• Financial institutions refer to these accounts as interest-bearing checking accounts, Checking Plus, or Advantage Accounts.
• To learn more about this fee, see your Business Account Fee and Information Schedule and review your monthly statements under the Account transaction fees summary section.

Next time you’re wondering what banks give you money for opening an account without direct deposit, check this list. Flushing Bank allows new Complete Checking customers to earn up to $2,500 in a cash bonus when they maintain a minimum average balance for three months. There are also a few rare treasures in this list — checking accounts with no direct deposit requirements to earn a sign-up bonus. Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means). To learn more about this fee, see your Business Account Fee and Information Schedule and review your monthly statements under the Account transaction fees summary section.
Albert offers advances up to $1,000 with no interest and no monthly fees, while Tilt provides $10 to $400 advances with no direct deposit minimums and a $8 monthly fee. Some of the best cash advance apps that don’t require direct deposit include Albert, Tilt, and MoneyLion. This makes it a practical option for workers whose pay doesn’t come through standard employer payroll. Empower offers cash advances without requiring a traditional direct deposit, qualifying users based on regular income deposits from any source — including gig platforms like Uber or DoorDash. Brigit is one of the few cash advance apps that doesn’t require direct deposit, making it accessible to gig workers, freelancers, and anyone without a traditional paycheck setup. MoneyLion’s Instacash feature lets users borrow up to $500 without needing to set up direct deposit, though linking a RoarMoney account or qualifying bank account can increase your advance limit.

Many of the best checking account bonuses and bank promotions for new customers require direct deposits to qualify, and these tend to be larger than bonuses that don’t. When trying to find the best bank bonuses that don’t require direct deposit, there are several important factors to consider. Overall, it’s a solid option if you can afford to have a substantial amount of money tied up for the required period. The bonus is paid about 60 days later, and the account includes a competitive APY, no monthly fees, and online access.

Chase Mobile App

The savings account requires a $0 minimum deposit, no monthly maintenance fees and has a competitive APY. The Online Savings account has a $0 minimum deposit and no monthly maintenance fees. Take a look at the best savings accounts with no minimum deposit for 2026. We aim to make sure everything on our site is up-to-date and accurate as of the publishing date, but we cannot guarantee we haven’t missed something. These partnerships do not influence our opinions or recommendations.
Clearview Federal Credit Union is known as “Pittsburgh’s largest credit union,” and if you’re a new member, you can be eligible to receive $412 when you open a new account. With more than 1 million users and $6 billion in assets, M1 could be worth considering if you are just getting started investing or looking for an easy-to-use, no-fee investment account. With no or low monthly fees and high interest rates, these online banks and financial service companies offer cost savings compared to some traditional banks. To qualify, you would have to open your savings account with at least a $25 minimum deposit. Earn $750 with a $20,000 to $99,999 deposit; $1,500 with a $75,000 deposit; $1,500 with a $100,000 minimum deposit and $2,000 with a $200,000 minimum deposit.