Best online bank bonus now without direct deposit requirement 2022

It’s possible to make $100s just by opening up a new bank account. But sorting through the best offers can be tricky. There’s no shortage of enticing opportunities for banking clients right now.

We’re happy to do the work for you. The Money Crashers team combs through hundreds of bank account deals every month to find you the most lucrative sign-up bonuses – some worth up to $1,000 or more.

Don’t want to miss out? Read on for our roundup of the best bank promotions for this month and the requirements you must meet to qualify for each. Most are available to new customers in all 50 states, but a few have geographical restrictions to bear in mind.

Top Bank Account Promotions for October 2022

These are the top bank promotions active right now. They include a mix of high-yield checking accounts and high-yield savings accounts.

Many are available through popular brick-and-mortar and online banks that also offer competitive yields on other types of deposit accounts, such as money market accounts and certificates of deposit (CDs).

And if you’re in the market for a new home loan or personal loan, opening a deposit account with one of these banks could entitle you to special privileges, like reduced closing costs and lower interest rates.

BMO Harris PremierTM Account — $350 Bonus

Open a new BMO Harris PremierTM Account by Dec. 30, 2022, and get a $350 cash bonus when you receive a total of at least $7,500 in qualifying direct deposits within the first 90 days your account is open.

That’s it — it’s that simple.

Moving forward, enjoy great benefits like:

• ATM surcharge rebates up to $25 per monthly statement period
• Unlimited transactions at non-BMO Harris ATMs
• Earn interest on your checking balance
• Potentially generous Relationship Package benefits

This new checking account offer is limited to one per customer. It’s not available to current BMO Harris personal checking customers nor previous customers who closed a BMO Harris personal checking account within the past 12 months.

You can open your account online or at a BMO Harris branch. Accounts are subject to approval. Member FDIC

Apply for a BMO Harris PremierTM Account

BMO Harris Smart AdvantageTM Account — $200 Bonus

BMO Harris has another easy-to-attain new bank account promotion that’s very similar to the Premier bonus opportunity. Here’s How it works:

• Open a new BMO Harris Smart AdvantageTM Account by Dec. 30, 2022
• Get a $200 cash bonus when you receive a total of at least $4,000 in qualifying direct deposits within the first 90 days your account is open

As with the Premier promotion, this offer is limited to one per customer and is not available to current BMO Harris personal checking customers nor those who’ve had one within the past 12 months.

Open your account online or at a BMO Harris branch, subject to approval. Member FDIC

Apply for a BMO Harris Smart AdvantageTM Account

Chase Business Complete Checking – $300 Bonus

Small-business owners (including sole proprietors) can take advantage of an attractive offer on a popular business checking account: $300 for new Chase Business Complete Checking customers who open an account online or in person and complete qualifying activities.

To qualify for this opportunity, simply open a new Chase Business Complete Checking account with qualifying activities. No minimum opening deposit is required. Moving forward, enjoy multiple ways to waive the $15 monthly service fee.

Chase has ATMs and branches in all 48 states in the continental U.S. and this offer is available online nationwide, except for residents of AK, HI, and PR.

Apply for a Chase Business Complete Checking Account

Citi Priority Account – Up to $2,000 Cash Bonus

For a limited time, a checking account bonus worth up to $2,000 when you open a Citi® Priority Account and complete all required activities. Here’s how:

• Open new eligible Citi® Priority checking account during the offer period (from July 18, 2022 through Jan. 9, 2023).
• Make a qualifying deposit of funds new to Citi between the checking and savings accounts within 20 days of account opening.
• Keep a minimum balance equal to or greater than your initial deposit between the two accounts for 60 consecutive calendar days after the 21st day.
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.

The bonus tiers are as follows:

• $200: Minimum deposit and minimum balance between $10,000 and $29,999
• $500: Minimum deposit and minimum balance between $30,000 and $74,999
• $1,000: Minimum deposit and minimum balance between $75,000 and $199,999
• $1,500: Minimum deposit and minimum balance between $200,000 and $299,999
• $2,000: Minimum deposit and minimum balance greater than $300,000

After completing all qualifying activities, you’ll receive the bonus in your account within 30 calendar days. You must apply from the offer page linked below to earn this offer.

Moving forward, you must maintain a balance of $30,000 or greater in all eligible linked Citi accounts, including linked deposit, retirement and investment accounts, to avoid the $30 monthly service fee on the Citi® Priority Account Package.

Fifth Third Momentum® Checking — Earn a $250 Cash Bonus

For a limited time, open a new eligible Fifth Third checking account and complete qualifying activities to earn a $250 cash bonus.

Here’s how it works:

• Open your new eligible account between Sept. 15, 2022, and Dec. 31, 2022
• Automatically activate your offer when you click “Open an Account” on the landing page, or enter your email to get your $250 offer code and bring it to any Fifth Third branch to open your account in person
• Make qualifying direct deposits totaling $1,000 or more within 90 days of account opening
• Account must be funded within 45 days of account opening to be eligible for the bonus

That’s it. Just look out for the $250 bonus in your account within 10 days of completing qualifying activities.

This offer is available in Ohio, Indiana, Kentucky, Michigan, North Carolina, Florida, Georgia, Tennessee, South Carolina, West Virginia, and Illinois.

Moving forward, enjoy great Fifth Third Momentum® Banking benefits like:

• No hidden fees
• No minimum balance
• Extra Time to avoid overdraft fees
• Get eligible payroll direct deposits up to 2 days early with free Early Pay

Apply Now for a Fifth Third Bank Momentum Checking Account

Bank of America Advantage Banking – $100 Bonus Offer

Bank of America Advantage Banking is an innovative checking account with a great bonus offer for new account holders.

See offer page for more details.

Bank of America Advantage Banking is a checking account with three settings: Advantage SafeBalance, Advantage Plus, and Advantage Relationship. Pick the one that works for you right now, and if your life changes, switch to another setting that fits the new you. It’s that simple.

• Easy, Anytime Access: Visit Bank of America at thousands of financial centers and ATMs.
• 24/7 Security: Total Security Protection® and fraud monitoring.  Secure sign-in, card locking features and more.
• Convenient Ways to Pay: Use your debit card or a digital wallet.
• Smart Money Management Tools: Set custom alerts and savings goals.  Get cash back deals and rewards customized for you.
• Unauthorized Transactions: Bank of America’s $0 Liability Guarantee means that you’re not liable for unauthorized transactions made using your consumer debit card, as long as you report them promptly.
• Debit Card Controls: Temporarily lock a misplaced card quickly and easily to help prevent unauthorized use.
• Custom Alerts:  Know now and react fast to important account changes.  You can set custom alerts via email or text for things like a low balance, a pending deposit, an upcoming bill and more.

Apply Now for Bank of America Advantage Banking

Bank of America, N.A. Member FDIC.

Chase Total Checking® – $200 Bonus

Open a new Chase Total Checking® account and set up direct deposit within 90 days of coupon enrollment. You’ll then receive a $200 bonus within 15 business days.

There is a $12 monthly fee, but it’s waived if you meet at least one of the following criteria in each monthly statement period:

• Execute direct deposits totaling $500 or more made to the account.
• Maintain a $1,500 minimum daily balance.
• Maintain an average daily balance of $5,000 or more in qualifying linked deposits or investments.
• Pay at least $25 or more in qualifying checking-related services or fees.

To receive this bonus, you can either apply online using the link above or enter your email here and take the coupon to a local Chase branch. You must apply by Jan. 25, 2023.

Chase has ATMs and branches in all 48 states in the continental U.S. This offer is available online nationwide, except for residents of AK, HI, and PR.

Open a Chase Total Checking Account

Discover Online Savings Account – $150 or $200 Bonus

Apply for your first Discover Online Savings Account between Sept. 16, 2022, and Dec. 15, 2022, to take advantage of an opportunity to earn a $150 or $200 account opening bonus. Here’s how it works:

• Apply for your first Discover Online Savings Account online, by phone, or through the Discover app by the stated offer end date using the offer code MC922.
• Fund the account with qualifying cumulative deposits within 30 days of the account opening date. Deposit must be posted to account within 30 days of account open date.
• The total cumulative funding amount must be at least $15,000 to qualify for the $150 bonus or at least $25,000 to qualify for the $200 bonus.

See advertiser website for complete details.

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code MC922 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice.

Apply Now for a Discover Online Savings Account

TD Bank Beyond Checking℠ — $300 Cash Bonus

Apply online for a new TD Bank Beyond Checking account, and you’ll get a $300 cash bonus once you receive direct deposits of more than $2,500 within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online.

The Beyond checking account typically includes a $25 monthly maintenance fee, but it’s waived with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.

This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.

Apply Now for TD Bank Beyond Checking

TD Bank Convenience Checking℠ – $200 Cash Bonus

As an alternative to the TD Bank Beyond Checking offer above, you can apply online for a new TD Bank Convenience CheckingSM account, which has a much lower minimum balance requirement. You’ll get a $200 cash bonus once you receive direct deposits of more than $500 within 60 days.

To qualify for this offer, you must be a U.S. resident and apply for the offer online. The Convenience Checking account typically includes a $15 monthly maintenance fee, but it’s waived if you keep a low minimum daily balance of at least $100.

Students and young adults ages 17 through 23 qualify for additional perks, such as no monthly maintenance fee and no minimum balance requirements.

This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.

Apply Now for TD Bank Convenience Checking

HSBC Premier Checking – $500 Welcome Offer

HSBC has a great limited-time offer for new Premier Checking customers.

Here’s how it works. Get a $500 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.

• Open your new HSBC Premier checking account online by Feb. 15, 2023, using the link below, and:
• Make recurring monthly Qualifying Direct Deposits totaling at least $10,000 from a third party to your HSBC Premier checking account(s) for three consecutive calendar months from the second full calendar month after account opening

You will automatically receive the $500 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It’s that simple.

Apply Now for HSBC Premier Checking

Please note: The minimum monthly direct deposit requirement for the $500 Welcome Deposit Offer is different from the Premier Relationship minimum monthly direct deposit requirement.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A., member FDIC.

Huntington Bank Huntington Platinum Perks CheckingSM — $300 Bonus

For a limited time, Huntington Bank has one of the most generous new account opening bonuses available — worth $300 when you complete qualifying activities. Here’s how it works:

• Open a Huntington Bank Huntington Platinum Perks Checking® account between June 1, 2022, and Oct. 7, 2022.
• Make cumulative new money deposits of at least $25,000 within 60 days of account opening.
• Keep your account open for a minimum of 90 days.

After completing these qualifying activities, you should receive your $300 bonus in your new account within 14 days.

This account is available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin.

Learn More about Huntington Platinum Perks Checking

Chase College Checking — $100 Bonus

The Chase College Checking Account is the best bank account for students between the ages of 17 and 24 — not least because it has a category-leading bonus opportunity for new Chase customers.

When you open a new account, you may qualify for a $100 account opening bonus after completing qualifying activities. But you have to act fast, as this is a limited-time offer — valid only through Jan. 25, 2023.

Moving forward, take advantage of features like:

• No monthly service fees (typically $6 per month) for college students up to five consecutive years
• No minimum deposit or ongoing balance requirements
• Instant P2P transfers with Zelle
• Access to 16,000 Chase ATMs nationwide

Open an Account with Chase

U.S. Bank Business Checking — $400 Bonus With Qualifying Activities

Through Jan. 9, 2022, U.S. Bank is offering the opportunity to earn a $400 bonus when you open an eligible new business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations.

The eligible accounts are:

• Silver Business Checking Package
• Gold Business Checking Package
• Platinum Business Checking Package

Complete these steps to earn the offer:

• Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
• Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days. 
• Make five qualifying transactions into your new business checking account. Qualifying transactions include: debit card purchases, merchant deposits, ACH credits, wire credits or debits, mobile check deposit, or bill pay.

Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account. Member FDIC.

Deposit products offered by U.S. Bank National Association. Member FDIC.

Apply Now for U.S. Bank Business Checking

Albert — $150 Cash Bonus

For a limited time, open a new Albert account and complete qualifying activities to earn a $150 bonus.

Once your account is open, do the following:

• Receive direct deposit totaling at least $200 every 30 days for the first consecutive 90 days
• Spend at least $100 on your Albert debit card every 30 days for the first consecutive 90 days
• Keep your account open during the offer period
• Meet all of the above requirements within 150 days of joining Albert

That’s it — once you’ve completed these qualifying activities, look out for your $150 bonus. And moving forward, enjoy no hidden fees and no monthly maintenance fee on your Albert account.

Apply Now for Albert

Huntington Bank Huntington Perks CheckingSM — $200 Bonus

Not ready for a Huntington Platinum Perks Checking account? Open a Huntington Perks CheckingSM account during the offer period and complete qualifying activities to earn a bonus that’s nearly as generous — and much more accessible than Huntington Platinum Perks’ offer.

Here’s what you need to do:

• Open a Huntington Bank Huntington Perks CheckingSM account between June 1, 2022, and Oct. 7, 2022.
• Make cumulative new money deposits of at least $1,000 within 60 days of account opening.
• Keep your account open for a minimum of 90 days.

You should receive your $200 bonus in your new account within 14 days after completing the qualifying activities.

This account is available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin.

Learn More about Huntington Perks Checking

Huntington Bank Asterisk-Free Checking® — $150 Bonus

Huntington Bank’s most accessible checking account, the maintenance-fee-free Asterisk-Free Checking®, has a new account opening bonus opportunity as well.

Its bonus requirements are identical to the Huntington 5 offer: Open your account between June 1, 2022, and Oct. 7, 2022, then make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days.

You should receive the bonus in your account within 14 days of completing qualifying activities.

This account is available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin.

Learn More About Huntington Asterisk-Free Checking

Acorns Checking – $75 Bonus

Looking for a checking account that helps you spend and save for your future? You’re a great candidate for Acorns Checking.

And, for a limited time, you can qualify for a $75 bonus when you open a new Acorns Checking account and complete qualifying activities.

Here’s what you need to do:

• Set up your Acorns Checking account in 3 minutes or less using the link on this page and get approved for your account by the stated offer end date.
• Make Acorns Checking your direct deposit method with your employer.
• Receive 2 direct deposits of at least $250 per deposit during the offer period.

That’s it. Complete these activities and you should see the $75 bonus in your Acorns Checking account within 45 days.

This offer is available to both new and existing Acorns Checking customers who have never set up direct deposit. To earn the bonus, your Acorns Invest account must be open, verified, and in good standing at the time of reward fulfillment, as must be your Acorns Checking account.

Apply Now for Acorns Checking

Chase Secure BankingSM – $100 Bonus

Open a new Chase Secure BankingSM account and complete qualifying activities within 60 days of coupon enrollment to earn a $100 bonus.

Here’s how it works:

• Open your account online or enter your email address to get your coupon and bring it to a Chase branch to open an account.
• Then, complete 10 qualifying transactions within 60 days of coupon enrollment.

You’ll receive your $100 bonus within 15 business days after the qualifying transactions have posted to your account. You must apply by Jan. 25, 2023.

This offer is available nationwide.

Apply Now for Chase Secure Banking

Citigold® Checking Account – Up to $2,000 Cash Bonus

For a limited time, earn a checking account bonus worth up to $2,000 when you open a qualifying Citigold® Checking Account and complete qualifying activities.

Here’s how this bonus opportunity works:

• Open a Citigold® Checking Account between Jul. 18, 2022 and Jan. 9, 2023
• Within 20 days of account opening, make a qualifying deposit in new-to-Citi funds between your new checking and savings accounts.
• Maintain a minimum balance equal to or greater than your minimum deposit between your checking and savings accounts for at least 60 consecutive calendar days after the 21st day.

The bonus tiers are as follows:

• $200: Minimum deposit and minimum balance between $10,000 and $29,999.
• $500: Minimum deposit and minimum balance between $30,000 and $74,999.
• $1,000: Minimum deposit and minimum balance between $75,000 and $199,999.
• $1,500: Minimum deposit and minimum balance between $200,000 and $299,999
• $2,000: Minimum deposit and minimum balance of $300,000 or greater

Once you’ve completed the qualifying activities, you should see the bonus deposited in your open, eligible account within 30 calendar days.

This offer is available to new account holders located in all 50 states.

There is no monthly service fee. However, to maintain Citigold® Checking Account eligibility, you must maintain a minimum combined average monthly balance of $200,000 in eligible linked banking, retirement, and investment accounts.

PNC Virtual Wallet® – Up to $400 Bonus

Earn a bonus worth up to $400 when you open a new PNC Virtual Wallet® by the stated offer end date and complete qualifying activities. Here’s how this offer works:

• Earn $50 when you open a new PNC Virtual Wallet and establish total qualifying direct deposit(s) of $500 or more to the Spend account.
• Earn $200 when you open a new PNC Virtual Wallet with Performance Spend and establish total qualifying direct deposit(s) of $2,000 or more to the Spend account.
• Earn $400 when you open a new PNC Virtual Wallet with Performance Select and establish total qualifying direct deposit(s) of $5,000 or more to the Spend account.

Your qualifying direct deposit(s) must be received within the first 60 days. Your bonus will be credited to the eligible account within 60 to 90 days after you’ve met all conditions. Your Virtual Wallet product must remain open in order for you to receive the reward.

This offer is available in CA, TX, AZ, NM, CO, PA, FL,  OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, and WI.

If you’re located in AR, CT, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, TN, UT, VT, WA, WY you can receive a $200 bonus with the PNC Virtual Wallet Checking Pro account.

Bask Bank – 1,000 Bonus AAdvantage® Miles

Bask Bank offers a great opportunity for new account holders to earn American Airlines AAdvantage® miles during the first year after opening a Bask Savings Account.

Here’s how it works:

• Deposit $5,000 in new money (funds not previously deposited with Bask Bank or its affiliates) into your new Bask Savings Account within 30 days of opening.
• Maintain a $5,000 minimum balance in the account for at least 90 consecutive days within the first 120 days of account opening and you’ll receive 1,000 AAdvantage® miles.

Bask Bank awards bonus miles within 10 business days of confirming you’ve met the bonus requirements. Allow up to eight weeks for miles to post to your AAdvantage® account.

The value of this offer will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

Apply Now for Bask Bank Savings

Bask Bank and BankDirect are divisions of Texas Capital Bank, N.A. Member FDIC. The sum of your total deposits with (i) Bask Bank; (ii) BankDirect; and (iii) Texas Capital Bank, N.A. are insured up to $250,000.  Additional coverage may be available depending on how your assets are held.

SoFi Checking and Savings – Up to $100 Cash Bonus

Open a new SoFi Checking and Savings account and complete qualifying activities to earn a cash bonus worth up to $100. Here’s how it works:

• Open your new account and deposit $100 to earn $25.
• Set up a direct deposit worth at least $500 to earn an additional $75.

That’s all you have to do to claim $100 in total bonus money. Moving forward, you’ll enjoy FDIC insurance on balances up to $250,000 (or $500,000 for joint acounts), 1.80% APY on the first $50,000 with no account fees, and an enviable lineup of perks exclusive to SoFi account holders.

Learn More About SoFi Checking and Savings

Axos Bank Basic Business Checking – $200 Welcome Offer

For a limited time, you may qualify for a $200 welcome bonus when you apply for and open a new Axos Bank Basic Business Checking account.

If you’re a new business incorporated after June 1, 2020, you can apply for your new Axos Bank Basic Business Checking account using the promo code “NEWBIZ200” and receive a $200 account opening bonus. Qualifying activities may apply.

If you’re not a new business, you can still earn a $100 bonus when you open a new account. Just apply for the account and use the promo code “NEWAXOSBIZ”. Qualifying activities may apply.

After meeting all bonus requirements, you should receive your bonus within five business days of your third statement cycle date. Your account must remain open for at least 180 days to avoid the $50 early closing fee.

Apply Now for Axos Bank Business Checking

Brex Cash — 10,000 Bonus Points

Brex Cash has a simple, solid account opening offer for new customers. Just open a new account and spend at least $3,000 in purchases within the first 3 months to earn 10,000 bonus points that you can redeem for cash, perks, and more.

Moving forward, you’ll pay no account fees and won’t be held to any minimum daily balance requirements. Plus, enjoy value-added perks worth as much as $150,000 and a generous ongoing rewards program.

Learn More About Brex

Final Word

Take your pick of these bank promotions. You’ve earned them. But don’t let bank account bonuses have the last word on where you choose to bank.

When choosing a bank, it’s important to find one that suits your needs – whether that’s favorable interest-bearing accounts, low or no fees, overdraft protection, access to potentially lucrative cash-back credit cards, or mobile-friendly online banking features.

Bank account promotions for new customers are wonderful, but taking advantage of permanent perks is a long-lasting bonus in its own right. You deserve a bank that’s willing to work every day to earn your business.

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser, and have not been reviewed, approved, or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

What banks will give you money for opening an account?

What bank can I open an account online with no deposit?