Best Bank Bonuses Without Direct Deposit August 2025: Up to $500 FinanceBuzz
For the best checking account offers and banking sign-up bonuses that don’t require direct deposit, consider these offers from TD Bank, Chase, Citi, and more.
Many banks will pay you a sign-up bonus just to open an account and meet requirements, and you don’t always need direct deposit to qualify. Here are some of the best bank bonuses available now and how to qualify for each promotion.
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FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
Earn Up to $300 When You Set Up Direct Deposit Limited-Time Offer: Earn up to a $300 bonus and up to 4.50% APY on Savings (3.80% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href=“https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at <a href=“http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 9/3/25. Rates variable, subject to change. Terms apply at <a href=“https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.3 <p><b style=“font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href=“http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href=“http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p> Learn More How we evaluate products The banks chosen for this list were carefully selected based on many factors, including:
- Wide availability: The banks on this list cater to a large audience, and some options will appeal to those just starting, while others will appeal more to people farther along in their financial journeys. All can be opened online.
- Minimum deposit requirements: Each bank has different minimum requirements for the opening deposit, and this list contains products with low and high requirements to suit many different needs.
- Ongoing requirements: Some banks have long-term requirements, such as maintaining a specific balance or completing a certain number of transactions. These are weighed against the bonuses available to help you make an informed decision about whether the requirements are worth the promotion.
Best bank promotions without direct deposit compared
| Bank account | Bonus amount | Bonus expiration date |
|---|---|---|
| TD Signature Savings and TD Simple Savings | $200 | 10/31/2025 |
| Chase Secure Banking | $100 | 10/15/2025 |
| Citi® Regular Checking | Up to $325 | 10/6/2025 |
| Alliant Credit Union The Ultimate Opportunity Savings Account | $100 | 12/31/2025 |
| Chase Business Complete Checking | Up to $500 | 10/16/2025 |
What are the best bank bonuses?
If you find that you can’t qualify for any of these bonuses or aren’t interested in any of these accounts, be sure to check out the best bank promotions with direct deposit requirements we feel are reasonable and worth trying for.
TD Bank
TD Signature Savings and TD Simple Savings — $200
Expires 10/31/2025
Pros- Multiple account options for promotion
- Opportunity to earn high APY
- Access to in-person branches
Cons- High balance requirement
- Very poor standard APYs
- Monthly fees
Most bank promotions are available for checking accounts, but some banks, like TD Bank, offer them on savings accounts, too. In fact, TD has bonuses for two of its savings accounts. TD Signature Savings and TD Simple Savings require a $10,000 deposit to earn a $200 bonus.
To qualify for the bonus, you must:
- Deposit $10,000+ within 20 days of opening the account.
- Maintain the balance for 90 additional days.
Bonuses are paid out within 180 days of opening an account. It’s worth noting that TD has renewed this offer a few times, but I still don’t recommend waiting if you like what you see and want to sign up.
Both accounts include money-saving features I like to see in a savings account, such as overdraft protection and waived fees for incoming wire transfers.
However, these aren’t free, and they aren’t even especially competitive accounts. You’ll pay $15 for TD Signature Savings and $5 a month for Simple Savings, and the interest rates are really poor unless you’ve got six figures to deposit. Simple Savings earns just 0.02% (as of 04/25/25) APY, and Signature Savings earns a standard rate of 0.01% to 0.05% and bump-rate APY up to 3.25% (as of 04/25/25) with qualifying linked accounts and a balance of at least $100,000. For comparison, some of the best high-yield savings accounts have no minimums and beat this rate.
Good to know TD Bank also offers sign-up bonuses for a couple of its checking accounts, but these typically require direct deposit activity to qualify.
Chase
Secure Banking Checking — $100
Expires 10/15/2025
Pros- 4,700 branches and 15,000 ATMs
- No minimum balance requirements
- The monthly fee is low if you don’t waive it
Cons- No ATM reimbursement
- No paper checks
- Monthly fee
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. You must make 10 qualifying transactions in 60 days to earn the bonus. Qualifying transactions include:
- Transferring funds with Zelle
- Making purchases with your debit card
- Receiving ACH credits
- Using online bill pay
- Using Chase QuickDeposit
To get the bonus, you must:
- Apply for a Chase Secure Banking checking account online or enter your email address to receive a physical coupon and take this to your local Chase branch.
- If approved, make 10 qualifying transactions within 60 days of enrollment.
- Your bonus will appear in your account within 15 days of completing the qualifying activities.
Honestly, this Chase Bank promotion is probably the easiest to qualify for on our list since all you need to do is open an account and make enough qualifying transactions, and multiple types of activity count. But a monthly fee for such a stripped-down bank account is annoying, and the best free checking accounts offer far more ongoing perks than this one will after you’ve earned the bonus.
Why we also recommend Chase Total Checking®
Bonus up to $300 — expires 10/15/2025
This Chase Secure Banking isn’t the only checking account bonus you can qualify for with the bank — or the best.
Chase Total Checking® is an everyday checking account that also routinely includes sign-up bonuses for new customers4 <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $500 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we’ll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> , and it has very low direct deposit requirements compared to other checking offers we’ve seen. Plus, you have a while to meet the minimum.
Right now, you can qualify for a bonus of up to $300 when you receive at least $500 in total direct deposits within 90 days of enrollment. This is even longer than Chase Secure Banking gives you to fulfill bonus requirements, and $500 is one of the lowest deposit minimums we’ve seen for what’s always a strong bonus.
If you can swing some direct deposits, Chase Total Checking could be worth applying for instead. Receiving at least $500 in monthly deposits is also one way to waive the account’s $12 monthly service fee ($15, effective August 24, 2025).
Open an account or read our full Chase Bank review.
Citi®
Citi® Regular Checking — $325
Expires 10/6/2025
Pros- More flexible deposit requirements than most checking offers
- Generous bonus
Cons- Both eligible checking accounts have monthly fees
- High deposit requirement relative to bonus amount
Citi offers a sign-up bonus on its Regular Checking account. Unlike other bank account bonuses with strict direct deposit requirements, this bonus requires Enhanced Direct Deposits. These are broader than typical direct deposits in that they include Zelle and peer-to-peer payments made via ACH transfer through Venmo or PayPal, so it could be an option for you if you don’t fit the requirements for traditional direct deposits (that means you, freelancers).
To qualify for a checking bonus with Citi, you must:
- Be a new checking customer.
- Enroll in the offer.
- Receive at least two Enhanced Direct Deposits equalling $3,000 or more within 90 days.
After you meet the requirements, you should receive your bonus within 30 calendar days.
While we wish this were a free checking account, the Regular Checking account charges a monthly maintenance fee of $15. However, you can waive the fee by qualifying for a Relationship Tier with Citi or receiving at least $250 in Enhanced Direct Deposit transfers each month.
Editor’s note Citi used to offer the same sign-up bonus for its Access Checking account, which we’d argue is a better choice than Regular Checking because it has a $5 monthly maintenance fee, but has since removed this account option from the checking account bonus page.
Alliant Credit Union
Ultimate Opportunity Savings — $100
Expires 12/31/25
Pros- Above-average APY
- Requires only $100 deposit
- Encourages you to save
Cons- Small bonus
- Must become a member
- No in-person branches
If you want help saving, consider the Alliant Ultimate Opportunity Savings Account. 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. You’ll only get paid if you deposit at least $100 in your savings account for 12 consecutive months.
This account also earns a decent 3.10% (as of 12/19/24) APY and has no monthly fees when you enroll in digital statements.
To qualify for the bonus, you must:
- Open a new Ultimate Opportunity Savings Account.
- Transfer your first $100 within 30 days of opening the account.
- Deposit at least $100 per month for 12 consecutive months.
In my opinion, it’s better to start small than not at all, and this account provides a little motivation to keep going. And don’t let the fact that this is a credit union stop you from opening an account. We’ll always recommend Alliant as one of the best credit unions anyone can join because it offers a variety of accounts with few pesky banking fees and great ATM access.
Chase
Business Complete Checking — up to $500
Expires 10/16/2025
Pros- Minimal qualifications for a business account
- Allows you to accept credit card payments
- 4,700 branches and 15,000 ATMs
Cons- Limit on free cash deposits
- Limit on free teller transactions
Having a separate business checking account is crucial if you own a small business. Chase will pay you a $300 or $500 bonus for opening a new Business Complete Checking account and meeting deposit and balance requirements. To earn $300, you must deposit at least $2,000 in new money within 30 days and maintain this balance for at least 60 days. To earn $500, you must deposit and maintain at least $10,000 in new money. For both offers, you’ll also need to complete five qualifying transactions — debit card purchases, ACH transfers, wires, Chase QuickAccept® and QuickDepositSM transactions, and bill pay — within 90 days of offer enrollment.
The monthly service fee is somewhat low for a business bank account at $15, and you can waive the fee by keeping a $2,000 average daily balance or linking another JP Mortgage checking account. The account also includes perks such as:
- Accepting major credit cards with Chase QuickAccept
- Same-day deposits from card payments
- Unlimited ATM transactions
- Up to 20 paper or teller transactions
- Up to $5,000 in no-fee cash deposits per statement cycle
Because of these perks, I recommend this account for small businesses that handle a lot of cash transactions, and it’s not a bad option for businesses that rely on POS systems (like retailers and service businesses).
To get the bonus, you must:
- Deposit and maintain a $2,000 (for $300 bonus) or $10,000 (for $500 bonus) balance for 60 days.
- Complete five transactions, including debit card purchases, accepting credit card payments using Chase QuickAccept, ACH credits, wires, or using Chase Online Bill Pay, within 90 days of offer enrollment.
- Your bonus will appear in your account within 15 days of completing the qualifying activities.
How to choose the best bank promotions without direct deposit
It’s never a good idea to open any type of financial account — whether that’s a bank account, a credit card, or something else — just to get a bonus. You should always consider the ongoing perks and benefits of an account and make sure these align with your long-term goals (not just your short-term goal of getting a bit of extra money, tempting as this can be).
When trying to find the best bank bonuses that don’t require direct deposit, there are several important factors to consider. These include:
- Size of the bonus
- Minimum opening deposit required for the new bank account
- The minimum balance required to receive a bonus
- How long you must maintain the minimum balance
- Whether there’s a monthly maintenance fee
- When you receive the bonus
- The type of account (checking, savings, money market account, etc.)
- Whether the account pays interest and the annual percentage yield (APY) if it does
- Whether there are other qualifying activities you need to complete, like a certain number of debit card transactions
- How you’ll be able to bank moving forward (in person, online, mobile app, etc.)
Most bank promotions without a direct deposit requirement are only offered on new accounts for money that’s new to that bank. For example, you won’t receive a bonus if you use funds from a TD Bank checking account to open a new TD Bank savings account. Existing customers usually aren’t eligible.
Be sure to read the fine print of any bonus and note any enrollment requirements, like presenting a coupon or code to qualify.
Tip If you’re looking for other ways to earn more for your personal finance goals, many credit cards also have welcome offers. Like bank bonuses, you must typically meet eligibility requirements, such as a minimum spending amount in a certain time.
The best banking sign-up bonuses with direct deposit requirements
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. They’re also much easier to find. So if you can qualify for these, I recommend trying for them.
The following accounts have some of the most appealing and consistently competitive checking account sign-up bonuses:
| Checking account | Bonus amount | Bonus expiration date |
|---|---|---|
| SoFi Checking and Savings | Up to $300 1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href=“https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at <a href=“http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> | 01/31/2026 |
| U.S. Bank Smartly® Checking | Up to $450 | 09/16/2025 |
5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit Limited-Time Offer: Earn up to a $300 bonus and up to 4.50% APY on Savings (3.80% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href=“https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at <a href=“http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 9/3/25. Rates variable, subject to change. Terms apply at <a href=“https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.3 <p><b style=“font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href=“http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href=“http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p> Learn More4.3 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.
2025 award winnerBest for Bonuses
Earn up to $450 When you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through September 16, 2025. Member FDIC. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint. Open Account
FAQs
Which bank has the best promotion?
Bank promotions are constantly changing, and it’s best to consider more than the bonus amount. For example, if a bonus requires you to have a qualifying direct deposit and you don’t get paid that way, it’s not a good fit. Consider the amount of the bonus as well as the requirements to find the best promotion for you.
How do you get free money from a bank?
The best way to get free money from a bank is to take advantage of a promotion that pays you to open a new account. Most bank promotions like this also require you to maintain a certain balance or conduct a certain number of transactions.
How do you get paid without direct deposit?
There are several ways that you can get paid without direct deposit. You can receive your payment the old-school way of getting a paper check, or you can get your money via the following options:
- Cash
- PayPal
- Automated Clearing House (ACH) transfer
- Mobile wallets like Venmo or Apple Pay
- Prepaid payroll card
Do any banks pay you to open an account instantly?
Unfortunately, we haven’t found any bank promotions that pay you to open an account instantly. There are always requirements you have to meet to qualify for a bonus, and there’s typically a length of time — often between 30 and 120 days — that you have to meet these requirements. If you meet the requirements early, you still won’t get paid instantly, because banks usually take at least 30 or 60 days after you qualify to issue bonuses.
Bank promotions are constantly changing, and it’s best to consider more than the bonus amount. For example, if a bonus requires you to have a qualifying direct deposit and you don’t get paid that way, it’s not a good fit. Consider the amount of the bonus as well as the requirements to find the best promotion for you.
The best way to get free money from a bank is to take advantage of a promotion that pays you to open a new account. Most bank promotions like this also require you to maintain a certain balance or conduct a certain number of transactions.
There are several ways that you can get paid without direct deposit. You can receive your payment the old-school way of getting a paper check, or you can get your money via the following options:
- Cash
- PayPal
- Automated Clearing House (ACH) transfer
- Mobile wallets like Venmo or Apple Pay
- Prepaid payroll card
Unfortunately, we haven’t found any bank promotions that pay you to open an account instantly. There are always requirements you have to meet to qualify for a bonus, and there’s typically a length of time — often between 30 and 120 days — that you have to meet these requirements. If you meet the requirements early, you still won’t get paid instantly, because banks usually take at least 30 or 60 days after you qualify to issue bonuses.
Other ways to get cash from a bank
Bank bonuses are a great way to get “free money” from a bank, but if you don’t want to jump through hoops and scramble to meet requirements after signing up for a new account, consider accounts that offer ongoing rewards. The Discover® Cashback Debit account is one of our favorites because it’s easy to earn no matter how you use it. And unlike many bank accounts with promotions, it doesn’t have high monthly fees that’ll kick in if you drop below a balance minimum or activity threshold.
Discover Cashback Debit is a free online checking account from Discover (which you probably know for its many credit cards). The account includes a debit card that pays 1.00% back on up to $3,000 in monthly spending— $30 a month and $360 a year — without balance minimums or direct deposit requirements.
This is better than a one-time bonus because you’ll keep getting paid. The account has no fees, offers early paychecks, and provides free access to 60,000+ ATMs.
Read our full Discover Checking Review.
*Details about Discover® Cashback Debit have been collected by FinanceBuzz editors. This information is accurate as of the date of the review and was not reviewed or approved by the issuer. FinanceBuzz does not receive commission for this product.
Bottom line
Not using direct deposit doesn’t exclude you from all promotions where you can earn bonus money by opening a new account. Several institutions provide promotions to customers without this requirement, including HSBC, TD Bank, Chase, and Alliant.
That said, there are other considerations to keep in mind when choosing a bank. Monthly service fees and other fees, ATM access, interest rates, and more should also factor into your decision. As a rule, no account is worth opening just for a bonus.
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- Do you owe the IRS >$10K? Ask this company to help you eliminate your late tax debt.
- 12 legit ways to earn extra cash.
- Learn how to escape the paycheck-to-paycheck grind
Reach Your Savings Goals Faster 5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
SoFi Checking and Savings Benefits - Limited-Time Offer: Earn up to a $300 bonus and up to 4.50% APY on Savings (3.80% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href=“https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at <a href=“http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 9/3/25. Rates variable, subject to change. Terms apply at <a href=“https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
- No account, overdraft, or monthly fees5 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href=“http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
- Get your paycheck up to two days early6 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
- Access additional FDIC insurance up to $3 million3 <p><b style=“font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href=“http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href=“http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
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chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
FAQ
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
Do you have to set up direct deposit with Chime to get referral bonus?
To qualify for the Chime Referral Program bonus, you must receive a single qualifying direct deposit of $200 or more within the first 45 days of creating a Chime checking account using a referral link.
Do you really get $100 from Chime with the referral?
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
The $100 bonus that Chime offers is from the Standard Referral Program. You can invite a friend to join Chime using your referral link. If they meet the requirements, your friend will get $100 and you can get up to $200, depending on the current offer.
How to get $25 from Chime?
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
You don’t need direct deposit. It’s not required. You can accept money by either cash or check. If it’s cash, take it to Walgreens and they’ll put it into your Chime account for free.16 thg 7, 2024
Get Chime Without Direct Deposit? Yes – Heres How!
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Yes, you can totally get a Chime account without direct deposit—it’s super easy and free to sign up! No minimum deposit needed, so you can open a Checking or Savings Account right from their app in minutes.chime+1 Chime lets you fund your account other ways, like cash deposits at Walgreens (up to $1,000 per day) or mobile check deposits from your phone. Reddit users share stories of using it for months just with these—no paycheck required.
How do you get $500 from Chime?
chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
We currently offer a referral bonus every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more!* Your friend must enroll and receive a single qualifying direct deposit of $200.00 or more within 45 days of opening their new account.
Chime Referral Bonus Explained: Eligibility Timing and Common Conditions
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
Many people search for information about the Chime referral bonus after seeing different bonus amounts mentioned online. Some users report receiving $100 or more, while others are unsure whether the bonus requires direct deposit or how long it actually takes to arrive. This FAQ focuses on explaining how the referral system generally works and what most users experience in practice. How do you get a referral bonus from Chime? In most cases, the referral bonus is triggered when a new user signs up through a referral invitation and completes specific qualifying steps.
How Fast Does Chime Give You Money? Get Paid Up to 2 Days Early!
chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
Chime gives you access to your paycheck up to two days early when you set up direct deposit. For example, if your employer schedules payday for Friday, you could see your money in your Chime account as early as Wednesday. Chime makes funds available the same day it receives the payment file from your payroll provider, which often happens by 9:00 a.m. EST on payday. This means you’re not waiting for traditional bank processing times that can add extra days to when you actually get your money.
Get $100? How Chime Referral Bonuses Work
Chime does give a referral bonus when a new member signs up with an existing member’s referral link and completes a qualifying direct deposit; the common requirement is a single direct deposit of at least $200 within 45 days, and both the referrer and the new member receive the advertised cash reward (amounts vary by promotion). To qualify, the referred person must register using the referrer’s link and receive a qualifying ACH direct deposit (for example, a $1,200 payroll deposit or a $500 government benefit payment) into the new Chime account within 45 days of opening; bank-to-bank transfers and transfers from apps like Venmo or PayPal typically do not count.
- chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
chime referral bonus,chime referral bonus without direct deposit,how long does it take to get chime referral bonus
Find out how to refer your friends and family to Chime to earn cash and rewards. Maximize your rewards with Chime’s referral program
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