HSBC Premier Checking
CheckingYou get
Up to $3,000
You need to
Add $50,000+ of new money in 30 days and keep it 3 months
Open by Dec 31, 2026
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Bank bonuses with no direct deposit
Last updated Nov 6, 2026Most bank bonuses ask you to send your paycheck to the new account. These 8 do not. You move in money you already have, keep it there, and get the cash.
You get
Up to $1,500
You need to
Put in $20,000+ of new money in 15 days and keep it 90 days
No end date listed
moomoo Brokerage Account
BrokerageYou get
Up to $1,000 in stock
You need to
Deposit $500 to $100,000 from Nov 1 to Nov 30, 2026
Deposit must settle by Nov 30, 2026
Quorum FCU HighMarq Savings
SavingsYou get
Up to $1,000
You need to
Put in $25,000+ of new money in 15 days and keep it 180 days
No end date listed
You get
$600
You need to
Put in $25,000+ of new money in 90 days
Open by Jan 15, 2027
Barclays Tiered Savings
SavingsYou get
$200
You need to
Deposit $25,000 in 30 days and keep it 120 days
Open by Jan 31, 2027
E*TRADE Premium Savings
SavingsYou get
$200
You need to
Move $20,000+ of new money in 30 days
Open by Nov 30, 2026
TD Signature Savings
SavingsYou get
$200
You need to
Put in $10,000+ in 20 days
Ends Nov 30, 2026
Side by side
| Offer | You get | You need to | How long to wait | Ends | Bank page |
|---|---|---|---|---|---|
| HSBC Premier Checking | Up to $3,000 | Add $50,000+ of new money in 30 days and keep it 3 months | Bonus paid within 8 weeks after you qualify | Open by Dec 31, 2026 | Bank offer page Checked Oct 27, 2026 |
| Capital One 360 Performance Savings | Up to $1,500 | Put in $20,000+ of new money in 15 days and keep it 90 days | Bonus paid within 60 days after the 90 days end | No end date listed | Bank offer page Checked Oct 27, 2026 |
| moomoo Brokerage Account | Up to $1,000 in stock | Deposit $500 to $100,000 from Nov 1 to Nov 30, 2026 | Keep average assets at the tier amount for 60 days to unlock the stock. The $50,000 tier needs 120 days and the $100,000 tier needs 180 days for the top part | Deposit must settle by Nov 30, 2026 | Bank offer page Checked Nov 4, 2026 |
| Quorum FCU HighMarq Savings | Up to $1,000 | Put in $25,000+ of new money in 15 days and keep it 180 days | Keep the balance for 180 days. Bonus credited within 30 days per the offer page | No end date listed | Bank offer page Checked Nov 2, 2026 |
| Huntington Platinum Perks Checking | $600 | Put in $25,000+ of new money in 90 days | Keep account open 90 days | Open by Jan 15, 2027 | Bank offer page Checked Oct 27, 2026 |
| Barclays Tiered Savings | $200 | Deposit $25,000 in 30 days and keep it 120 days | Keep the $25,000 balance for 120 consecutive days. The bonus is added about 60 days after that | Open by Jan 31, 2027 | Bank offer page Checked Nov 6, 2026 |
| E*TRADE Premium Savings | $200 | Move $20,000+ of new money in 30 days | Keep the balance 45 more days after the 30 day funding window | Open by Nov 30, 2026 | Bank offer page Checked Nov 4, 2026 |
| TD Signature Savings | $200 | Put in $10,000+ in 20 days | Keep $10,000+ for 90 more days after day 20; bonus paid by 180 days | Ends Nov 30, 2026 | Bank offer page Checked Oct 27, 2026 |
How these bonuses work
Instead of a direct deposit, the bank asks for new money: cash that was not at that bank before. You move it in by a set date, keep the balance for a set time, and the bank pays the bonus after that.
The smallest deposit here is for moomoo Brokerage Account: deposit $500 to $100,000 from Nov 1 to Nov 30, 2026. The biggest bonuses need much more money parked for months.
Your money may earn less interest while it sits there. Compare the bonus with what the same money would earn in your current savings.
Quorum FCU HighMarq Savings, Huntington Platinum Perks Checking, Barclays Tiered Savings and TD Signature Savings are only open in some states. See each offer's details for where you can get it.
Before you open one
- Read the bank's offer page. Terms can change any day.
- Look at the monthly fee and how to avoid it.
- Do not move money you may need before the hold period ends.
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