Bank bonuses without a payroll direct-deposit requirement.
Some public business checking promotions use new-money deposits, maintained balances, and qualifying transactions instead of payroll. That removes one constraint but can tie up more cash.
Current verified examples
| Offer | Advertised bonus | Core requirement | Fee | Verified |
|---|---|---|---|---|
| Chase Business Complete Checking®Chase | Up to $500 | Open a new qualifying account, deposit the tier's required new money within 30 days of enrollment, maintain that balance for 60 days from enrollment, and complete five qualifying transactions within 90 days. | $15 | July 30, 2026 |
| Wells Fargo $400 vs. $550 vs. $825: Which Tier Delivers the Highest Actual Return?Wells Fargo | Up to $825 | Open a new eligible Wells Fargo business checking account through the promotion by September 8, 2026, reach the selected balance tier by Day 30, maintain that balance through Day 60, and complete at least five qualifying posted transactions during the 60-day qualification period. | $15 for Initiate Business Checking | August 1, 2026 |
What “without direct deposit” does not mean
It does not mean “no work” or “no funding.” Confirm the required new-money amount, the deposit deadline, the minimum holding period, required transactions, account fees, and new-customer rules.
When this structure may fit
It may suit a business that has idle operating cash but cannot reroute payroll. It may not suit a business that needs the deposited cash for near-term expenses or would incur fees while waiting for the bonus.
Offer availability and qualification remain subject to the institution’s current terms.