Battle Map · updated 2026-10-24 · 4 verified bank bonuses

Bank bonuses with no direct deposit required

Cash bonuses you can earn by moving money in, no paycheck switch needed. Top right now: HSBC, you keep $3,000.

Sort: Most dollars kept · Biggest headline bonus

#	Bank · account	You keep	What it takes	Money must stay	Monthly fee & how to avoid it	Credit pull	States	Status
1	HSBC Premier Checking	+$3,000 on $500,000 over 120 days* $3,000 max bonus · ~1.8% annualized	$50,000 new money Tiers: $1,000 at $50,000, $1,500 at $100,000, $2,000 at $250,000, $3,000 at $500,000	about 120 days	$50/mo unless Premier criteria met (e.g. $100,000 combined balances); we subtract 4 months below $100k	soft †	Nationwide	Ends 2026-12-31
2	*ETRADE (Morgan Stanley Private Bank)** Premium Savings Account	+$1,673 on $100,000 over 75 days* $800 max bonus · ~8.1% annualized	$20,000 new money Tiers: $400 at $20,000, $800 at $100,000	about 75 days	No monthly fee	Unknown	Nationwide	Ends 2027-01-10
3	Chase Chase Savings	+$200 on $15,000 over 90 days* $200 max bonus · ~5.4% annualized	$15,000 new money	about 90 days	$5/mo, waived with $300+ daily balance	soft †	Nationwide	Ends 2027-01-27
4	Barclays Tiered Savings	+$200 on $25,000 over 150 days* $200 max bonus · ~1.9% annualized	$25,000	about 150 days	No monthly fees	Unknown	Nationwide	Ends in 7 days

* You keep = top bonus + interest earned − est. fees, on the top tier's required balance (or $10,000 for direct-deposit offers) over the hold period. The grey annualized figure is for reference only. † Credit pull is from public Doctor of Credit data points, not the bank. Bonuses are taxable (usually a 1099-INT). Banks can end offers early: confirm on the bank's page.

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Bank bonuses with no direct deposit required

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