Yes. Savings deposits or debit purchases can replace payroll.
The 2 current options below do not require a qualifying paycheck. The listed savings offers use outside new money plus a balance-maintenance test. Capital One 360 Checking has an alternative DEBIT250 path based on debit-card purchases; it is a choice instead of its CHECKING250 direct-deposit path, not a second bonus to stack.
For savings, compare outside funding, the hold, fees and forgone interest. For the debit path, confirm the promo code, eligible purchase types and the 75-day transaction clock.
Current reviewed bank bonuses without direct deposit.
Every row is generated from the same publication-gated offer record as its detailed guide. Read the linked steps and the live issuer terms before opening an account.
| Current reviewed offer | Cash reward | What replaces direct deposit | Ongoing fee | Offer deadline |
|---|---|---|---|---|
| Chase Savings℠Reviewed 2026-09-15 | $200 maximum cash bonus | $10,000 new money for $200 · Fund 30d · hold 90d | $5/mo · waivable | Enroll by Oct 14, 2026 |
| Capital One 360 Checking · DEBIT250Reviewed 2026-09-14 | $250 cash bonus | 20 eligible debit purchases over $10 · First 75 days | $0 monthly fee | A public end date is not stated; confirm the current DEBIT250 offer before opening |
Choose the activity you can complete.
Savings: measure the cost of holding the balance.
A savings bonus can lose value through monthly fees or interest you would have earned elsewhere. Chase Savings uses an outside-new-money balance threshold. A repeating transfer from personal Chase checking can separately waive its monthly fee, but money already at Chase or its affiliates does not qualify as new money for the bonus. Other savings promotions may exist, but we list them only after their current issuer terms pass our publication review. Rates are variable or offer-specific, so enter the live rates in the bank bonus value calculator.
Check before moving money
- Whether the funds are new to the issuer and its affiliates
- The funding deadline and the date the balance is measured
- Daily balance versus average daily balance
- How withdrawals and account fees affect the threshold
- The payout window after the hold ends
Do not assume
- A self-transfer is always excluded; the listed savings offers expressly allow outside-bank money
- Touching the required balance once completes the offer
- A promotional APY and cash bonus have identical eligibility rules
- No monthly fee means no other charges
- An account-opening approval confirms bonus eligibility
Checking: choose one Capital One bonus path.
DEBIT250 uses 20 qualifying debit purchases during the first 75 days rather than payroll. Capital One says the debit and direct-deposit codes cannot be combined on one account. Its headline says each purchase is $10 or more, while the detailed definition says above $10. Plan ordinary card purchases strictly greater than $10 and do not count ATM, Zelle/Venmo, ACH or PIN-based cash withdrawal activity. Read the full debit rules and exclusions →
Qualify from the written sequence.
For the savings promotions
- Open through the exact promotion and save its code, page, and complete terms.
- Confirm that your prior account and bonus history passes the eligibility language.
- Identify which outside accounts can supply qualifying new money.
- Record the funding deadline and transfer early enough for funds to post.
- Keep a cushion above the required balance through the entire maintenance test.
- Track fees, withdrawals, and credited interest that can change the measured balance.
- Keep the account open and eligible through the full payout window.
For the DEBIT250 checking promotion
- Choose DEBIT250 before opening; save the accepted code and full terms. Do not expect a second CHECKING250 payout.
- Confirm every applicant passes the named-account primary/secondary-holder lookback.
- Fund the new checking account within 60 days of opening so it does not automatically close. No minimum balance is stated for the bonus.
- Use the new account’s debit card for at least 20 ordinary eligible in-person or online purchases strictly above $10 during the first 75 days.
- Reconcile the qualifying purchases against Capital One’s records. Exclude ATM, peer-to-peer, ACH, fraud and PIN-based cash withdrawals.
- Keep the account open and in good standing while Capital One assesses and pays the bonus, potentially through day 135.
Use the private bank bonus tracker to estimate dates, then keep issuer confirmations and transaction records in your own secure files.
Common questions
Can I transfer the money from another bank?
The listed savings promotions permit qualifying money from outside the issuer and its affiliates. Definitions differ, so read each detailed guide before choosing the source account. A transfer is not a DEBIT250 purchase.
Do I need a paycheck for these offers?
The listed savings offers use new-money deposits and maintenance periods. Capital One DEBIT250 uses eligible debit purchases. None of these paths requires a qualifying payroll direct deposit.
Does DEBIT250 require any account funding?
Yes. Capital One says a new 360 Checking account that is not funded within 60 days automatically closes. It states no minimum balance is needed for this bonus; the 20 qualifying debit purchases have their own 75-day clock.
Can I use both Capital One promo codes?
No. Capital One accepts one promotional code per new 360 Checking account and says account-opening offers cannot be combined. Choose DEBIT250 or CHECKING250 before opening.
Does exactly $10 count for DEBIT250?
The issuer page gives conflicting wording: a $10-or-more headline and an above-$10 detailed definition. Do not plan on exactly $10 purchases qualifying; use eligible purchases strictly above $10 and ask Capital One about uncertain transactions.
Can I withdraw the savings deposit after it arrives?
Withdrawing during the savings maintenance period can reduce or eliminate the reward. Chase requires the selected tier to remain through day 90.
Which offer is better?
That depends on the cash you can leave available, ordinary debit purchases you expect to make, forgone interest, account fees, eligibility and the exact deadline. BonusField does not rank one as universally best.
Are these bonuses taxable?
The issuer pages state that the cash bonuses are reported on Form 1099-INT when applicable. See the bank bonus tax guide for general recordkeeping information.
Official sources
The issuer pages control the offer facts and can change before BonusField’s next review.
Published by BonusField. Corrections: hello@bonusfield.com. Do not email statements, account numbers, transfer records, or identity documents.