Deposit Diary Daily #411
Nationally Available Bank Bonuses With No Direct Deposit, July 7, 2025
Nationally Available Bank Bonuses
While there are several competitive bonuses (checking and savings accounts) available, the number of good bonuses without a direct deposit requirement are limited.
The long-running “no DD” bonuses offered by Capital One, Chase, Citi, Discover, and Alliant Credit Union continue to be available without any changes. (N.B., the Citi checking bonus is scheduled to expire on July 7, 2025, but it may be extended.)
Raisin has restructured its bonus offer and now offers $75 for deposits totaling $10k+, $250 for deposits totaling $25k+, or $500 for deposits totaling $50k+ within 14 days of the first deposit. This offer is scheduled to end on July 31, 2025.
Capital One 360 Performance Savings Bonus ($300, $750, $1,500)
$300 bonus requires $20,000-$49,999.99 deposit
$750 bonus requires $50,000-$99,999.99 deposit
$1,500 bonus requires $100,000+ deposit
How to Earn the Bonus:
Open a new 360 Performance Savings account using promo code BONUS1500.
Deposit a total of at least $20k of new money during the 15-day Initial Funding Period.
Maintain the required deposit for 90 days following the 15-day Initial Funding Period.
Bonus will be deposited in your new account within 60 days following the 15-day Initial Funding Period and the subsequent 90 day. Translation: bonus pay-date will be anywhere between 106 days and 166 days following account opening.
Who is Eligible?
If you have or had an open Capital One savings account (excluding CDs) and/or money market account as a primary or secondary holder on or after January 1, 2022, you are not eligible for the bonus.
If your account is in default, suspended, closed, or not in good standing, you will not receive the bonus.
Is the Bonus Worth It?
The Capital One 360 Performance Savings account rate is currently 3.50% APY .
Earning $300 in 3 months in a 360 Performance Savings account would require a balance of approximately $34,800.
Earning $750 in 3 months in a 360 Performance Savings account would require a balance of approximately $86,900.
Earning $1,500 in 3 months in a 360 Performance Savings account would require a balance of approximately $173,600.
Chase SavingsSM Bonus ($200)
How to Earn the Bonus:
Open a new Chase SavingsSM account (0.01% APY on all balances).
Deposit a total of $15,000 or more in new money within 30 days of coupon enrollment.
Maintain a $15,000 balance for 90 days from coupon enrollment.
After completing all the above requirements, the $200 bonus will be deposited in your new account within 15 days.
Offer expires on October 15, 2025.
Promotion Details:
Savings offer is not available to existing Chase savings customers.
Not available to 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 savings 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.
Is the Bonus Worth It?
Earning $200 in 90 days on a $15,000 balance would require an approximate 5.45% APY.
CIT Bank eChecking Bonus ($50 or $100)
$50 bonus requires deposit(s) of at least $1,000 of new money
$100 bonus requires deposit(s) of at least $2,500 of new money
How to Earn the Bonus:
Open a new eChecking account using Promo Code “EC2025” with a minimum of $100.
Make one or more deposits within the 30-day period after you open a new account or enroll your existing eChecking account.
Only new funds deposited or transferred from outside of CIT Bank count toward bonus eligibility.
Promotion Details:
There is a limit of one eChecking promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.
All customers who qualify for the $50 or $100 bonus offer will receive the bonus in the enrolled eChecking account within 60 days after the 30-day funding period.
Custodial accounts and Trust Accounts are not eligible.
The eChecking account currently earns 0.25% on balances ≥$25k and 0.10% on balances <$25k.
Is the Bonus Worth It?
Earning $50 in an eChecking account (0.25%) in 30 days would require an approximate balance of $240k.
Earning $100 in an eChecking account (0.25%) in 30 days would require an approximate balance of $480k.
Citi® Checking Bonus ($750 or $1,500)
$750 bonus requires $30,000 minimum balance
$1,500 bonus requires $200,000 minimum balance
How to Earn the Bonus:
Open a new eligible checking account and enroll in the cash bonus offer the same day. Offer available through July 7, 2025*.
Deposit new money in your new checking account within 45 days of account opening. The balance on the 45th day will determine the maximum eligible cash bonus.
Maintain the required minimum balance for an additional 45 days from the 46th day.
The cash bonus will be deposited to your open, eligible checking account within 30 calendar days after you complete all required activities.
*N.B. This bonus offer is scheduled end today (July 7) but it may be extended. I will updated this post as necessary later today.
Who is Eligible?
Only new Citi checking customers are eligible for this offer.
Is the Bonus Worth It?
Earning $750 in 3 months in a savings account earning 5.00% APY (current highest online bank rate) would require a balance of approximately $61,100.
Earning $1,500 in 3 months in a savings account earning 5.00% APY (current highest online bank rate) would require a balance of approximately $122,300.
Discover Online Savings Account Bonus
How to Earn the $150 or $200 Bonus:
Use Offer Code SAV425AGT when applying online for your first Discover Online Savings account.
Deposit a total of at least $15,000 to earn a $150 Bonus, or a total of at least $25,000 to earn a $200 Bonus.
Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date.
Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Account must be open when bonus is credited.
Who is Eligible?
Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts.
Eligibility is based on primary account owner.
Is the Bonus Worth It?
The Discover Online Savings account currently earns 3.50% APY.
A $15,000 balance in a Discover Online Savings account would earn about $150 in approximately 3 ½ months.
A $25,000 balance in a Discover Online Savings account would earn about $200 in approximately 2 ¾ months.
Alliant Credit Union Ultimate Opportunity Savings Account Bonus
How to Earn the $100 Bonus:
1. Open a new Ultimate Opportunity Savings Account with a minimum $100 initial deposit through December 31, 2025.
2. Deposit at least $100 a month for 12 consecutive months. Initial $100 deposit must be made within 30 days of account opening. Each subsequent month, deposits must post by the last day of the month.
3. At the end of the 12-month term if all requirements have been met, if the balance is at least $1,200 ($100 average daily minimum balance), and the Ultimate Opportunity Savings Account is open and in good standing, $100 bonus will post to your account within four weeks.
Who is Eligible?
Only new Alliant members are eligible for this bonus and are limited to one offer per member. Existing Alliant members, those who are a joint owner on an Alliant savings account, and former Alliant members who closed an Alliant savings account in the past 180 days are not eligible.
Is the Bonus Worth It?
The Ultimate Savings Opportunity account currently earns 3.10% APY on all balances.
Earning $100 in 12-months in a savings account earning 3.10% would require a balance of approximately $3,230.
Raisin Boost Bonus ($75, $250, or $500)
Now through July 31, 2025, Raisin is offering a tiered bonus for new customers. The entire Raisin product line (savings, CDs, and No-Penalty CDs) are eligible for a bonus.
New customers only. Select and fund at least one savings product on the Raisin platform to begin our three-step sign-up process. You must use code BOOST to be eligible to earn bonus cash.
The more you deposit, the more you can earn: $75 for deposits totaling $10,000, $250 for deposits totaling $25,000; or $500 for deposits totaling $50,000 or more within 14 days of your first deposit. Offer ends July 31, 2025.
Maintain your deposits for 90 days from your first deposit date to earn your bonus!
Is the Bonus Worth It?
Earning $500 in 90 days on a $50k balance would required an APY of approximately 4.06%.
One of the most competitive Raisin products is the Sallie Mae Bank 10-month No-Penalty CD, currently earning 4.30% APY. Earning an additional $250 in interest over the 10-month term would require an approximate 5.51% APY.