Nationally Available Bank Bonuses With No Direct Deposit, October 6, 2025
Deposit Diary Daily #504
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 continue to be limited.
The long-running “no DD” bonuses offered by Capital One, Chase (extended through January 21, 2026), Citi, Discover, and Alliant Credit Union continue to be available without any changes.
Barclays is offering a $200 cash bonus for new Barclays Tiered Savings customers now through December 31, 2025.
The Live Oak Bank Personal Savings Bonus has expired.
The current Raisin new customer bonus is scheduled to end on November 30, 2025. The four bonus tiers are based on total deposits “within 14 days of your first deposit.”
$75 for depositing between $10,000 and $24,499
$250 for depositing between $25,000 and $49,999
$500 for depositing between $50,000 and $99,999
$1,000 for depositing $100,000 or more
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 3.40% APY .
Earning $300 in 3 months in a 360 Performance Savings account would require a balance of approximately $35,800.
Earning $750 in 3 months in a 360 Performance Savings account would require a balance of approximately $89,300.
Earning $1,500 in 3 months in a 360 Performance Savings account would require a balance of approximately $178,800.
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 January 21, 2026.
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 October 6, 2025. N.B. CSR hinted that the Checking Bonus will probably be extended.
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.
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 4.60% APY (current highest online bank rate) would require a balance of approximately $66,400.
Earning $1,500 in 3 months in a savings account earning 4.60% APY (current highest online bank rate) would require a balance of approximately $132,600.
Barclays
Barclays is currently offering a $200 cash bonus for new Barclays Tiered Savings customers now through December 31, 2025. The fine print on the landing page reads (in part),
$200 Bonus Offer:
To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings account or CD are not eligible), open an account through 12/31/2025, fund your new Tiered Savings account with at least $30,000 within the first 30 days of opening the account, and maintain the balance of at least $30,000 for 120 consecutive days.
After you maintain the $30,000 balance for 120 consecutive days, the $200 bonus will be added to your account in approximately 60 days.
Offer expires 12/31/2025.
You may make multiple deposits to your account from another financial institution(s) to meet the offer requirements, provided these deposits all occur no later than 30 days after opening the new savings account.
Is the Bonus Worth It?
The Barclays Tiered Savings currently offers rates of 4.10% on balances greater than $250k and 3.90% on balances less than $250k.
$30k balance for 120 consecutive days x 3.90% = $385 interest
$30k balance for 120 days = $200 bonus
$585 ($385 + $200) in 120 days would require 5.97% APY
The $30k minimum balance results in the most competitive rate.
$40k balance = $724 ($524 + $200) = 5.53% APY
$50k balance = $842 ($642 + $200) = 5.14% APY
Discover Online Savings Account Bonus
How to Earn the $150 or $200 Bonus:
Use Offer Code BBRE925 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 3.40% APY.
A $15,000 balance in a Discover Online Savings account would earn $150 in approximately 3 ½ months.
A $25,000 balance in a Discover Online Savings account would earn $200 in approximately 3 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, $500, or $1,000)
Now through November 30, 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 EASY to be eligible to earn bonus cash.
The more you deposit, the more you can earn: $75 for depositing between $10,000 and $24,499; $250 for depositing between $25,000 and $49,999; $500 for depositing between $50,000 and $99,999; and $1,000 for depositing $100,000 or more within 14 days of your first deposit. Offer ends November 30, 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%.
HealthcareBank Raisin Money Market Deposit Account (MMDA) is currently offering a promo 4.36% APY that is guaranteed for 60 days:
$50k x 4.36% APY = $375 in 60 days
Although unlikely, the best case scenario would have the 4.36% APY continue for 30 days after the 60-day promo period:
$50k x 4.36% APY = $537 in 90 days
$50k balance for 90 days = $500 bonus
$1,037 ($537 + $500) in 90 days would require 8.56% APY
The next-best case scenario would have the HealthcareBank MMDA rate return to its pre-promo level:
$50k x 4.36% APY = $357 in 60 days
$50k x 4.15% APY = $170 in 30 days
$50k balance for 90 days = $500 bonus
$1,027 ($357 + $170 + $500) in 90 days would require 8.48% APY
(all rates and dollar amounts are approximate)
What does N. B. mean? I see it being used on DQ but can't find what it stands for.