Bank of America Business Checking: Up to a $750 bonus no direct deposit required

Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more. In contrast, when you withdraw early from a regular CD, you pay at least several months’ of interest earned. Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Online banks often offer high-yield savings accounts with rates averaging between 3.50% and 4.50%. All data is up to date as of Jan. 22, 2026, rates and fees subject to change.

Why do banks charge monthly maintenance fees?

See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/ Annual percentage yield (APY) is variable and subject to change at any time. We rank the best free savings accounts based on APY first, followed by other factors like required balance to earn that APY. To expand your search with even more options, check out our full daily ranking of the nation’s best high-yield savings accounts. GO2bank offers a free online checking account with no minimum deposit, no monthly fees (with eligible direct deposits), and no overdraft fees up to $200. With no monthly fees and no minimum balance requirements, Found provides simple, low-cost banking tailored to people running their own business. That means you’ll pay three months of Stash’s $3 subscription fee — a total of $9.

Learn more about Chase Secure Banking by reading our frequently asked questions:

• Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services.
• TAB Bank offers a savings account with a high APY with no opening deposit requirements and no monthly fees.
• Because Greenlight is designed for families, you’ll need to create at least one child account to get started.
• Learn more about the top reasons to open a bank account.
• Some banks waive monthly fees if you use your debit card a certain number of times per month.
• Focus on finding an account that offers a competitive APY alongside no monthly fees or balance requirements.

See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.

Waive monthly maintenance fees

If you deposit a total of $15,000 within the first 30 days and maintain the same $15,000 balance between days 30 and 91, you get $750. Deposit a total of $5,000 into the account within the first 30 days, maintain a minimum balance of $5,000 between day 30 and day 91 from account opening, and you get $400. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.

• Before opening an account, compare features like mobile banking tools, customer support, and potential fees to find the best fit.
• Deposit a total of $5,000 into the account within the first 30 days, maintain a minimum balance of $5,000 between day 30 and day 91 from account opening, and you get $400.
• 3 New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods.
• We may receive compensation from our partners for placement of their products or services.
• A deposit is money added to a bank account, for safekeeping or to earn interest.
• The top free savings account rates in the U.S. are listed below in order of annual percentage yield (APY).
• When more than one institution offers the same rate, we’ve listed the accounts with the smallest minimum required balance to earn that APY first; after that, any ties are listed alphabetically.

Before sharing sensitive information, make sure you’re on a federal government site. For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500. And with My MakingCents, you’ll feel inspired by your accomplishments, motivated to meet your goals, and ready to master your next mission. You get to choose the features that help you map your next money moves.

How much does direct deposit cost?

Texas Capital Bank has big-bank security options, but the feel of a regional institution. In addition, you’ll find great rates on CDs, as well as low minimum requirement on its money market account. Capital One offers fee-free checking and savings accounts, competitive interest rates and access to over 70,000 fee-free ATMs nationwide. Bask Bank is ideal for those looking to park their savings in CDs or a high-yield savings account. Ally Bank is a full service bank with options for checking, savings and certificates https://grattiano.casino/ of deposit (CDs). Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks.

Because Greenlight is designed for families, you’ll need to create at least one child account to get started. New users get a 30-day free trial before the first monthly fee applies. Plans range from $5.99/month for the core banking and budgeting features up to $19.98/month for the plan with investing tools and additional protections. The bonus is typically credited within three business days after meeting these requirements. To qualify, you’ll need to pay at least one monthly subscription fee and use the platform for 35 days. While Cash App isn’t a bank, it partners with FDIC-insured institutions like Sutton Bank and Wells Fargo Bank, N.A., to hold funds.
We’ve tracked down some of the best bank account bonuses with no direct deposit requirements. Your money goes further when you’re not paying monthly service fees,Footnote ATM feesFootnote or non-sufficient funds fees. Just make sure that you leave the required deposit amount in over the next two months, because if your balance goes below that, even briefly, you’ll lose the bonus. For more account options, compare our best checking accounts and best high-yield savings accounts. You can cash a check online instantly without Ingo or a bank account, but you’ll need somewhere to deposit the funds. Chase Secure Banking has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2019.

Wells Fargo

While cash accounts aren’t quite the same as a high-yield savings account, they function similarly. It’s worth noting that UFB changes the names and details of its savings accounts more than other banks, but it always offers some version of a high-yield savings account that’s always competitive. The UFB Portfolio Savings account stood out in our research of the best high-yield savings accounts without minimums for a few reasons, not the least of which is its impressive earning rate. If you don’t have direct deposit and won’t be able to deposit at least $5,000 per month manually, consider other options on this list. SoFi Checking and Savings is a joint account that earns interest on your checking and savings balances, and it stood out in our research because you can earn interest on all your money. Sometimes, even the best HYSAs sneak in direct deposit requirements and extra rules.
A deposit is money added to a bank account, for safekeeping or to earn interest. Always review the fee schedule before signing up to understand the total cost. Albert charges no interest and no monthly fees on its cash advances. Albert offers advances up to $1,000 with no interest and no monthly fees, while Tilt provides $10 to $400 advances with no direct deposit minimums and a $8 monthly fee. It analyzes your bank account activity to determine eligibility and can advance up to $250 with no interest charges. This makes it a strong choice for people exploring fast ways to earn cash alongside small advance options.
Factors (1) and (2) were weighted 0.5 times, factors (3) and (4) weighed 1.5 times, factor (5) weighed 3 times. All factors were then scored and combined, with the lowest score being the best. For those who want competitive rates on CDs and high-yield savings account it is a good option.
The app analyzes your bank account activity and offers advances up to $250 based on spending and income patterns rather than payroll deposits. A recent 1FirstCashAdvance report highlights how a growing number of apps now approve advances based on bank account history alone, skipping the traditional payroll requirement entirely. Look for an FDIC-insured account that offers the features you’ll need to manage your money effectively.