Get the best bank bonus now without a direct deposit

Banks and customers benefit when bank bonuses are offered. Find out how to get the best bank bonus now without a direct deposit requirement.
best-bank-bonus-now-without a direct-deposit-requirement

Get the best bank bonus now without a direct deposit requirement. One way banks compete for new customers is to offer a bonus to open a new checking or savings account.

It's a great practice for banks as well as customers who want free money to fund new checking accounts.

However, many bank bonus offers require setting up a direct deposit to qualify for the bonus or require a large opening deposit. Some people prefer to receive a paper paycheck or a large deposit requirement may not fit everyone's budget.

But you don't have to be left out of free money offers by banks. Find a bank bonus offer below that doesn't require a ddirect deposit or a large deposit.

Best bank bonus now without a direct deposit requirement

Best-bank-bonus-now-without-a-direct-deposit-requirement

1. Aspiration Spend & Save Account – $150 Bonus.

The Aspiration Spend & Save Account offers a $150 sign-up bonus without a direct deposit requirement. The Spend & Save Account is similar to a checking account that earns interest, has no monthly fees, and offers cashback on purchases made with your debit card.

Follow these 3 easy steps to get a $150 bonus added to your new Aspiration Spend & Save account:

  • Open your Aspiration Spend & Save Account with at least $10.
  • Use your Aspiration debit card to make at least $1,000 of cumulative transactions within the first 60 days of opening your account. The purchase requirement can be easily achieved simply by using your debit card for everyday purchases and bills like groceries, gas, utilities.
  • Once you’ve met the requirements, you’ll receive the money in the form of a statement credit within 120 days of account opening.

What Does the Aspiration Spend & Save Account Offer?

  • Unlimited fee-free withdrawals at over 55,000 Allpoint ATMs.
  • No monthly Service Fee.
  • Get paid up to 2 days early if you have direct deposit.
  • Digital debit card access while you wait for your physical card to be mailed.
  • Up to 10% cashback on debit card purchases from the Spend part of the account.
  • Earn 0.25% APY on the first $10,000 in the Save part of the account, and then 0.10% APY on any funds over $10,000.
  • Choose your own monthly fee.
  • Cell phone protection.
  • Identity fraud expense reimbursement.

2. Aspiration Spend & Save Plus Account – $200 Bonus

The Aspiration Spend & Save Plus Account offers a $200 sign-up bonus without a direct deposit requirement. The Spend & Save Account is similar to a checking account that earns interest, offers cashback on purchases made with your debit card, and has a $7.95 monthly service fee or $71.88 annually.

Follow these 3 easy steps to get a $200 bonus added to your new Aspiration Spend & Save Plus account:

  • Open your Aspiration Spend & Save Account with at least $10.
  • Make at least $1,000 in cumulative eligible debit card purchases within the first 60 days. Receive your $200 bonus in your account within 120 days.
  • Once you’ve met the requirements, you’ll receive the money in the form of a statement credit within 120 days of account opening.

What Does the Aspiration Spend & Save Plus Account Offer?

  • Unlimited fee-free withdrawals at over 55,000 Allpoint ATMs.
  • No monthly Service Fee.
  • Get paid up to 2 days early if you have direct deposit.
  • Digital debit card access while you wait for your physical card to be mailed.
  • Up to 10% cashback on debit card purchases from the Spend part of the account.
  • Earn 0.25% APY on the first $10,000 in the Save part of the account, and then 0.10% APY on any funds over $10,000.
  • Choose your own monthly fee.
  • Cell phone protection.
  • Identity fraud expense reimbursement.
  • FDIC insurance for up to $2.46 million

Aspiration bank reviews

Aspiration offers sustainable and charitable banking. Many banks use profits to fund fossil fuel exploration and production that may cause harm to the climate. Aspiration stands out because it does not use customer deposits to fund any actions that may be harmful to the environment. Instead, Aspiration's Planet Protection feature keeps track of the carbon output of all of your gas purchases to buy offsets to help counter the impact of your carbon footprint on the environment.

Aspiration charitable activities. Aspiration donates ten cents of every dollar of its earnings to charitable activities expanding economic opportunity. For example, one of their partners is Accion U.S. Network, America’s largest provider of micro-loans to struggling American small business owners.

Aspiration investing. Aspiration customers can invest in the Redwood Fund, a fossil-fuel-free fund that invests in companies that engage in sustainable environmental and employee practices. The minimum opening deposit is $10.

Retirement planning. If you’re planning to save for retirement, there’s also a Redwood Individual Retirement Account (IRA) that provides the same sustainable investment options. The minimum initial deposit is $10 and you can make additional contributions into the account with as little as $1.

Aspiration bank direct deposit

One popular perk is Aspiration direct deposit where you can get early direct deposit if you have direct deposit (or other qualifying inbound ACH transfers) set up with your Aspiration account. Receive your paycheck or other inbound ACH transfer up to two days early.

Aspiration bank direct deposit is easy to setup:

  • Download a direct deposit form, complete with a voided check, through the Aspiration app or website.
  • Navigate to the “Manage” menu, click Direct Deposit, enter your details, and click Create Deposit Form to see a preview of the form.
  • Click Download Deposit Form to download the form to your phone or computer.

Final thoughts

You don't have to miss out on bank bonus offers due to a direct deposit requirement. Aspiration Spend & Save Account offers the best bank bonus now without a direct deposit requirement.

Plus, with Aspiration, you can do well for yourself and do good for the world by supporting a bank that does not fund fossil fuel projects with customer deposits and donates 10% of its profits to charity.

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