Bank bonuses are an easy way to make money, usually from the comfort of your home. Requirements for each bonus vary, but many of them require you to complete direct deposits. This is a list that will help you figure out what counts as direct deposit for bank account bonuses.
Direct Deposit Requirement for Bank Bonuses
Direct deposit is the electronic transfer of money from one bank account to another without the use of a paper check or cash. Direct deposits are most commonly used by businesses to pay employees and suppliers.
When a direct deposit is part of the requirements to get a new account bonus, a regular direct deposit from your employer will always work. That is also the safest choice, especially if a bank does a manual review, which is quite rare. But switching your direct deposit with your employer every time you go for a new bonus, might not be feasible. Thankfully, in most cases a simple ACH transfer from another bank account will also do the trick.
Let me know in the comments of any recent data points of what counts as direct deposit for bank bonuses you have done yourself, or if any of the listed options that no longer work.
And now let’s get into the the full list below to find out what counts as direct deposit for bank account bonuses that I often write about here on the site.
Affinity FCU
Doing a ACH transfer from the following accounts will count as a direct deposit:
Albert
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/14/22):
Ally Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 6/14/25):
- Charles Schwab
- Chase
- Wise
Ameris Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/14/24):
- Charles Schwab
American Express Checking
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 11/14/24):
- Charles Schwab
- Fidelity
- Wise
Associated Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/30/24):
- Ally
- Chase Business Checking
- PNC
Axos Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/30/24):
- Capital One
- Charles Schwab
- SoFi
- Wise (add PAYROLL to memo) ✓
Bank of America
Doing a ACH transfer from the following accounts will count as a direct deposit(last updated 2/25/25):
Bank of the West
Doing a ACH transfer from the following accounts will count as a direct deposit:
- Capital One
- Chase
- Discover
- PayPal
BB&T Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 1/20/21):
- Alliant
- Charles Schwab Brokerage
- Chase
BMO Harris
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 6/13/23):
- Ally
- Robinhood
- Schwab
- TransferWise
Capital One 360
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 08/03/23):
Cash App
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 10/26/21):
- Schwab
Chase
Doing a ACH transfer from the following accounts will count as a direct deposit:
Chime
Doing a ACH transfer from the following accounts will count as a direct deposit:
Citadel Credit Union
Doing a ACH transfer from the following accounts will count as a direct deposit(last updated 2/10/25):
Citibank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 2/25/25):
- Ally
- Capital One
- Charles Schwab
- Chase
- Discover
- Fidelity
- Truist ✓
- Wells Fargo
- Zelle
Citizens Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/7/22):
Clearview FCU
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/14/22):
- PNC
Comerica
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 11/12/20):
- Capital One
- Wells Fargo
Dollar Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 11/12/24):
- Capital One
- Chase
- Robinhood
- Wells Fargo
Fidelity
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/7/22):
- Astra app ✓
Fifth Third Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 10/3/25):
These didn’t work:
- Chase X
First Horizon
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 11/1/24):
First National Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/1/25):
- Capital One
- Charles Schwab
- Chase
First Tech Federal Credit Union
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 3/1/25):
- Ally
- Capital One
- Chase
- Wise
Flagstar Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 10/3/25):
- Unify ✓
These didn’t work:
Hancock Whitney
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/10/23):
HomeTrust Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 3/10/22):
- Chase ✓
HSBC
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 6/10/23):
- Ally
- PNC
- Wells Fargo
Huntington Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 9/10/21):
- Ally
- Chase
- PNC
Key Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 5/2/24):
- Capital One
- Chase
- Fidelity
- PayPal
- USAA
- Wells Fargo ✓
- Venmo
M&T Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 7/23/24):
- Alliant
- Serve
- Charles Schwab
- Fidelity
- Incredible Bank
- Key Bank
- Santander
Midland States Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 11/1/24):
- Capital One 360 ✓
Monifi
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 11/21/21):
- Alliant
- Ally
- Capital One
- Charles Schwab
- Robinhood
- Wells Fargo
mph.bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 10/14/22):
NASA FCU
ACH transfer from the following accounts will count as a direct deposit (last updated 5/3/24):
- Wise (add PAYROLL to memo) ✓
Old National Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/5/23):
People’s United Bank
Doing a ACH transfer from the following accounts will count as a direct deposit:
- Alliant
PNC
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/9/25):
Popular Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/28/24):
- Capital One 360
- Chase
Royal Credit Union
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 9/26/23):
- Amex Business Checking ✓
SAFE Credit Union
Doing a ACH transfer from the following accounts will count as a direct deposit:
- Discover
Santander Bank
Doing a ACH transfer from the following accounts will count as a direct deposit:
- Alliant
- Ally Bank
- Chase ✓
- Fidelity
- Wells Fargo
Service Credit Union
Doing a ACH transfer from the following accounts will count as a direct deposit:
- Alliant
- Discover
- Wise (add PAYROLL to memo)
SoFi Checking & Savings
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 10/3/25):
These didn’t work:
Spiral
Doing a ACH transfer from the following accounts will count as a direct deposit:
Stoneham Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 10/29/21):
- Capital One 360
- Wells Fargo
TBK Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 3/24/25):
- Alliant ✓
- Chase Business
Teachers FCU
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 5/31/22):
- Santander ✓
Truist Financial
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 4/9/24):
These didn’t work:
- Wells Fargo X
US Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 8/11/22):
- Alliant
- Ally ✓ ✓
- Brex ✓
- Capital One
- Charles Schwab
- Chase ✓ ✓
- Discover Savings ✓
- PayPal
- PNC
- Tech CU
- USAA ✓
- Wells Fargo
Wells Fargo
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 2/25/25):
WesBanco
An ACH transfer from the following accounts will count as a direct deposit (last updated 5/2/23):
- KeyBank
Wings FCU
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 10/25/25):
- Capital One
- Chase Business Payroll
Valley National Bank
Doing a ACH transfer from the following accounts will count as a direct deposit (last updated 8/11/24):
- Capital One
- Chase