Top banks offering bonuses without direct deposit provide attractive incentives for new customers looking to maximize their savings. These banks often require minimal criteria, such as opening a new account and maintaining a certain balance, making it easy to earn rewards. Institutions like Chase, Wells Fargo, and Bank of America frequently feature promotions that allow customers to receive cash bonuses without the need for direct deposit. This flexibility appeals to those who prefer alternative income sources or are self-employed, ensuring everyone can benefit from these enticing offers.