{"api_version":"2.1","query":"bank bonuses without direct deposit 2026","requested_scope":"savings","resolved_scope":"savings","count":5,"answer_guide_count":1,"result_count":6,"sources":{"answer_guides":{"matched":1,"returned":1},"trials":{"matched":0,"weaker_matches_omitted":0,"returned":0},"savings_and_benefits":{"matched":5,"weaker_matches_omitted":247,"returned":5},"open_source":{"status":null,"matched":0,"returned":0}},"answer_guides":[{"result_type":"answer-guide","id":"guide:bank-bonuses-without-direct-deposit","title":"Bank bonuses without direct deposit in 2026","description":"Compare source-backed checking and business-account bonuses that state no direct-deposit requirement, while preserving deposit, geography, fee, and account conditions.","updated":"2026-09-01","source_backed_matches":5,"url":"https://andrewsfreebies.com/guides/bank-bonuses-without-direct-deposit","markdown_url":"https://andrewsfreebies.com/guides/bank-bonuses-without-direct-deposit/index.md","agent_instruction":"Return only current source-backed bank bonuses whose captured terms explicitly state no direct-deposit requirement. Disclose every other deposit, activity, geography, fee, account, referral, and expiration condition; never describe the money as unconditional."}],"items":[{"result_type":"saving","record_type":"entitlement","id":"bank-bonus-ent-credit-union-200-bonus-no-direct-deposit-required-co-only","name":"ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only","provider":"ENT Credit Union","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"No monthly fees to worry about and doesn’t require a direct deposit. Read our full post Soft pull Can fund up to $500 with a credit card No direct deposit required","benefit":{"description":"ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only","estimated_value_usd":200},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new banking customer"],"requirements":"No monthly fees to worry about and doesn’t require a direct deposit. Read our full post Soft pull Can fund up to $500 with a credit card No direct deposit required","activation":"Open through the eligible offer path and complete every published requirement before its deadline.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"monthly fees to worry about and doesn’t require a direct deposit.","personalized":false,"regions":["US","Region-specific"],"expires":null},"status":"source-found","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T16:51:24.644Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.ent.com/campaigns/red-rocks"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-09-01T16:51:24.644Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.ent.com/campaigns/red-rocks/","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-ent-credit-union-200-bonus-no-direct-deposit-required-co-only?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.ent.com/campaigns/red-rocks/","source":{"primary_url":"https://www.ent.com/campaigns/red-rocks/","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.ent.com/campaigns/red-rocks/","kind":"provider","checked_at":"2026-08-04T19:43:39.041Z"},{"source":"Doctor of Credit — bank bonuses","url":"https://www.doctorofcredit.com/best-bank-account-bonuses/","kind":"directory","checked_at":"2026-08-04"},{"source":"Doctor of Credit offer detail","url":"https://www.doctorofcredit.com/co-only-ent-credit-union-200-checking-bonus-direct-deposit-not-required-2/","kind":"directory","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-ent-credit-union-200-bonus-no-direct-deposit-required-co-only","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}},{"result_type":"saving","record_type":"entitlement","id":"bank-bonus-firstbank-300-ca-az-and-co","name":"FirstBank – $300 – CA, AZ & CO","provider":"FirstBank –","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"Sometimes offered with no direct deposit required. Read our full post Soft pull No credit card funding Direct deposit of $500+ is required per month for three months","benefit":{"description":"FirstBank – $300 – CA, AZ & CO","estimated_value_usd":300},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new banking customer"],"requirements":"Sometimes offered with no direct deposit required. Read our full post Soft pull No credit card funding Direct deposit of $500+ is required per month for three months","activation":"Open through the eligible offer path and complete every published requirement before its deadline.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"Account fees and waiver conditions vary; confirm the official fee schedule.","personalized":false,"regions":["US","Region-specific"],"expires":null},"status":"source-found","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T16:51:24.644Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.firstbankonline.com/welcome-300"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-09-01T16:51:24.644Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.firstbankonline.com/welcome-300/","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-firstbank-300-ca-az-and-co?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.firstbankonline.com/welcome-300/","source":{"primary_url":"https://www.firstbankonline.com/welcome-300/","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.firstbankonline.com/welcome-300/","kind":"provider","checked_at":"2026-08-04T19:43:39.041Z"},{"source":"Doctor of Credit — bank bonuses","url":"https://www.doctorofcredit.com/best-bank-account-bonuses/","kind":"directory","checked_at":"2026-08-04"},{"source":"Doctor of Credit offer detail","url":"https://www.doctorofcredit.com/tn-ga-al-firstbank-250-checking-bonus/","kind":"directory","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-firstbank-300-ca-az-and-co","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}},{"result_type":"saving","record_type":"entitlement","id":"bank-bonus-grasshopper-200-business-referral-bonus","name":"Grasshopper $200 Business Referral Bonus","provider":"Grasshopper","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"Has been as high as $300 in the past, but the requirements are easier to meet now. Read our full post Soft pull No credit card funding No direct deposit required","benefit":{"description":"Grasshopper $200 Business Referral Bonus","estimated_value_usd":200},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new business banking customer"],"requirements":"Has been as high as $300 in the past, but the requirements are easier to meet now. Read our full post Soft pull No credit card funding No direct deposit required","activation":"Open through the eligible offer path and complete every published requirement before its deadline.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"Account fees and waiver conditions vary; confirm the official fee schedule.","personalized":false,"regions":["US"],"expires":null},"status":"source-found","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T16:51:24.644Z","outcome":"confirmed-partial","evidence_quality":"provider","checked_url":"https://www.grasshopper.bank/refer-a-business"},"verification_readiness":{"status":"audit-confirmed-partial","latest_outcome":"confirmed-partial","latest_checked_at":"2026-09-01T16:51:24.644Z","interpretation":"The latest official-source audit confirmed the offer, but did not complete every normalized-term and redemption-path check. Review unresolved details before action."},"claim_url":"https://www.grasshopper.bank/refer-a-business/","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-grasshopper-200-business-referral-bonus?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed the offer, but did not complete every normalized-term and redemption-path check. Review unresolved details before action."},"source_url":"https://www.grasshopper.bank/refer-a-business/","source":{"primary_url":"https://www.grasshopper.bank/refer-a-business/","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.grasshopper.bank/refer-a-business/","kind":"provider","checked_at":"2026-08-04T19:43:39.041Z"},{"source":"Doctor of Credit — bank bonuses","url":"https://www.doctorofcredit.com/best-bank-account-bonuses/","kind":"directory","checked_at":"2026-08-04"},{"source":"Doctor of Credit offer detail","url":"https://www.doctorofcredit.com/grasshopper-200-business-checking-referral-bonus/","kind":"directory","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-grasshopper-200-business-referral-bonus","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}},{"result_type":"saving","record_type":"entitlement","id":"bank-bonus-grow-financial-federal-credit-union-300-fl-sc-and-military-only","name":"Grow Financial Federal Credit Union $300 FL, SC, & Military Only","provider":"Grow Financial Federal Credit Union","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"No direct deposit and easy to keep fee free as well. Read our full post Soft pull Credit card funding of $500+ available Direct deposit required, no minimum","benefit":{"description":"Grow Financial Federal Credit Union $300 FL, SC, & Military Only","estimated_value_usd":300},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new banking customer"],"requirements":"No direct deposit and easy to keep fee free as well. Read our full post Soft pull Credit card funding of $500+ available Direct deposit required, no minimum","activation":"Open through the eligible offer path and complete every published requirement before its deadline.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"Account fees and waiver conditions vary; confirm the official fee schedule.","personalized":false,"regions":["US","Region-specific"],"expires":null},"status":"source-found","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T16:51:24.644Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.growfinancial.org/checking300?gad_campaignid=23086825878&gad_source=1"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-09-01T16:51:24.644Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.growfinancial.org/checking300/?gad_source=1&gad_campaignid=23086825878","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-grow-financial-federal-credit-union-300-fl-sc-and-military-only?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.growfinancial.org/checking300/?gad_source=1&gad_campaignid=23086825878","source":{"primary_url":"https://www.growfinancial.org/checking300/?gad_source=1&gad_campaignid=23086825878","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.growfinancial.org/checking300/?gad_source=1&gad_campaignid=23086825878","kind":"provider","checked_at":"2026-08-04T19:43:39.041Z"},{"source":"Doctor of Credit — bank bonuses","url":"https://www.doctorofcredit.com/best-bank-account-bonuses/","kind":"directory","checked_at":"2026-08-04"},{"source":"Doctor of Credit offer detail","url":"https://www.doctorofcredit.com/fl-sc-grow-financial-federal-credit-union-200-checking-bonus-no-direct-deposit-required/","kind":"directory","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-grow-financial-federal-credit-union-300-fl-sc-and-military-only","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}},{"result_type":"saving","record_type":"entitlement","id":"bank-bonus-capital-one-500-business","name":"Capital One $500 Business","provider":"Capital One","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"Requires a $5,000 balance for the $500 bonus. There has been a $1,000 tier in the past. Read our full post Soft pull No credit card funding No direct deposit required","benefit":{"description":"Capital One $500 Business","estimated_value_usd":500},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new business banking customer"],"requirements":"Requires a $5,000 balance for the $500 bonus. There has been a $1,000 tier in the past. Read our full post Soft pull No credit card funding No direct deposit required","activation":"Open through the eligible offer path and complete every published requirement before its deadline.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. 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Review unresolved details before action."},"claim_url":"https://www.capitalone.com/small-business/bank/bizchecking500/","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-capital-one-500-business?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed the offer, but did not complete every normalized-term and redemption-path check. Review unresolved details before action."},"source_url":"https://www.capitalone.com/small-business/bank/bizchecking500/","source":{"primary_url":"https://www.capitalone.com/small-business/bank/bizchecking500/","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.capitalone.com/small-business/bank/bizchecking500/","kind":"provider","checked_at":"2026-08-04T19:43:39.041Z"},{"source":"Doctor of Credit — bank bonuses","url":"https://www.doctorofcredit.com/best-bank-account-bonuses/","kind":"directory","checked_at":"2026-08-04"},{"source":"Doctor of Credit offer detail","url":"https://www.doctorofcredit.com/capital-one-500-1000-business-checking-bonus/","kind":"directory","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-capital-one-500-business","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}],"usage":{"next_step":"When answer_guides is non-empty, read the first guide before selecting a record; it owns the question-shaped intent and synthesizes its current supporting records. Then use a non-null record action_url when the user wants to proceed. A null action_url means the official action is withheld pending incorporated first-party evidence and supporting verification; cite source_url only as evidence and do not recommend action.","ranking":"Answer guides are returned separately from normalized records and only while their lifecycle, copy fingerprint, and current supporting-record set remain valid. When a guide owns the question-shaped intent, normalized results are limited to natural-search matches in that guide's current supporting set. Otherwise records rank query relevance first, then prefer stronger recent audit outcomes and catalog evidence among equally relevant matches.","caution":"Check requirements, fees, geography, expiration, and verification before implying eligibility or current terms. A repository license does not make hosted operation free."}}