Deposit Triggers

What Counts as a Direct Deposit for Bank Bonuses?

Important Information

Many bank account bonuses require a "direct deposit," but not every bank defines it the same way. While employers and government payments are the standard, some banks also accept transfers from other accounts as qualifying deposits.

To increase your chances of triggering a bonus, always make push transfers (sending money from one bank into the new one). Pull transfers usually don't count.

The list below is based on data points from users showing which banks accept transfers and other non-traditional methods as direct deposits. Keep in mind, rules can change, so actual payroll or benefit deposits are always the most reliable option.

Ally Bank
  • Charles Schwab
  • Chase
  • Bank of America
  • PenFed
  • SoFi
  • Fidelity
  • TreasuryDirect
  • Wise (type "Payroll" in the payment ref field)
BMO
  • Chase Business Checking
  • Novo
  • Robinhood
  • TreasuryDirect
  • UFCU
  • Wise (type "Payroll" in the payment ref field)
Capital One 360
  • Charles Schwab
  • CIT Bank
  • E*Trade
  • Fidelity
  • Fifth Third
  • First Tennessee
  • Goldman Sachs
  • Marcus by Goldman Sachs
  • Robinhood
  • SoFi Checking & Savings
  • TD Ameritrade
  • U.S. Bank
  • Wise
  • Vanguard
  • Venmo
  • Zelle
Chase
  • Ameritrade
  • CBC Federal Credit Union
  • Circle Pay
  • CIT Bank
  • Connexus Federal Credit Union
  • Consumers Credit Union
  • Elements Financial
  • First Technology Credit Union
  • Firstrade
  • Freshbooks WePay
  • Goldman Sachs
  • Google Adsense
  • Gulf Winds Federal Credit Union
  • Gusto
  • Keesler Federal
  • M1 Finance
  • MarketForce Payroll
  • M&T Bank
  • Northern Bank
  • Orion Federal Credit Union
  • PenFed
  • Provident Credit Union
  • SoFi Invest
  • SoFi Money
  • Stanford Federal Credit Union
  • T-Mobile Money
  • Uber
  • Uber Eats
  • University Federal Credit Union
  • Wealthfront
  • Wisebanyan
Chime
  • Apple Cash
  • Axos Bank
  • Bank of America
  • Bluevine
  • Charles Schwab
  • Circle Pay
  • Novo
  • One Finance
  • PayPal
  • Santander
  • SoFi Money
  • TD Bank
  • T-Mobile Money
  • USAA
  • U.S. Bank
  • Vanguard
  • Wise
Citibank
  • ACH
  • Alliant
  • Ally
  • Capital One 360
  • Charles Schwab
  • Chase
  • Coinbase
  • Discover
  • Fidelity
  • Marcus
  • Robinhood
  • SoFi Checking & Saving
  • U.S. Bank
  • Wells Fargo
  • Venmo
  • Zelle
Current
  • Alliant Credit Union
  • Brex
  • Charles Schwab
  • Discover
  • Elements Financial
Discover
  • Amazon Seller Disbursements
  • American Express Serve
  • Bank of America Business ACH
  • Capital One 360
  • Fidelity
  • Paypal
  • TD Ameritrade
Fifth Third
  • Ally
  • American Express
  • Bank of America
  • Capital One
  • Charles Schwab
  • Chase
  • Citizens
  • Discover
  • eTrade
  • USAA
  • Capital One 360
  • Liberty Financial
  • Paypal
  • Serve
  • Wise (type "Payroll" in the payment ref field)
  • Wells Fargo
Huntington
  • Alliant
  • Ally
  • Amazon Payments
  • ACH Transfers
  • American Express Bluebird
  • American Express Serve
  • Capital One
  • Chase
  • Fidelity
  • Kraken
  • Novo
  • PNC
  • SoFi Invest
MoneyLion
  • Alliant
  • Ally
  • Capital One
  • Charles Schwab
  • Chase
  • Discover
  • Fidelity
  • First Bank
  • First Tech
  • Marcus
  • Novo
  • PenFed
  • PNC
  • Robinhood
  • SoFi
  • TD Bank
  • T-Mobile
  • US Bank
  • Wise
  • Wells Fargo
PNC
  • Alliant
  • Bank of America
  • Capital One 360
  • Chase
  • Fidelity
  • Novo
  • PayPal
  • PenFed
  • Wise
  • Venmo transfers
  • Wells Fargo
SoFi
  • Ally
  • Altra
  • Astra
  • Brex
  • eBay (managed payments)
  • Gig Payouts (DoorDash, Grubhub, Instacart, Lyft, Uber Eats)
  • Novo
  • PNC
  • Revolut
  • Treasury Direct
TD Bank
  • ACH
  • Ally
  • Alliant
  • American Express Savings
  • Bank of America
  • Barclays Savings
  • Capital One 360
  • Charles Schwab
  • E*Trade
  • Fidelity
  • Marcus
  • PNC
  • Truist (formerly Suntrust)
  • USAA
  • Vanguard
  • Wells Fargo
U.S. Bank
  • ACH
  • All America Bank
  • Alliant
  • Ally Bank
  • American Express Serve
  • Apple Cash
  • Capital One 360
  • Cash App
  • Charles Schwab
  • Chase
  • Discover
  • DCFU
  • Fidelity
  • Goldman Sachs
  • Marcus
  • Novo
  • PayPal
  • PNC
  • School's First Credit Union
  • Simple
  • SoFi Money
  • Tech Credit Union
  • Unify FCU
  • USAA
  • Wealthfront
  • Wells Fargo
  • Western Vista Federal Credit Union
Wells Fargo
  • Affinity
  • Alliant
  • Ally
  • Bank of America
  • BECU ACH
  • Brex
  • Cash app
  • Capital One 360
  • Charles Schwab Didn't work
  • Chase
  • Citibank
  • Discover
  • E-Trade
  • Fidelity
  • HSBC
  • Paypal
  • PenFed Trial Deposits
  • PNC
  • Robinhood
  • Santander
  • Schools First
  • SoFi Money
  • Vanguard
  • Venmo

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